vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect you to handle this dispute with the upmost seriousness and compliance with legal standards. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect you to handle this dispute with the upmost seriousness and compliance with legal standards. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Synovus Bank
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I hereby give your Company notice pursuant to XXXX XXXX XXXX ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USE 1692G ( 4 ) XXXX XXXX {$200.00} If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I was sent a letter and so letter was sent to my employer from this company trying to garnish my wages from a debt that is over 7 years old. This is a debt collector, in which I did not agree to them taking on said debt. I had no clue who portfolio recovery was until I googled them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Several hard inquiries were placed on my credit report without my authorization. These inquiries occurred between XX/XX/XXXX, and XX/XX/XXXX. I did not apply for any credit or give consent for these checks. I have not taken any recent action that would warrant these inquiries and am requesting an investigation to validate and remove them if found to be unauthorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I have tried correcting information on my credit report with no success. The agency has failed to provide any information regarding my disputes and do not fully investigate and does not provide method of verification for the accounts.

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 2025-01-24 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: LA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding the handling of my credit disputes by Equifax. For the past six months, I have been disputing inaccuracies on my credit report, which I believe are negatively impacting my credit profile. Despite my repeated efforts to address these issues, the credit bureaus have failed to take appropriate action. 

Instead of thoroughly investigating and resolving my disputes, I have only received stall letters that do not provide any meaningful updates or resolutions. This lack of responsiveness and transparency is frustrating and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates timely and accurate investigations of disputes. 

I request your assistance in ensuring that these credit bureaus investigate and resolve my disputes as required by law. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MI

Complaint narrative:
I had contacted Cash App many times for my refund. I had told the money have been taken out of my account and can they refund my money back they said they had customer service. They never got back with me. I feel helpless and despair. I am so furious right now that Im just now finding out that they take my information. They support on Cash app it horribly unacceptable they never helped me out. I lost a lot of money. Im just now finding out I could file this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate without previding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
No Proof of Contract : I dispute the validity of the debt, as XXXX has failed to provide any valid evidence or signed contract showing that I am legally obligated to pay the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt, including proof of the original contract, and the debt collector has not provided this information. 

Violation of FCRA Reporting Standards : Under Section 605 of the Fair Credit Reporting Act ( FCRA ), negative information may only remain on my credit report for 7 years. I believe that since no proof of contract has been provided and the debt may be discharged or forgiven, this collection should no longer be considered as valid for reporting.

Debt Forgiveness Under IRC Section 108 : The debt in question may have been forgiven, settled, or canceled under Internal Revenue Code Section 108. Under this provision, if a debt is forgiven, it may no longer be reportable. If this applies, I believe the collection entry should be removed from my credit file. 
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 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I am writing to formally dispute an item that has been reported on my credit file. The account in question relates to medical collections that were billed to me in error and should have been submitted to XXXX as insurance coverage was active during the time of service for my daughter. The account details are as follows : Collection Agency Name : XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX Date of Service : XX/XX/year> Amount Reported : {$680.00} and {$540.00} I have repeatedly contacted the collection agency to advise them of this error, providing clear information that this bill was for my daughter, who was fully covered under XXXX during the service period. Despite my efforts, the collection agency failed to address the matter appropriately or follow up to obtain the necessary information from XXXX XXXX Instead, they continue to harass me with phone calls for a balance that is not my responsibility to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was contacted about an outstanding bill. The person confused me and I gave him access to my computer to fix the problem. He said I needed to pay. I used XXXX and was frauded hundreds of dollars. The company did not exist but they conned me out of hundreds. I reported it to my bank and they said it was nothing they could do and would not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against XXXX Transunion and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX Transunion and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

The items listed below are inaccurate Account XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Opened : XXXX TransUnion XXXX XXXX XXXX Account # : N/a Date XXXX XXXX XXXX XXXXccount # XXXX Opened : 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 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

The items listed below are inaccurate Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation