vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Experian XXXX XXXX for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and protect my rights as a consumer. I have been subjected to an ongoing financial and emotional burden due to erroneous items on my credit report, as well as XXXX failure to properly investigate my disputes and address the consequences of a data breach involving my sensitive information. 

Here is a list of the accounts affected on both platforms. 

XXXX XXXX XXXX acct # XXXX - {$570.00} XXXX XXXX acct # XXXX - {$720.00} XXXXXXXX XXXX XXXXXXXX XXXX # XXXX - {$540.00} XXXX XXXXXXXX XXXX XXXX acct # XXXX - {$1100.00} XXXX XXXX XXXXXXXX acct XXXX XXXX - {$450.00} XXXX  acct # XXXX XXXX XXXX- {$1000.00} XXXX acct # XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX # XXXX - {$3800.00} XXXX XXXX  XXXX XXXX acct - # XXXX XXXX {$150.00} XXXX XXXX  acct # XXXX - {$910.00} XXXX XXXX XXXX actions violate multiple provisions of the FCRA and other federal laws, including : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years ( excluding convictions ). Experian XXXX XXXX has reported adverse items without my authorization, which is a violation of this law.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : States that a person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Experian & XXXX has has reason to believe this information was inaccurate however never properly deleted the information. Which is in direct violation.

15 U.S.C. 1681e : Requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with 1681c and limit the furnishing of consumer reports to permissible purposes under 1681b. Experian XXXX XXXX has failed to maintain these reasonable procedures. 
12 CFR 1016.7 : Grants consumers the right to opt out of certain disclosures at any time. I have previously sent in a request and never received confirmation. I am formally opting out of Experians & XXXX  reporting services yet again. 

I made them aware that if these issues are not addressed promptly and thoroughly, I will have no choice but to escalate this matter by filing a formal complaint with you the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action. 

I trust you will take this matter seriously and resolve these issues in accordance with federal laws.

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 2025-01-22 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:
No monies were ever returned nothing was resolved. With block, inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Purchased furniture from XXXX XXXX XXXX store at XXXX XXXX XXXX XXXX Maryland on XX/XX/XXXX. We set up delivery for XX/XX/XXXX when delivery came only bunkie boards and XXXX king sized mattress was delivered, so delivery was refused. That morning we took our old bed down and gave it away. we expected a bed with delivery. We had to wait until delivery was back at the store and that night XX/XX/XXXX we canceled the entire order {$4000.00}. XXXX XXXX XXXX XXXX did not officially cancel order until XX/XX/XXXX. Even after cancelling Synchrony Bank refuses to refund the money. The refund transaction number is 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 monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 theu 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 2025-01-22 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: CA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-22 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: CA

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 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OH

Complaint narrative:
I am writing to address a discrepancy in the status of my student loans as reported by the credit bureaus. My loans have been enrolled in the XXXX XXXX ( XXXX ) plan for the past XXXX years, following a period of forbearance. I reapply for the XXXX plan annually and have consistently been approved. 

However, since Mohela ( MOHELAXXXX ) assumed servicing responsibilities from XXXX, there appears to have been an error with the reporting of my loan status. The credit bureaus show that I was not current on my loans and that I was " late '' in XX/XX/2024, despite the fact that I have never missed a payment. Under the XXXX plan, my monthly payment has consistently been set to {$0.00}, and I have not been required to make any payments. 

I contacted Mohela and was advised to submit a formal complaint regarding this issue. I would appreciate your assistance in investigating this matter and correcting any inaccuracies in my loan status and credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

I have attached my most recent IDR document from the new service company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital, XXXX Subject : Cease and Desist Notice Dear [ Collector 's Name ], I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your previous correspondence. This letter serves as a notice under the Fair Debt Collection Practices Act ( FDCPA ) and any applicable state laws. 

I do not acknowledge the validity of the debt you claim I owe, and I request that you provide me with written verification of this debt, including the original creditor 's name and the amount owed. Until you provide this information, I ask that you refrain from contacting me further. 

Please be advised that any further attempts to collect this debt, including phone calls, letters, or other forms of communication, will be considered harassment and may result in legal action against your agency. 

Thank you for your attention to this matter. I expect your compliance with this request. 

