vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Upon checking my credit report this afternoon I found the following fraud account for {$4000.00}. I have never conducted business with Ability Recovery Services, nor have I incurred any financial obligation related to the institution listed in this matter. 

The school referenced in the debt is fraudulent, unaccredited, and has been identified as a scam. I have no connection to this institution and have never authorized any financial transactions or agreements with it. 

Furthermore, I previously requested that your company submit a fraud package to address this issue and investigate this matter thoroughly. However, you failed to fulfill this request, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection 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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I am filing this complaint against Rausch Sturm LLP for violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Texas Finance Code Chapter 392, regarding their handling of an alleged debt. Their conduct has been deceptive, misleading, and in direct violation of consumer protection laws. Rausch Sturm LLP initiated legal proceedings against me in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a debt validation letter as required by 15 U.S.C. 1692g. After I filed a General Denial in response to their claims, they subsequently sent me a so-called dispute verification letter on XX/XX/scrub>XXXX XXXX  which was undated, raising concerns about their compliance with federal and state debt validation requirements. Their failure to provide this documentation before filing suit is a clear violation of the FDCPA and Texas Finance Code 392.202. According to Texas Finance Code 392.202 ( b ), debt collectors must cease all collection activities, including litigation, until they validate the debt upon dispute. Despite acknowledging the dispute, Rausch Sturm LLP continued litigation without verifying the debt before proceeding in court. This continued legal action violates federal and state consumer protection laws and is a clear abuse of process. Additionally, Rausch Sturm LLPs process server falsely claimed to have personally served me with legal documents in my case, when in fact, they left the documents on my car parked on a public street. This action did not satisfy proper service requirements under Texas Rule of Civil Procedure 501.2, yet Rausch Sturm LLP proceeded with litigation. The use of false or misleading representations in connection with debt collection is a violation of 15 U.S.C. 1692e. Furthermore, Rausch Sturm LLP did not comply with attorney substitution requirements under Texas Rules of Civil Procedure 8 and 10, failing to notify me properly of changes in legal representation. Their failure to follow procedural rules deprived me of due process, violating my consumer rights under both state and federal law. Due to these actions, I have also filed a grievance with the Texas State Bar against Rausch Sturm LLP and their attorneys for violations of professional conduct and unethical debt collection practices. Their ongoing misconduct demonstrates a pattern of deceptive, unfair, and abusive practices that warrant immediate investigation and enforcement action by the Consumer Financial Protection Bureau. I request the CFPB to take appropriate action against Rausch Sturm LLP to prevent further violations of consumer protection 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding their improper debt collection practices and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claiming that I owe a debt to XXXX in the amount of {$450.00}. However, I have never received any official communication or letter directly from this collection agency, and the information presented in the document contains false and unverifiable details. Specifically : Incorrect Address : The document lists an address ( [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ] ) that does not belong to me. 

Incorrect Account Information : Upon contacting XXXX, I was informed that the phone number attached to this alleged account is XXXX, while the document provided by the collection agency lists XXXX. This discrepancy demonstrates that the account information referenced is not accurate or associated with my XXXX account. 

Failure to Validate the Debt : Upon contacting XXXX directly, I was informed that they could not validate or confirm the debt presented by the collection agency. 
These discrepancies indicate potential violations of federal laws, as outlined below : Failure to Validate Debt Properly ( 15 U.S. Code 1692g ) : Debt collectors are required to provide accurate and sufficient validation of a debt upon request. The collection agency failed to contact me directly, and the information in their communication is false and unverifiable.

Misrepresentation ( 15 U.S. Code 1692e ) : The FDCPA prohibits debt collectors from using false or deceptive means to collect a debt. Providing incorrect information about the address and account details constitutes a clear violation of this provision.

Inaccurate Information Furnished to Credit Reporting Agencies ( 15 U.S. Code 1681s-2 ) : If this debt has been reported to credit bureaus, it violates federal law, as furnishers are prohibited from reporting inaccurate or unverifiable information.

