vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I have no knowledge of this Company and who they are but they have reported to the credit agencies. I have never signed a Contract with them. Please provide my signature and the proof of legal contract. Please also provide how you have verified this debt.15 U.S.C 1681e ( b ) ,15U.S.C 1681s ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I have several inaccurate payment statuses between my three credit reports which to my knowledge USC 1681e ( b ) and 15 USC 1681i ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have several accounts removed. 

My transunion, XXXX and experian do not reflect the same credit, my singular name and accurate payment dates. I have serval accounts that have changed or back dated payment date statuses from unknown to current to charged off. 

I also received several notifications about my information being compromised during the data breach and Im getting a lot of spam mail, text messages and calls.

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 2025-01-29 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: NY

Complaint narrative:
Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ BANK XXXX XXXX ], [ CLOSED ACCOUNT ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

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 XXXX XXXX XXXX. 
Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 consciously avoids knowing that the cause to information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone is using my informations online to purchase items with XXXX through email I have a lot purchases to where my bank account keeps going in the negative and its affecting my credit I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denefits LLC
State: FL

Complaint narrative:
Company has attempted to collect debt I dont owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for unlawful debt collection practices regarding a debt that I believe is barred by the statute of limitations under Texas law. 

The debt in question was charged off on XX/XX/XXXX. Under Texas Civil Practice and Remedies Code, Section 16.004 ( a ), the statute of limitations for most consumer debts, including credit card debt, is 4 years from the date of default or the last payment made. Based on this statute, the time limit for filing a lawsuit to recover this debt expired on XX/XX/XXXX. As a result, Portfolio Recovery Associates , LLC is no longer legally able to pursue this debt in court or engage in collection efforts. 

Despite the expiration of the statute of limitations, Portfolio Recovery Associates , LLC has continued to contact me in attempts to collect this debt. I have not received any formal debt validation notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires that a collection agency provide proof of the debt and their legal right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA collections reached out saying i had an old debt. The address is incorrect first so never received bill. XXXX they said they would if paid in full remove from my credit report. I said perfect send me a letter of agreement if paid in full it would be removed. The collector got angry and refused. Standard legal practice. Told me that's fine we have your work and we will keep calling inadvertently threatening harassment, as well as false promises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

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 2025-01-29 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: SC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Oh my goodness this bank is the most ridiculous Bank I've ever dealt with in my entire life. They just seem Uneducated. Long story short, the card that they say I owe {$300.00} on was attached to my phone and was attached to the app. All the transactions on this card came from one app. Now the things that seem unusual is that the bank has removed most of the fraudulent transactions. But the transactions that were left, they said that they determined that I made those transaction so I asked them to explain and they said well we sent a text message to your phone and you agreed that they were not fraudulent so you sent a text message to the phone that the criminal had. Of course they said it wasn't fraudulent. I mean anybody with any common sense would know that the card would've been frozen right then in there if they would've admitted that they were committing fraud and I've explained this over and over again and every time I talk to someone they say oh yes, that makes sense you know we're gon na re-investigated but they don't really re-investigate and then while they were investigating, they were charging interest and applying light fees to the account, which is against the law if you have any other questions, please don't hesitate to reach out to me, but there is no way in the world that I'm paying this bill. I don't owe anything to this bank. I should have a XXXX balance. I wan na know exactly what it is that I still owe this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
You have violated my federally protected consumer rights. Here is the list of violations : : Under 15 USC 681 ( A 0 in no moving the inuies top it wilty accoas fraudulent, due to identity theft. The result of that caused me to be denied for personal credit. Since you did not follow through with my instructions, you have undermined my confidence in you as a reporting agency which is essential to the continued functioning of the banking system. You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, YOU DID NOT REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED 15 USC 1681C ( D ) ( 2 ) INACCURATE KEY FACTOR INFORMATION The unverified items listed below remain on my credit report in violation of Federal Law ... You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? With that being said, I HAVE FULL FAITH THAT YOU violated 15 USC 1681c-2 ( B ), you DID NOT notify the furnisher of the information because you DID NOT provide me with documents proving that and since you are required to do that under FCRA & Federal Consumer Laws, I need you to ... promptly DELETE all information in 4 days of receiving this third attempt. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Under FCRA Section 617 & UNDER 15 USC 16810 ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. I have a list of demands that need to be met in a timely manner I demand the following accounts be deleted immediately demand the following accounts be deleted immediately WITHIN 4 DAYS. Please remove all non-account holding inquiries over 30 days old. Please add a Promotional Suppression to my credit file. Look at my invoice for my monetary remedy for my emotional damage, anxieties and 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 2025-01-29 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: MI

