vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Complaint Against XXXX XXXX XXXX for FCRA Violations I am filing this formal complaint against I Think Financial and the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information on my credit profile. 

The accounts in question are Account Number XXXX and XXXX, which currently shows a highest balance of {$3500.00} and {$26000.00}, each one, respectively, were last updated in XX/XX/year> with a status of Discharged through XXXX XXXX XXXX and Never Late. Despite this, the account remains on my credit report, negatively impacting my ability to secure financing for a vehicle or home. 

Violations of the FCRA & Consumer Laws : Incorrect Reporting of Balance ( FCRA 1681s-2 ) These account still reflects a balance of {$3500.00} and {$26000.00} despite being discharged in XXXX XXXX XXXX. Per FCRA and bankruptcy discharge laws, a XXXX account must report a {$0.00} balance. 
Obsolete Information ( FCRA 1681c ( a ) ( 1 ) ) Negative accounts can only remain for XXXX years from the Date of First Delinquency ( DOFD ). If this account exceeds that timeframe, it must be removed immediately. 
Failure to Report Accurate & Up-to-Date Information ( FCRA 1681e ( b ), 1681s-2 ( a ) ) The last update was in XX/XX/year>, which indicates failure to properly report the bankruptcy discharge status and correct the balance to {$0.00}. 
Misleading & Unverifiable Information ( FCRA 611, 1681i ) The account status states Never Late while still negatively impacting my credit report. This is misleading and violates the accuracy requirements under the FCRA. 
If the furnisher can not provide complete and verifiable proof of the accuracy of this reporting, the account must be deleted immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX sold my debt to National Credit Adjusters , L.L.C. this company is not licensed in the state of Delaware to do business therefore can not collect on this debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On or about XX/XX/year> TransUnion llc violated the fare credit reporting act by which requires a credit reporting agency to provide a free credit score every XXXX months and to appoint a central source XXXX XXXX XXXX XXXX XXXX  ) before receiving report I was forced to watch ads in violation of the fare credit reporting act which prohibits such advertisement until after receipt of 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required XXXX day period 15 U.S.C. 1681i ( a ) ).

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a best buy cardholder member since XXXX my credit limit was {$4000.00} card ending in XXXX or XXXX ( given that they had XXXX credit card numbers on file ), On XX/XX/XXXX I called the best by card member services because I was viewing XXXX different credit cards accounts on my best buy app for over XXXX  months and it was creating confusion in regard to purchases, payments and rewards, since I never requested a second credit card account. I explained to the representative that I wanted to know the reason there was a duplicate card on my account, the representative could not give me a reason as of why I had XXXX different credit card accounts but stated that he could just close one of the credit card he then proceeded to make me payoff one of the credit cards to close the duplicate one, I submitted my payment ad then he stated that I should not see that second card anymore and I could continue using the existing card as usual. In XXXX I went to a best buy store to make a purchase and when I asked them to charge the credit card on file associated with my account, they said that I had no Creditcard from best buy in their system and was told to call Customer Service to inquire about this. I called customer service, and a representative told me that they mistakenly closed the wrong card and profile, and they were going to escalate this issue to resolve this matter and be able to restore my card and they would send me an email regarding this matter, XXXX months have gone by and I have still have no answer or resolution of how to resolve my issue, the representative told me that my only option was to re-apply for the credit card, which is unfair given that they closed my credit card my XXXX years of history was erased from my credit and my credit score was impacted since I didn't have this credit card balance or history any longer. The only thing I requested is to reinstate my {$4000.00} credit limit and return my card to work given that this was a mistake completely on the representative that helped me and did not know how to handle this issue ad just decided to close my credit products without my consent. I have been transferred around for months, and I would like this issue to be escalated and appropriate action be taken for this issue.

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: 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: IL

Complaint narrative:
Subject : Request for Method of Verification & Further Investigation Reference # XXXX To Whom It May Concern, I am writing in response to your recent investigation regarding the bankruptcy entry on my Equifax credit report under reference number XXXX. Your response states that the bankruptcy was verified as accurate, but I am formally requesting additional information regarding the method of verification used in this process. 



Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request the following : XXXX. The name and contact information of the entity that verified this bankruptcy. 

XXXX. A detailed explanation of the investigation process, including how and from whom this information was obtained. 

XXXX. Copies of any supporting documentation used to verify this bankruptcy. 



If you can not provide this information or if the verification process was not conducted in full compliance with the FCRA, I demand that this inaccurate bankruptcy entry be immediately removed from my credit report. 



Additionally, if this bankruptcy information was verified through the court system, I would like to point out that courts do not report bankruptcies to credit bureaus. If the verification was obtained through a third-party source, I request proof that the source is reliable and complies with FCRA accuracy standards. 



Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals office. I am prepared to take further action, including legal remedies, to ensure my credit report is accurate. 



Please provide a written response with the requested information within XXXX days, or immediately remove this incorrect bankruptcy entry. 



Sincerely, XXXX XXXX

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: CA

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 theses violations.

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: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: 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: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
They screwed up my XXXX XXXX account and my XXXX XXXX Account. I can't use the transfer options because of them.

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: NC

Complaint narrative:
In accordance with the Fair reporting credit act XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : XXXX 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 explanation
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: American First Finance, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX XXXX I received an email from XXXX XXXX an employee of XXXX XXXX XXXX XXXX, a debt cancellation agency, regarding a debt that is over XXXX XXXX XXXX from American First Finance. I had never heard of XXXX XXXX XXXX XXXX nor received any notification that they were attempting to collect on this debt until I got the email. The email also mentioned that I was sent a notice allowing me to validate or dispute the debt. However, I never received such a letter or any form of communication. Additionally, this debt is over 6 years old, and according to XXXX law in Arizona, they can not continue to collect or sue me due to the age of the debt and the absence of a written contract with the mentioned debt collection agency. I have attached the email that was sent.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due ta my information being exposed, | have submitted a FTC complaint reporting the information i am not familiar with. 
Please find attached a copy or My ID. The FTC complaint, a copy or the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter

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: NY

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX 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: Written notification about debt — Didn't receive notice of right to dispute
Company: Marlette Funding, LLC
State: CO

Complaint narrative:
Never got any calls, emails, or mail saying I owed any debt. Was apparently sent to a debt collector and now Im being sued and had to get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX, Experience and XXXX and filed disputes with no response.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX 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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

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: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I was paid for a service that I had provided. I was told the first half would be paid up front and the rest when the job was completed totaling {$14000.00}. I received the first half ( {$7200.00} ) and started paying people that helped me. When the second half was supposed to have came, Zelle canceled my account and withdrew the rest of the amount from my savings account. The people who helped me still havent been paid. They say it was fraud, but I didnt do anything wrong. I feel as if Zelle knows as well because they have given me my account back.

Company response to consumer: Closed with explanation