vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX, notified me of a past due balance on my account, due to a financial aid error. ( I completed the financial aid package for the incorrect year ) they agreed to allow funding of the following financial aid award to be used to cover the past due balance. I had to unenroll in the present classes I was taking because XXXX did not disclose that I would be required to participate in a proctored class that would require me to travel on campus. All of the details were not made available upfront, XXXX represented the agreement in a deceptive manner. Also, the disputed amount differs from the original amount owed. When I attempt to speak with them about the matter, I am disregarded and referred to collections. Collections, has not provided true debt verification in this matter. The last email between myself and the university is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXXXX Respond with the XXXX balance owed. Itemizing any collected payments or additional fees. Release, my transcript in alignment with the current law, As of XX/XX/year>, the U.S. Department of Education ( ED ) has new regulations that limit the ability of colleges to withhold transcripts from students who received federal financial aid : Colleges can not withhold transcripts if a student has paid all institutional charges and their credits were paid for with Title XXXX aid Colleges can not withhold transcripts if the student is at an institution that is at risk of closure or is deemed not financially responsible Colleges can not withhold transcripts if the student 's account debt is due to an error made by the institution in administering Title IV funds Colleges can not withhold transcripts if the student 's account debt is due to fraud or misconduct by the institution or its employees Some states, including California, New York, and Ohio, had already banned transcript withholding in some cases before the federal rule change. Research has shown that transcript withholding disproportionately affects low-income students and students of XXXX. 

I will allow for XXXX hours before taking further Action against lack of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/year> i mailed a letter stating that these agency are in violation of code 15 usc 1681 - permissible purpose 15 usc 1681 i- procedure in case of dispute accuracy I did not give these companies written instructions to furnish these late payment on my consumer report.

Subject to section 1681 S-3 of this title states ( i ) reports containing information solely as to transaction or experience between the consumer an the company making the report. 

Its been over 45 days an still have not got a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year> i mailed a letter stating that these agency are in violation of code 15 usc 1681 - permissible purpose 15 usc 1681 i- procedure in case of dispute accuracy I did not give these companies written instructions to furnish these late payment on my consumer report.

Subject to section 1681 S-3 of this title states ( i ) reports containing information solely as to transaction or experience between the consumer an the company making the report. 

Its been over 45 days an still have not got a response back.

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 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
I am writing to follow up on a dispute I submitted regarding the collection account reported by Genesis Credit Management LLC, with an amount of {$42000.00} related to an eviction that occurred about a year ago. I disputed this account because I did not cause or participate in the eviction.

Over the past year, I have called Genesis Credit Management LLC multiple times, but despite my efforts, no action has been taken to resolve this matter, and I have not received any communication regarding the results of the dispute. I request that you provide me with an update on the status of the investigation and a corrected copy of my credit report once the investigation is complete. If the information is found to be inaccurate or unverifiable, I request that this collection account be removed from my credit report with XXXX, XXXX, and XXXX. 

Please let me know the status of the dispute as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Transunion regarding their failure to validate disputed information on my credit report and their refusal to provide the method of validation as required by the Fair Credit Reporting Act ( FCRA ). 

I submitted a dispute to Transunion regarding inaccurate information on my credit report. In accordance with FCRA, I requested that they validate the accuracy of the reported account ( s ) or remove the erroneous information. However, Transunion failed to provide me with adequate validation or documentation proving the accuracy of the disputed items. Additionally, when I requested the method of validation, Transunion did not respond with the required information explaining how they verified the disputed data. 

This lack of transparency and failure to comply with federal laws is unfair and negatively impacts my creditworthiness. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation and provide consumers with a clear explanation of how disputed information was verified. Transunions failure to do so is a violation of my consumer rights. 

I request that the CFPB investigate Transunions practices regarding the handling of credit disputes and ensure that they comply with federal regulations. Additionally, I ask for the removal of any unverifiable or inaccurate information from my credit report. 
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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Date Opened : XX/XX/year> Balance : {$880.00} Certain information has been obtained or furnished by your agency without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDITXXXX 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 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX XXXX XXXX Date : XXXX2024 To : Consumer Financial Protection Bureau Subject : Complaint Against Bullcity Financial Solutions for Violations of Federal Regulations Dear CFPB, I am writing to formally file a complaint against Bullcity Financial Solutions for violating my rights under federal law, including the Fair Debt Collection Practice Act and the Fair Credit Reporting Act ( FCRA ).

Bullcity Financial Solutions has placed a collection account on my consumer credit report without providing the legally required validation information under 12 CFR 1006.34 ( b ) ( 5 ). I have not been given the opportunity to dispute the alleged debt, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

This collection agency is engaging in false, misleadin, and deceptive practices, which constitute violations of my consumer rights. Specificaly Bullcity Financial is in breach of : 12 CFR 1006.34 ( d ) for failing to provide disclosures required by law.

15 USC 1681s-2 ( 7 ) ( A ) for furnishing information to consumer reporting agencies without proper authority.

Furthermore, Bullcity Financial Solutions accessed my credit report without my permission or any permissible purpose, in violation of the FCRA. This unauthorized action exacerbates their noncompliance and harms my credit profile.

I am disputing any and all debts allegedly owed to Bullcity Financial and formally revoking their rights to communicate with me through email, calls, or text messages.

In accordance with federal law, I am requesting the following from Bullcity Financial Solutions : 1. Debt Validation : Provide complete validation of the alleged debt, including documentation of the original creditor 's account details and evidence of the debt 's legitimacy.

2. Purchase Agreement : Furnish a copy of the purchase agreement or assignment of the alleged debt between them and the original creditor.

3. Licensing and Bonding : Submit proof that Bullcity Financial Solutions is licensed and bonded to conduct collections activities in my state of North Carolina.

These actions by Bullcity Financial Solutions hav caused undue stresses and adversely impacted my credit standing. I urge the CFPB to investigate these violations promptly and take appropriate enforcement action to ensure compliance with federal regulations.

Thank you for your time and attention to this matter. Please do not hesitate to contact me if additional information is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have never done business with midland credit, don't know who they are. The credit bureau denied my appeal. How can you put something on my credit when I never did business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: World Acceptance Corporation
State: TX

Complaint narrative:
According to the documents that were left at a house I no longer live at, the filed a small claims on XX/XX/XXXX with no knowledge to me or any actual communication with me, then the documents that were left behind were not signed by a peace officer, they are blank and then the main sheet shows that it was signed on XX/XX/XXXX but nothing was again communicated to me. 

I have already checked my credit report and this debt was being disputed way before XX/XX/XXXX and still shows as disputed on my report. 

As of this complaint, not one person has made contact with me about this and this debt is still be disputed due to no information proving it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
On XX/XX/year> i mailed a letter stating that these agency are in violation of code 15 usc 1681 - permissible purpose 15 usc 1681 i- procedure in case of dispute accuracy I did not give these companies written instructions to furnish these late payment on my consumer report.

Subject to section 1681 S-3 of this title states ( i ) reports containing information solely as to transaction or experience between the consumer an the company making the report. 

Its been over 45 days an still have not got a response back.

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 2025-02-08 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: DE

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Experian regarding an inaccurate account reported by XXXX XXXX XXXX  ( Account Number : XXXX ). Despite my request for verification, Experian has failed to provide any documentation proving the legitimacy of this debt and has refused to remove it from my credit report. 

I have attempted to dispute this multiple times, yet Experian has neither provided proof that this account belongs to me nor explained why the inaccurate information remains on my credit report. Instead, I received a notice stating that the incorrect account " will remain '' without any supporting evidence. 

This error has severely damaged my credit, preventing me from securing housing, obtaining a vehicle, and accessing essential financial opportunities. Furthermore, I have made several attempts to contact Experian by phone, but I have been unable to reach a representative or receive any meaningful response. 

Experians Violations Under the Fair Credit Reporting Act ( FCRA ) : Experian is legally required to : Conduct a reasonable investigation within 30 days of my dispute. 
Provide verification and documentation proving the accuracy of the disputed information. 
Remove any unverified or incorrect information from my credit report. 
By failing to comply with these requirements, Experian is violating the FCRA ( 15 U.S.C. 1681 ).

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I noticed on my credit report about a loan through one main or card that I was late. I never signed up for them. I believe it was the roommate I kicked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
Experian 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my expense, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My paypal account was closed over 2 years ago and I was told I would have access to my funds in 180 days. When that time was up I was told I wasn't able to withdraw my funds. Over {$600.00} and my balance was cleared to zero

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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'm a victim of a sham investigation from Experian credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not 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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees that Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
with regards to previous complaint bank of America lied and deceived me just so they could closes out the complaints they sent me a bogus cashiers check that got my sisters bank account closed they sent me bogus research complete letters one says XXXX XXXX XXXX the second which is who i am the other just says XXXX XXXX when i opened my checking and savings account in XXXX she statments said the second when i recieved the wire from investment then sellinng cars and selling house that put my account way over XXXX they did something and took the second off my accouns ending in XXXX and XXXX then in XXXX this third account pops up while i was in hospital and it has the second on the name but i didnt open it they toook XXXX out of my accounty and put into it transfered XXXX to related account is all it says on statement they let enormuse ammount of money go out didnt flag or? one transaction but lock card on me over XXXX dollars they set there and did this so called investogation send me a cashiers check and letters stating they found fraud and i cash the check now chase is closing account and wont release funds called bank of america and like always they no nothing just says funds deposited into account wasnt mine when it comes toBasnkl of america accounts and yes they where my fund they came from selling my house and cars and my invetmnent account you guys let someone take them thought youy where trying to make right but then do this the disrepinces in the paper work they sent show they where up to something hiding something and i will find out what cause i know for facrt they attached my accounts to someone elses name that why they startied putting just XXXX XXXX XXXX instead of XXXX XXXX XXXX im left with no choice but to obtain legal counsel

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 ) alongside a recent scam that took place in my account. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I lost over {$1500.00} due to a scam. 
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. I have lost over {$1500.00} due to a scamming on the Platform and ( Block , Inc ) WOULD NOT reimburse the money after the account was reported as a scam account multiple times. The company reimbursed {$250.00} and wouldnt send the rest. I lost a total of {$1500.00} and all they would reimburse is {$250.00}. The scam claimed to be government officials and the money was supposedly going to a bail bondsman agent. I was promised my money back.

Company response to consumer: Closed with explanation