Sincerely, [ ( XXXX XXXX ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I initiated disputes with Experian regarding inaccurate information on my credit report. Specifically, I discovered that another individuals Social Security Number ( SSN ) was erroneously attached to my account. I followed the proper procedures by filing disputes to correct this issue. However, Experian has failed to properly investigate my disputes and has marked all of my disputes as verified without providing me with the necessary documentation to confirm the accuracy of the information. 

I requested detailed verification documents for each dispute on [ insert date ], but Experian has refused to provide any of the requested information. As a result, I am unable to verify the accuracy of the information reported on my credit report. 

I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that Experian complies with the law.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This company is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), as this company continues to report a debt on my credit reports that does not belong to me. I requested a purchase agreement from this company to verify this debt belongs to me and the company responded with written communication, advising me they would not be providing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Around XXXX XXXX XXXX I was a victim of identity theft causing my bank account to get shut down. Ive contacted BoA via phone asking to speak to the fraud department and I was only told that the claim would remain as a negative impact on my credit. Being that the report remains on my credit Im unable to make a bank account at ANY bank. Recently Ive done a credit check and it states that theres been a charge off to the account and was wondering if I would be able to get that remove for my credit beings that the debt was collected, I shouldnt be penalized for such.

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 monetary relief
Consumer complaint received 2025-01-22 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 proce 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 2025-01-22 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: CA

Complaint narrative:
due to the inaccurate information on my report I'm not able to get housing a car are money for school and all my accounts have been closed ples update my credit report and send me my free report and send a copy to all My banks

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.

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 2025-01-22 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing this account for the following reasons : 1. Accuracy of the Reporting : The account is listed as a collection account with a balance of {$1100.00} past due as of XX/XX/year>. However, I do not have sufficient documentation supporting this amount or its validity. 
2. Fair Credit Reporting Act ( FCRA ) Violations : The reporting does not reflect complete and accurate information as required under Section 609 and 611 of the FCRA. Specifically : The date of first delinquency is unclear.

It is not evident that this account has been verified in accordance with the law. 
3. Consumer Dispute Notice : While the report indicates that this account is " disputed by consumer, '' XXXX has yet to provide me with evidence of proper investigation or validation of this debt. 
4. Removal Timeline : The estimated removal date is listed as XX/XX/year>. However, it is unclear how this timeline was determined, and it may not comply with applicable regulations regarding credit reporting timeframes. 
As required by the FCRA, I am requesting that you conduct a full investigation into this matter and verify the accuracy and completeness of this account. If LVNV Funding LLC can not provide verifiable proof of the debt, I respectfully request that the account be deleted from my credit file immediately. 
Please respond to this dispute in writing within the timeframe mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I keep getting calls from the United Collection Bureau, saying that they are calling to collect a debt that they do not specify, which I do not owe anyone a debt, and I keep getting repeated calls. I also get calls from XXXX who says they are collecting a debt from me for a hospital near me, which is impossible because I have never been to that hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
In XX/XX/year>, I boarded a cruise to XXXX. While visiting different ports I purchased jewelry. The jewelry came with appraised value. I came home from the cruise and had the jewelry appraised. The appraised value was approximately {$.00} on the dollar of my purchase. When I wrote the company, they did not respond to me. I engaged an attorney and was told that the company would only recognize a particular firm/individual to perform appraisals of their jewelry. We found the appraiser and forwarded the results and request " return '' slips to return the junk. They refused and added my account to the credit reporting agency ( s ) as non-collectible debt. I disputed the debt with XXXX, XXXX and XXXX. My letter included the appraisals, emails, letters from attorney, etc. 
XXXX agreed with the company after a 10-day review. XXXX did not respond nor did XXXX XXXX I disputed the results of their investigation because there was no time for them to wade through all the documents and not clearly understand that ( 1 ) a Ph.D. Gemololgist and Professor at our local college did the appraisal as they requested ( 2 ) I attempted twice and was given exactly the same 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 non-monetary relief
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
as per the guidance from the consumer Financial needed and a letter from an advovacy group helping me due to human trafficing debt bondage, which falls under trafficking-debt final RulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I kindly request that u block this information from my credit report within 4 business days, pursauant to section XXXX of the fair creditreporting Act. I am a victim of human trafficking of debt bondage and would like for all listing accounts deleted 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 non-monetary relief