vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIGROUP has Closed my account and has discriminated against because It is my FEDERAL RIGHT to DEMAND TO REDEEM IN LAWFUL MONEY IN PURSUANT OF TITLE 12 U.S.C. 411. I will take you into Federal Court because you have DISCRIMINATED against my FEDERAL RIGHTS of Title 12 U.S.C. 411..

Title 12 U.S.C. 324 requires member banks and Federal Reserve Banks to comply with lawful money redemption demands. This gives me the right to demand the redemption of FRNs for lawful money and ensures that my account transactions are properly processed.

All banks admitted to membership under authority of this section shall be required to comply with the reserve and capital requirements of this chapter, to conform to those provisions of law imposed on national banks which prohibit such banks from lending on or purchasing their own stock and which relate to the withdrawal or impairment of their capital stock, and to conform to the provisions of sections 56 and 60 ( b ) of this title with respect to the payment of dividends ; except that any reference in any such provision to the Comptroller of the Currency shall be deemed for the purposes of this sentence to be a reference to the Board of Governors of the Federal Reserve System

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 2025-02-05 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal dispute regarding inaccurate information on my credit report and failure to investigate a dispute. The entity responsible, Equifax, Experian and transunion has negligently failed to comply with the Fair Credit Reporting Act ( FCRA ), causing harm to me as a consumer.

Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as legal costs and attorneys fees if applicable. The specific negligent actions in my case include : XXXX reporting inaccurate information despite prior disputes Accounts are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX. XXXX XXXX XXXX {$6800.00} Due to this negligence, I have suffered harm including but not limited to such as credit denial, financial losses, emotional distress, or damage to my credit score. 

I formally request the following corrective actions : 1. An immediate investigation into this matter.

2. removal of the inaccurate/disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I never did business with the company CAINE AND WEINER RE : you violated the United States code law 15 US code 1681B permissible purposes of consumer reports ( a ) in general subject of subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on the letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
NOTICE TO CEASE AND DESIST From XXXX XXXX Date : XX/XX/year> Re : Notice to Cease and Desist for Specific Activity XXXX XXXX XXXX XXXX, This letter is served upon due to ( " Activity '' ). 
Collections If you do not cease the aforementioned Activity a lawsuit will be commenced against you. 
If the Activity continues we will immediately seek a temporary restraining order in the District Court against you and any accomplices in this matter. We will also seek monetary damages to be proved at trial. Hopefully this recourse is not necessary, we have our own interests to protect and will vigorously do so.

You will not receive another warning letter. If you do not confirm in writing to us by the, 20.

day of a lawsuit will be commenced immediately. 
_that you will cease violating our Agreement Pride Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MD

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
'm filing this compliance against Cash App ( Block Inc ) due to inadequate customer service and lack fair practices which violates the consumer financial protection act. 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 funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Subject : Complaint Regarding Midland Credit Management Unauthorized Reopening of Closed Account and Incorrect Reporting Dear CFPB Representative, I am writing to formally lodge a complaint against Midland Credit Management regarding their handling of an account ( Account Number : XXXX ) that I do not recognize. Specifically, Midland Credit has reopened a previously closed account without providing me with any prior notification. Additionally, they are incorrectly reporting this account to several credit bureaus, further damaging my credit history. 

I have repeatedly requested debt validation from them, but they have failed to provide sufficient proof that this debt belongs to me. Their failure to validate the debt while continuing to report it inaccurately raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I request that Midland Credit Management either properly validate the debt with appropriate documentation, including original creditor details and proof of my liability, or promptly delete this account from my credit records. 

I request the CFPB to investigate this matter and take necessary actions to ensure Midland Credit Management complies with consumer protection laws. Additionally, I request a written response outlining any findings or resolutions to this issue. 

Thank you for your time and attention to this matter. Please feel free to contact me at the information provided above should you require any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: KY

Complaint narrative:
am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES and ACCOUNT that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES and Account from my credit report. : XXXX XXXX  XXXX : number 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 2025-02-05 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: TX

Complaint narrative:
Hard inquiries

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 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am submitting this formal complaint regarding the unlawful actions of Wakefield & Associates, which have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered an account associated with XXXX XXXX ( account number XXXX ) reported by Wakefield & Associates. This account has been placed on my credit report without proper verification that it is mine. Furthermore, I have not been provided with prior notice or the opportunity to dispute this alleged medical debt. These actions constitute clear violations of my rights and protections under the FDCPA and FCRA. 

The placement of this unverified medical debt on my credit report is a direct violation of my rights, and it has resulted in defamation of my character. By reporting this unverified and disputed debt, Wakefield & Associates has publicly presented inaccurate information about me to potential creditors, employers, and others who review my credit report. This can cause irreversible damage to my reputation, financial standing, and credibility. Such defamation has led to undue stress, frustration, and potential financial harm, as it may negatively affect my ability to secure credit, housing, or employment. 

In addition, Wakefield & Associates ' continued efforts to collect on behalf of XXXX XXXX their failure to properly validate the debthas resulted in the improper sharing and use of my personal information, further harming my reputation. 

Wakefield & Associates has violated the following provisions of the FDCPA : 15 U.S.C. 1692e : Engaging in false or misleading representations, including reporting unverified or inaccurate information. 
15 U.S.C. 1692f : Employing unfair practices to collect a debt, such as improperly sharing personal data without validation. 
As a result of these violations, I demand that the aforementioned account be immediately removed from my credit report and that Wakefield & Associates cease all attempts to collect this unverified debt. I also request a thorough investigation into this matter and expect written confirmation of corrective actions within 15 days. Please note that under federal law, Wakefield & Associates is required to verify this debt before reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: WV

Complaint narrative:
Since i filed the complaint on XX/XX/XXXX with CFPB # XXXX, XXXX XXXX XXXX, never respond to my complaint. 
XXXX XXXX XXXX, respond to your firm on XX/XX/XXXX, saying that will respond directly to me with informations about my account in question,,,,,, as to day i have not received any response yet, they not even respond to my lawyer. 

Under THE FEDERAL TRADE COMMISSION, LAW, if XXXX XXXX, can't supply evidence of the debt, it sure be removed from my credit profile, with : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Upon conducting a recent credit report check, I found information that was 100 % factual yet was unverifiable, invalidated, erroneous, and doubtful. This discovery left me feeling quite dejected. 

According to the 15 U.S. Fair Credit Reporting Act, all information in my credit report must be 100 % accurate. 15, and Code 1681e ( b ). Due to the partial truthfulness of their reporting, these accounts are in violation of Code 1681i ( 5 ). Copies of all the letters are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I noticed a fraudulent transaction in my checking account. I reported the transaction and provided Navy Federal Credit Union with all the information needed to perform their investigation. They denied my claim before the 10 day policy to issue a temporary credit stating they found " no error ''. I reappealed their decision where they informed me they could no longer issue the credit because the claim was denied before the 10 day period and that they are investigating the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-05 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-02-05 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: 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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-05 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: GA

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SD

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 proce 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 2025-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted the creditor to settle my balance directly, but I was informed that my account had been charged off. They then stated that it was closed and in collections with them. Despite my efforts to resolve the matter, they refuse to work with me. Due to a lack of work, I have been unable to make payments, but with assistance from family, I am doing my best to pay them. However, they continue to refuse any cooperation.

Company response to consumer: Closed with explanation