This collection agency is engaging in unfair and misleading practices, and their actions are causing unwarranted stress and confusion. I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for their violations of federal 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased couches from XXXX on XX/XX/XXXX - shows up as XX/XX/XXXX on my bank statement and I ended up returning them for being defective. XXXX picked up the couches on XX/XX/XXXX they issues a refund to my debit card which was an old card that was closed ( XXXX ending in XXXX ). Called chase and XXXX numerous times with no help.. went to Chase branch and they have no history of my account from XXXX. XXXX sent me proof of them issuing the refund but I think chase is the issue basically holding my money.. refund amount is {$2500.00} which was sent from XXXX on XX/XX/XXXX. Still havent received the refund and XXXX nor Chase will help. 
Attached document is the refund from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
Sofi restricted my account for no valid reason and now they are holding my funds that I need to buy food and diapers  for my children I've called like XXXX times they are still refusing how can they hold my funds I've worked hard for it isn't right I'm a XXXX mother of XXXX I need access to my funds immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
My credit is an essential part of my financial stability, and I am deeply troubled by the inaccurate information appearing on my credit report. These errors are more than just numbersthey have a real impact on my life, creating constant stress and frustration, especially when I face repeated denials for credit applications that should have been approved. Its disheartening to know that my creditworthiness is being misrepresented due to mistakes that are beyond my control. I am reaching out to you with the sincere hope that this matter will be taken seriously.

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:
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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian '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 2025-01-21 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: EGL US, LLC
State: FL

Complaint narrative:
Dispute was emailed back with no change or any information to verify account original information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dispute was emailed back with no change or any information to verify account original information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed too 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 2025-01-21 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: FL

Complaint narrative:
This complaint requires your immediate attention, as it has not been submitted in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This is a deeply concerning issue that has caused me significant stress and anxiety.

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 2025-01-21 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: SC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears to be consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates
State: MS

Complaint narrative:
I signed up with XXXX XXXXXX/XX/XXXX in XXXX and also their internet service. Contract was signed around XXXX of XXXX and in XXXX of XXXX I walked away as they breached the contract. In the agreement there was supposed to be unlimited data usage but they bandwidth limited me which is a breach of the unlimited usage and they claimed I would have to fall under a certain amount for a month to get full bandwidth back. I told them this was a breach and if full usage was not restored then the contract violated would no longer be honored on my side. They wanted me to return the equipment within 14 days and I told them to cover all packaging and shipping cost for the return and I would be willing to return their equipment. They sent a shipping label but would not cover any packing so I told them no. They have emailed me repeatedly threatening to take me to court and harm my credit and even turned it over to an attorney who says I am ignorant among other things. They do not wish to abide by anything laid out in the Fair Credit Reporting Act and want to try to be abusive and lie to win.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: UT

Complaint narrative:
To Whom It May Concern, I am writing to formally request the CFPB 's assistance in addressing an issue with XXXX regarding incorrect reporting of late payments on my account for XXXX XXXX BA. 

The account in question has been inaccurately reported as having late payments for XX/XX/XXXX and XX/XX/XXXX. I have made several online disputes with XXXX, providing evidence to demonstrate that this information is incorrect. Despite my efforts, XXXX insists that the information is accurate and has refused to remove the erroneous late payments from my credit report. 

In my efforts to resolve this issue : XXXX Requested : I have repeatedly asked XXXX to provide proof that I was late on my account. No such proof has been provided. 

Credit Card Company Statement : I contacted XXXX XXXX BA directly and spent over an hour on the phone with an agent. The agent reviewed my account thoroughly and confirmed that I was never late on my payments and that they have not reported any late payments to XXXX. 

Evidence Submitted : During my online disputes with XXXX, I submitted evidence supporting my claim, including account statements and correspondence with the credit card company. 

Despite these steps, XXXX has failed to address this error and continues to report inaccurate information on my credit report. This inaccurate reporting is negatively impacting my credit score and causing unnecessary stress.

Requested Resolution : I kindly request the CFPB to : Investigate Experians handling of this dispute and require them to comply with their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit reports. 
Remove the inaccurate late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Provide a detailed explanation of the investigation process and the steps taken to ensure compliance with the FCRA. 
Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue promptly.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Account Name : XXXXXXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) 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 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