Complaint narrative:
You have violated my federally protected consumer rights. Here is the list of violations : : Under 15 USC 681 ( A 0 in no moving the inuies top it wilty accoas fraudulent, due to identity theft. The result of that caused me to be denied for personal credit. Since you did not follow through with my instructions, you have undermined my confidence in you as a reporting agency which is essential to the continued functioning of the banking system. You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, YOU DID NOT REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED 15 USC 1681C ( D ) ( 2 ) INACCURATE KEY FACTOR INFORMATION The unverified items listed below remain on my credit report in violation of Federal Law ... You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? With that being said, I HAVE FULL FAITH THAT YOU violated 15 USC 1681c-2 ( B ), you DID NOT notify the furnisher of the information because you DID NOT provide me with documents proving that and since you are required to do that under FCRA & Federal Consumer Laws, I need you to ... promptly DELETE all information in 4 days of receiving this third attempt. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Under FCRA Section 617 & UNDER 15 USC 16810 ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. I have a list of demands that need to be met in a timely manner I demand the following accounts be deleted immediately demand the following accounts be deleted immediately WITHIN 4 DAYS. Please remove all non-account holding inquiries over 30 days old. Please add a Promotional Suppression to my credit file. Look at my invoice for my monetary remedy for my emotional damage, anxieties and stress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a citi bank XXXX XXXX XXXX this month and have gotten XXXX fraud alerts in the last week. Each time I have called and verified myself, and the charges, to have my card unfrozen. This time I call and the only way they will let me verify myself is through a phone NOT on my account ( landline, work phone, etc. ). For context, I work from home and no one has landlines anymore. The only way they will now let me verify myself is by waiting XXXX business days for a letter to come in the mail with a verification code on it. If someone else was trying to fraudulently use my card, I would think they would have more than XXXX phone and could simply " verify '' themselves. Nothing about this verification process makes sense in the slightest.

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 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Per the Federal Student Aid website, interest is not supposed to accrue during SAVE forbearance. When I log into my Nelnet account, there is about $ XXXX accrued in interest. I emailed customer support to ask about this and their response was that interest is accruing regardless of the SAVE forbearance. I emailed them and sent them a copy of the Federal Student Aid website quoting there should not be any interest accruing since XX/XX/year>, but they refused to acknowledge this and provided no assistance whatsoever about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Disputes have been previously disputed with no end results. Please see my doctor 's visit report dated XX/XX/year>. The document states by XXXX XXXX XXXX that I am experiencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The doctor told me this is a symptom of XXXX XXXX XXXXXXXX. I have previously stated in all of my disputes to XXXX and XXXX about my XXXX XXXX. I advised previously that all of the collection agencies listed on all credit bureaus of my XXXX  problems and I can not rememberr if any of these accounts are mine. I have been previously defrauded on credit cards from my previous marriage over 20 years ago. In previous disputes to all of the collections listed on my credit report I have requested proof that I agreed and signed a document stating that I requested and received the credit cards in question. I have also previously requested proof for every purchase on all of the purchases on the listed credit cards that I actually signed for each and every purchase made. I now respectfully request a copy of the forward flow agreement, chain of assignment, purchase agreement, insurance claim of debt, and my signature agreeing to pay. Without proof of the above requested documents I sincerely request that all collections be removed from all credit bureaus and all files are closed. Thank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TN

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-01-29 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: TN

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-01-29 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts marked as inaccurate : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation