vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
In XXXX of 2023 I finished my lease with a complex. I did fall behind on the rent and was working with them. When I left I talked to the manger and was told that their lawyer would contact me with payment arrangements. I called and left numerous messages and emails with the manger and never heard back. A couple of months later I received a letter in the mail from a debit collector. When I called the company which is national credit system, a gentleman told me how I can dispute the amount because the complex never took off the fees for my XXXX XXXX XXXX and was never given a walk through so I dont know what my security deposit went towards. I did everything the gentleman said to do. I provided the documents to them for the XXXX XXXX XXXX  and also all the information about how my apartment wasnt getting fixed. I waited a week before contacting the gentleman for an update, which I never heard back. I called again and asked for someone else. She told me to submit the paperwork again. When I didnt hear back from her I called again and again. The last message I left was asking if I could pay a certain amount each months because thats what I could afford. Once I was turned down for an apartment due to this being on credit report, I called national credit systems again and got the same lady, she gave me attitude and said that they will not take the fees off for my XXXX XXXX XXXX because the complex said they never got it even though I have the copy from my doctors who filled it out. She then started that I could of been making payments all this time for any amount but I was never told this from the beginning. So now Im not going to be able to find a place due to all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MI

Complaint narrative:
I got an email from Discover Bank that contained my account information. I identified it as a phishing email only by confirming that the domain name is not used by Discover Bank and does not exist as a valid domain. When I reported it to them they at first confirmed they did not send it. I uploaded it to their fraud alert department and got a response that it was a valid email. It is not valid. The fraud department at Discover is unable to recognize a phishing email. Numerous attempts via phone and secure messaging just goes in circles. My requests to escalate to a supervisor have been ignored. They refuse to assign a case number and person to this. My account information is available to the criminals that sent the phishing email and Discover Bank is doing nothing about it.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian XXXX and XXXX are illegally and unethically collecting my personal data including my name my addresses my telephone numbers my locations my credit reports DRIVERS LICENSE INFORMATION and selling that information to whomever wants it. MY CREDIT REPORT IS FROZEN AND MY INFORMATION SHOULD NOT BE USED OR SOLD TO ANY PERSON PLACE OR BUSINESS AT ANY TIME. DO NOT SELL TRANSFER OR MARKET ANY INFORMATION ABOUT ME TO ANY DATA BROKER OR ANY PERSON PLACE ENTITY COMPANY AGENCY OR ANYONE PERIOD!! DO NOT SELL TRANSFER OR ALLOW TO ACCESS MY NAME AND MY ADDRESS AND MY TELEPHONE NUMBER!! YOU ARE ENDANGERING ME AND MY FAMILY AND MY PRIVACY BY DOING SO. THE ONLY WANT THAT DATA BROKERS HAVE THIS INFORMATION ON ME IS IF THE THREE CREDIT BUREAUS SOLD IT AND ALLOWED DATA BROKERS AND COMPANIES AND INDIVIDUALS TO ACCESS MY PRIOR ADDRESSES AND PHONE NUMBERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
To whom it may concern, I have filed and attached previously Identity Theft Report and requested this account to be removed from my credit report since I do not have any knowledge or acknowledgement of this account. Below is the correspondence from XXXX XXXX XXXX XXXX XXXX at Discover and they are informing me investigation will take up 90 days. This record negatively impacting my credit worthiness and personal life. I'm being rejected an opportunity to receive loans and fair employment opportunities due to this record being on my file. 


XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Apartment XXXXXXXX XXXX XXXX XXXX RE : Discover card ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX XXXXhank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. In your correspondence, you stated you did not open the above-referenced account. Our records reflect that we have no record of a prior fraud assertion. Per your assertions that you did not open this account, an investigation was initiated on your behalf. Our investigation may take up to 90 days to complete. If we need additional information, our Fraud Investigations department will contact you. Should you have additional documentation you would like to provide to assist with the investigation, please contact our XXXX XXXX XXXX Department at ( XXXX ) XXXX. Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX a.m. to XXXX p.m., XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I paid someone for a service that I didn't receive. I contacted them for a refund and was told no and then they changed all of their info. I then contacted Cashapp to see about getting this disputed. I was told that I was not able to dispute any transactions and that I should be careful who I send money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just checked my credit report and it's loaded with inquiries I don't recognize, all because some company decided to pull my credit without my permission. This is a complete invasion of my privacy and it's messing with my life!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My information was leaked in the data breach in identity theft. I contacted companies and asked for verification letters and I asked for them to remove the reports. Under section XXXX they should have removed them. Can you please help me get these reports removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX collection account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request may result in legal action, as I have the right to pursue damages under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX collection account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
In XX/XX/year>, I submitted a written request for verification of the debt in question. To date, I have not received any response or supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

In addition to your agencys failure to validate the debt, I have been subjected to excessive and intrusive phone calls. Your representatives have called me up to ten times in a single day, often without leaving a voicemail. On the rare occasions when a voicemail is left, the message is vague and does not state the purpose of the call, further contributing to confusion and distress.

Under the FDCPA, I have the right to request verification of any alleged debt before any further collection attempts. Additionally, your repeated calls may constitute harassment under federal law. I demand that you cease excessive phone calls immediately and provide the requested debt validation without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I got no help from the representative I spoke with and they could not tell me why my card was not working with merchants that are supposed to work with AMEX e gift cards.i spoke with an Amex representative yesterday Tuesday XXXX the XXXX and got no help whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
RESIDENT VERIFY Tenant Screeners XX/XX/XXXX Experian XXXX XXXXiscellaneous Department and XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers XXXX New XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX AUTO FI Auto Dealers XXXX Used XX/XX/XXXX XXXX SENSIBLE AUT Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Auto Financing XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto XXXX XXXXXX/XX/XXXX XXXX XXXX A Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Financing XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX TransUnion XXXX XXXX Auto XXXX XX/XX/XXXX TransUnion XXXX XXXX Financing XX/XX/XXXX TransUnion XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: OR

Complaint narrative:
My score just dropped XXXX XXXX points because of an unknown collection showing on my report from XXXX that is fraudulent. The name is Firstpoint Coll Reso in the amount of {$99.00}. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: NE

Complaint narrative:
I took out student loans through MOHELA while I was iXXXX XXXX XXXX XXXX XXXX XXXX and for part of my XXXX XXXX XXXX. The student loans on my credit report were correct until recently. I knew MOHELA changed service providers as I got a notice of this on XX/XX/year>. I recently had my credit pulled for a Home Equity Loan and it is showing duplicated accounts of my student loans. After researching online, it is a known issue that many consumers ended up with duplicate records on their credit report. ( XXXX XXXX XXXXXXXX ) I am now in the process of attempting to get this corrected so I can be approved for my XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed the same accounts with this agency as it still reporting inaccurate and incomplete information. Pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand that the items listed on the attached letter is deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation