vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This debt collector is violating my rights by reporting on my consumer report without my consent violating the FCRA 15 USC 1681a 2 ( b ). They violated the FDCPA can not validate the debt they trying to collect and are attempting ti collect on debt illegally in Florida. They failed to respond to my debt validation letter and continue reporting and attempting to collect on this debt. I've sent out letter on XX/XX/year>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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 and resolution for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-01-27 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, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-01-27 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: MD

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 lagging 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 2025-01-27 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: OK

Complaint narrative:
Please see supporting documentation pertaining to equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MI

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 was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, were 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 2025-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
I financed vehicle from XXXX XXXX XXXX out of XXXX Missouri, we got approved through XXXXXXXX XXXX  for the loan.The total payments to be paid to XXXX XXXX  was {$31000.00} I have paid them {$33000.00} and they told me on XXXX XXXX that I still owe {$2800.00} that was the end of my lease, However I never got notice that I owed this money, so I asked them how I owed this much money when they have already received {$1600.00} more then the loan, they told me its a daily Intrest charge.However when I called XXXX XXXX XXXX they told me the interest charge was {$1.00} per day because I was going to go ahead and make more payments on my car so they don't repo it.I called today to make a payment and they say I now owe {$3200.00} how is this legal? At this rate I will never get my car paid off and I never signed any agreements from this company for a daily interest neither this is like {$360.00} in 13 days of interest I have outstanding payment history with them have never missed a payment and my car should be paid off do I send them more money?.?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, Experians 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 Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-27 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: TX

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
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am Listing 5 Fraudulent Inquiries from my Transunion credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the listed inquiries do not belong to me and must be removed from my transunion credit report. I had a call with all companies and credit reporting agency and was adviced to fill identity theft for deletion. I am Requesting Transunion to mark listed Inquiries as fraudulent and remove them 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I received notification from my First Access Visa card that an address change has been made on my account. The change was from my address in XXXX, MD to an address in XXXX, XXXX. I have neither moved nor requested an address change on my account. When I put in my login information on the myccpay.com website, it tells me my credentials are incorrect. I called First Access lost/stolen number and reach a XXXX (? ) XXXXXXXX XXXX XXXX 
The verification process performed by XXXX was a joke! He only asked for my XXXX XXXX and Full Name - That's it!! During the call, I was able to ascertain from XXXX that the email address has been changed but they still have my Social Security number. It's easy to see how some random person can call and change the address and email since there is pathetically no security with First Access accounts! I requested and received confirmation from XXXX that the account is now closed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Credit Collection Services is collecting a debt on behalf of XXXX XXXX XXXX XXXX that is not owed. I notified XXXX that I had found a more suitable policy and to terminate the existing policy with them. I was assured by the agent that the policy was terminated and no further premiums were due. I took their word for it. Come to find out the policy was not appropriately terminated as requested and/or I was misled by the agent. Please remove from XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
An individual in another state used my social security number to open an account with XXXX XXXX. They didn't pay the Bill and Credence sent me a collection notice. I did all of the required paperwork with Dish and Credence, and I was cleared of the debt in XXXX of XXXX. Now, that debt collector is trying to collect the debt from me again and has ignored me that I proved to them that the account was a result of identity fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a new unlimited cash back credit card from Bank of America that offered 2.62 % cash back based on my preferred reward platinum honors status with the bank. The business has two accounts with Bank of America. A business checking account that qualifies for and is enrolled in preferred rewards platinum honors. The account has been enrolled in preferred rewards for several years. When logging into my account at BofA I was offered a credit card that would give me 1.5 % cash back plus an additional 75 % percent bonus for a total of 2.62 % based based on my current Bank of America platinum honors status. I noticed immediately the card wasn't receiving the bonus on any purchases since it was opened.. I spoke with customer service for both the credit card and the bank on 6 different occasions and was told various things on what needs to be done to correct it but basically said it wasn't their problem to fix. I even went into the bank on two occasions via an appointment and they called their own support and tried to correct it. The bottom line is that each representative keeps saying its a problem with a different department and or person I need to call a different number or talk to this support group which just created a circle of un-accountability ; Resulting in no one actually trying to resolve the problem to ensure I receive the promised benefits which I qualify for. In fact its disturbing how Bank of America simply passes the problem to someone else and then back again to the same support group that they sent me to the other support groups in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Subject : Request for Immediate Deletion of Debt and Investigation Identity Theft Dear CFPB Representative, I am writing to formally dispute a debt reported under my name and to request your assistance in resolving this matter. Despite my efforts to address this directly with the debt collection agency and related parties, the issue remains unresolved, causing ongoing harm to my credit and financial standing. 

Previously, I contacted the debt collection agency to request the following information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) : Validation and documentation of the debt. 
Name and address of the original creditor. 
Details about the debt, including the amount owed, the date of the last payment, and whether the debt is beyond the statute of limitations. 
Verification of the debt via original contracts or supporting documentation.

Confirmation that the agency is licensed to collect debts in my state.

To date, I have not received any of the requested documentation, which constitutes a violation of 15 U.S.C. 1692g ( Verification of Debts ). This failure to provide the required information demonstrates a disregard for federal compliance and raises serious concerns about the validity of the debt. 

The debt in question involves Southwest Credit Systems attempting to collect on a cable account associated with XXXX XXXX XXXX XXXX XXXX XXXX ' collection agency ). This debt is directly tied to a fraudulent residence at XXXX at XXXX, which was obtained through identity theft. I have already informed XXXX XXXX XXXX that this debt is the result of identity theft. While they acknowledged this and subsequently charged off the debt, they have reportedly recovered funds for the loss. Despite this, the debt has been repeatedly sold to other collection agencies, perpetuating a cycle of harassment. 

Important Legal Consideration : Under federal law, once a creditor charges off a debt and recoups funds ( through insurance claims, tax write-offs, or other financial recovery methods ), the creditor forfeits the right to collect on the debt. Any subsequent attempt to collect would violate the Federal Trade Commission ( FTC ) guidelines regarding " double recovery, '' which prohibit creditors from collecting on a debt they have already been compensated for. This practice could also violate state laws and the Fair Credit Reporting Act ( FCRA ).

Additionally, as a victim of identity theft, I am entitled under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to have fraudulent accounts removed from my credit report upon providing a statement of dispute and supporting documentation. I have provided all required evidence to both XXXX XXXX XXXX and the debt collector, yet they have failed to address this issue adequately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I never done business with this debt collector. I'm asking for legal documentation with my signature

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 2025-01-27 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: FL

Complaint narrative:
ID Theft Report submitted and then received letter advising me that more info was needed. The Fraud items remain on my report and stopping me from using my consumer credit for me and my family to obtain a home. I have included everything in this submission.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
Continually contacts me about these accounts ( of which I have 2. I believe one account is a loan and the other is a credit card. There was a final payment made on BOTH of these.. Yet they still appear on my credit report disallowing me to use my credit/card as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair Practices violating 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