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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am submitting a complaint against Cash App ( Block , Inc. ) due to substandard customer support and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to implement adequate and timely measures to protect against fraud on its platform, resulting in my account being left exposed and vulnerable. Additionally, their dispute resolution process was deceptive and unjust, failing to meet the error resolution standards outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures caused me undue inconvenience and put me at risk of financial harm, for which I seek appropriate redress.

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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees. I have occurred despite having sufficient funds when transactions were authorized. I want charge fees due to lag posting of charges and credit this issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices where transaction settled with insufficient balances, despite initially available funds I believe these practices are unfair and request an investigation of 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My issue is with the mobile app Zelle. I have Zelle both personally and for my business through Bank of America however, the app has been very weird over the past few months not recognizing my business account, locking me out of my account repeatedly and making me create passwords over and over. I was also not able to verify where my funds were going and dispute if necessary. I dont have specific dates as this has been recurring over the last several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies I have found on my credit report. After carefully reviewing my credit history, I have identified incorrect balance discrepancies. I kindly request that you investigate and correct these errors as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and resolve this matter within 30 days. I appreciate your prompt attention to this matter and trust that this will be handled efficiently. 

The specific section of the FDCPA at issue is 15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

Thank you for your assistance in fixing this matter. I look forward to hearing from you soon.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am filing a complaint against Wells Fargo due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Wells Fargo 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.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am resubmitting a formal complaint to EQUIFAX regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

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: IL

Complaint narrative:
In XX/XX/XXXX I received an alert from Experian that XXXX XXXX XXXX had placed a debt on my credit for {$30000.00} for unpaid rent at a home XXXX XXXX XXXX XXXX, IL where an eviction was filled. I contact Snap and ask for the lease with my signature, and they provided me with a lease with a digital signature that I did not sign electronically. at the time of the lease my name was not XXXX Mister it was XXXX XXXX ; I did not have any Identification in the name XXXX Mister. My daughter was in middle school during that time where she attended XXXX XXXX XXXX in XXXX, IL and she was in the XXXX, XXXX, XXXX grade during the time of the lease. That is an hour and XXXX commute to the school and around XXXX hours back. I could never have been able to afford that. My daughter is now a freshman at XXXX XXXX XXXX in XXXX, IL and she has attended the XXXX school district since kindergarten. I was divorced XX/XX/XXXX and changed my name the next day. I have been in contact with the Cook County Court house, and they are working with me to Seal the eviction and remove it. I noticed that Experian has Snap Debt Recovery Pending to go back on my credit report. I have filled and FTC report which includes Snap and the address as fraud and Identity theft. I have lived in XXXX IL since 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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
CNAC in conjunction with JD Byrider made me yet another victim of their deceptive lending and sales practices. My issue stems from the period around the time when they were ordered to pay {$1.00} XXXX as a result of their deceptive sales practices and predatory lending. In XX/XX/XXXX I spoke to the representative who sold me a vehicle and informed him of problems I was having with the vehicle shortly after purchase. The sales representative advised me to return the vehicle to the lot and assured me I would have no problems regarding the loan, nor my credit report. That couldn't be further from what I experienced. Come to find out, almost 7 years later, they are still reporting a " chargeoff/repossession '' on my credit report. I have made numerous attempts to contact the representative who misled me at JD Byrider over the years and apparently that individual no longer is employed there and nobody else seemed willing to help me or understand the deceptive and misleading information I was given by said indiviudal. It is my understanding that I am not alone in being a victim of these vicious sales and lending practices by CNAC aka JD Byrider. I am requesting immediate removal of the account from my credit report with XXXX, XXXX, and 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company calls me every single day even when I'm at work. Ive aske for debt validation and purchase agreements and they have ignored all my request. They continue to harass me. I don't even know what this is about.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute for the account : XXXX XXXX XXXX, reported bal. {$9700.00} in regard to inaccuracies and incomplete information on my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation and leaving inaccurate and incompleteness on my report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

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: NC

Complaint narrative:
XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof XX/XX/year> put in dispute for unauthorized use.. no refund I have proof

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX. Token Overreliance Without Considering Compromise Risk * Wells Fargo repeatedly claims that the digital token and phone number used in the {$1000.00} transaction matched my account. However, this simplistic verification process does not address the potential for XXXX XXXX or device compromise. 
* I provided proof of replacing my phone, just as the very first agent asked me to do, which is a significant indicator of fraud, yet Wells Fargo has failed to address or consider this evidence. 
XXXX. Failure to Investigate Buyer Fraud in the {$70.00} Dispute * Despite providing extensive documentation, including screenshots of XXXX XXXX and text messages confirming the transaction, Wells Fargo entirely ignored this evidence. 
* The buyers acknowledgment of the sale and subsequent blocking of me after the dispute clearly demonstrate fraudulent intent. 
XXXX. Dismissal Without Transparency * XXXX XXXX responses fail to provide a transparent explanation for their decisions. There is no detailed rationale for why my evidence was deemed insufficient. 
* Their reliance on generalized statements about transaction authorization ignores the specific fraud indicators and buyer behavior I submitted. 
XXXX. Procedural Errors and Negligence * Wells Fargo addressed me as " XXXX XXXX '' in earlier correspondence, raising serious doubts about the diligence applied to my case. This error exemplifies their lack of care and attention to detail.

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have never opened an account with a debt collector. They will not provide any proof that the debt is mine or accurate. Will not send proof of ownership. I have never gotten anything stating a court date or anything from any company. After disputing several times, they refuse to remove them from my credit report, even after refusing to send any proof that opened these accounts.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding an issue with TransUnions handling of a debt reporting and the failure to provide necessary documentation regarding the debt in question. 

I am disputing a charge that is currently listed on my credit report, which was placed there by a collection agency that now reportedly owns the debt. The debt stems from an apartment complex where I was renting, but I am not in agreement with the amount being reported. I was told by the apartment complex that my rent was {$1400.00} per month, and I should not owe the inflated amount being reported by the collection agency. However, the collection agency has reported this debt at {$3600.00} for XXXX month 's rent, which is inconsistent with the terms of my lease agreement. 

Key Issues : Lease Agreement and Transfer of Debt Ownership : A TransUnion representative informed me that the lease agreement between myself and the apartment complex no longer applies because the collection agency now " owns '' the debt. They claimed that the lease terms I had with the apartment complex are irrelevant to the debt being reported, as it was transferred to the collection agency. 
This explanation is concerning because it contradicts the principle that the collection agency must prove the debt is valid and that they have legal authority to collect it. The collection agency has not provided proof that this inflated charge is correct and enforceable, nor has it validated the original debt terms from the apartment complex. 
Failure to Provide Documentation : Despite multiple requests, TransUnion has failed to provide me with documentation showing that the collection agency has provided the correct and lawful validation of this debt. 
I have asked TransUnion for proof of the original debt that they claim is owed and for documentation from the collection agency showing how they arrived at the {$3600.00} amount. TransUnion has not supplied me with this documentation, nor have they informed me about the details of what the collection agency provided them. 
Impact on My Credit Report and Housing Search : This unresolved issue has been on my credit report for over XXXX months. As a result, I have been denied housing opportunities, as apartment complexes have refused to accept my application due to the reported balance. 
I am requesting that TransUnion either provide the necessary documentation to validate the debt or remove the charge from my credit report, as it is negatively affecting my ability to secure housing.

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