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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting and unlawful balance of {$2300.00} on the above-referenced account, which has already been charged off and fully paid. Capital Ones actions of reporting this balance and late payments, despite the account being settled, violate multiple federal laws, and I demand immediate removal of this account from my credit report.

Per federal law : 1. Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) : Furnishers of credit information are required to report accurate information. Reporting this account as unpaid or showing a balance is a direct violation of this requirement.

2. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 807 : It is unlawful to misrepresent the amount, character, or legal status of a debt. Reporting or attempting to collect on a debt that is no longer owed constitutes a clear breach of this statute.

3. Under the FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or unverifiable information, and you are required to conduct a thorough investigation. Failure to validate the current balance or provide documentation proving its accuracy requires immediate deletion of this information. 

This account is no longer legally enforceable. Continuing to report it with a balance or late payments, or implying I still owe money, is not only unethical but also illegal. 

I demand the following actions immediately : Removal of the {$2300.00} balance and all associated late payments from my account history. 
Complete deletion of this charged-off account from my credit report. 

Should XXXX XXXX fail to resolve this matter within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and pursue legal action for your violations of the FDCPA and FCRA. 

Please confirm in writing within 30 days that this matter has been resolved and that the account has been deleted from my credit report. I have included supporting documentation, including proof of payment, for your review. 

Failure to comply with federal law in this matter will leave me no choice but to escalate this issue further.

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: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting and unlawful balance of {$2300.00} on the above-referenced account, which has already been charged off and fully paid. Capital Ones actions of reporting this balance and late payments, despite the account being settled, violate multiple federal laws, and I demand immediate removal of this account from my credit report. 

Per federal law : 1. Under the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) : Furnishers of credit information are required to report accurate information. Reporting this account as unpaid or showing a balance is a direct violation of this requirement. 
2. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 807 : It is unlawful to misrepresent the amount, character, or legal status of a debt. Reporting or attempting to collect on a debt that is no longer owed constitutes a clear breach of this statute. 
3. Under the FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or unverifiable information, and you are required to conduct a thorough investigation. Failure to validate the current balance or provide documentation proving its accuracy requires immediate deletion of this information. 

This account is no longer legally enforceable. Continuing to report it with a balance or late payments, or implying I still owe money, is not only unethical but also illegal. 

I demand the following actions immediately : Removal of the {$2300.00} balance and all associated late payments from my account history. 
Complete deletion of this charged-off account from my credit report. 

Should Capital One fail to resolve this matter within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and pursue legal action for your violations of the FDCPA and FCRA. 

Please confirm in writing within 30 days that this matter has been resolved and that the account has been deleted from my credit report. I have included supporting documentation, including proof of payment, for your review. 

Failure to comply with federal law in this matter will leave me no choice but to escalate this issue further.

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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
The original Creditor EXETER FINANCE was sued and forced to pay Consumers for Bad Business Practices such as XXXX is trying to do here. This Entity is trying to collect on a debt that has been paid in Bankruptcy and a Civil Class Action Lawsuit filed on the ENTITY they brought the loan from Really this is how VETERANS WHO FOUGHT FOR THIS COUNTRY IS TREATED WITH THIS DISRESPECT!!!!!!!!! WOW. 

My name is spelled XXXX XXXX XXXX. 

You have transformed my name into a CORPORATIONAL NAME for your benefit. This is an absolute disgrace to the United States Citizens or shall I say Employees, whom you constantly tax for your XXXX  XXXX extroverted outburst in the public view such as TV and MEDIA outlets. let 's be real the only crook here is you!!! 

Removal of all charge offs/collections accounts all Hard inquiries anything not related to positive accounts and all late payments, and all negative reporting of closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! 

Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordantly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 

UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

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: 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX, my Santander credit card was compromised and there were unauthorized charges made on the account On XX/XX/XXXX, I noticed that my balance on my checking account was much lower than I had recorded. I reviewed my recent transactions online, and saw there were two checks totaling {$10000.00} that I did not issue that were processed on XX/XX/XXXX and XX/XX/XXXX. Considering I have never ordered checks for this account, how could checks have even been approved for payment? I IMMEDIATELY contacted your branch and the account, The branch associate froze the account that was compromised and opened a new checking account on XX/XX/year>. 

Subsequently, I received correspondence from Santander dated XX/XX/XXXX, that the address on my account had been changed, which I did not initiate, nor have I moved. 

Their Centralized Claims division investigated the issue and found that a person in Indiana had obtained my account number and then produced fake copies of checks with your bank 's routing information on them, and subsequently cashed them at an ATM in Minnesota. 

The investigation also discovered that a check on XX/XX/XXXX and one on XX/XX/XXXX for {$1000.00} each had been cashed.. 

Today, I received notifications that the two checks in XXXX are not going to be covered by Santander because I did not notify the bank of the XX/XX/XXXX check until XX/XX/XXXX. I also received another notification that {$1000.00} for the check written in XXXX had been credited back to my account. I COMPLETELY do not understand how you can credit the one in XXXX and not credit the ones in XXXX, based on that criteria??? Additionally, I filed the claim based on the checks written in XXXX ; at the time I was not aware of the checks that had been written in XXXX or 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 2025-01-22 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: AR

Complaint narrative:
I am requesting the removal of 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 from my credit report as my personal information was compromised in a data breach, resulting in fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, credit reporting agencies are required to block and remove information resulting from identity theft or unauthorized use of my information. I have the right to block and remove inaccurate or fraudulent information caused by identity theft or unauthorized use of my personal information. The information in question is fraudulent, and I am requesting that it be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
there is a charge on my credit report for XXXX from XXXX  XXXX XXXX i tried to file a dispute due ti identity theft but its still on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have 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 2025-01-22 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: FL

Complaint narrative:
I have a XXXX  account I disputed several accounts that it says I owe I asked for original contracts that I signed for the debt, They were then removed from XXXX report and XXXX report but they were never updated on XXXX. I noticed a few have been added back to the XXXX report with different dates and on the XXXX report they have all been added back with this years date on them. the finding says my address was verified. I never received what the documents to show I owe these companies this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CADENCE BANK
State: MS

Complaint narrative:
I did an internal transfer from my checking to my savings account on XX/XX/year>. The money debited my account but never credited to my savings account. Poof thin air. I have tried for nearly a week to fix and keep being told it will be there the next business day and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Original balance was from identity theft. I provided documents to Original collector XXXX XXXX  and showed them police report numbers and gave them contact information for other individuals effected by the scammer. It was removed off my credit report as I proved the debt was not mine. It was then sold to a new collector who has added it back to my credit report. Refuses to send me information regarding transactions. Will no allow me to send them the same proof as the original collector. Has been rude, calls me all hours of day and night after I have asked them for all communications in writing.

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: 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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( 2005-414, s. 1. ) Trans Union is Conducting Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law.

Additionally, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXX : # XXXX : Balance : {$1800.00} ; Opened Date : XX/XX/XXXX XXXX XXXX XXXX ; # XXXX  : Balance : {$750.00} : Opened Date :?? 
Inquiries : XXXX  : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual you contacted for verification purposes. The fraudulent information has impacted my credit report, causing considerable psychological stress.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation