vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: WA

Complaint narrative:
Hi, I just got reported a collection for {$2000.00} on my credit profile in XX/XX/XXXX that it was filed from Jefferson Capitol system ( case XXXX  JCS Reference Number XXXX ). 
I would like to confirm with them that I have already paid off in full in XX/XX/XXXX with another collection company named XXXX ( agency file no. XXXX XXXXXXXX ). Could you please help communicate with them to remove this debt ( XXXX  account noXXXX  ) from my credit profile. I also have an evidence that related to this debt and last payment I made with the previous collector. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
My personal information was used improperly to conduct these inquiries on my personal credit report. I have not completed these. It has made my life very hard, and detrimental trying to navigate with these on 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 2025-02-04 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: LA

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 that i have marked as inaccurate : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed an erroneous entry regarding an account with XXXX XXXX XXXX, account number [ Insert Last Four Digits ], which I believe to be inaccurate. 

The report lists the account with a charge-off status and a balance of {$14000.00}, which I dispute for the following reasons : 1. Inaccuracy of Balance and Status The reported balance and charge-off status are incorrect. If this account was settled, closed, or paid in full, the reported balance does not reflect that accurately.

2. Incorrect Payment History The payment history contains errors, which misrepresent my actual payment behavior and financial responsibility.

3. Lack of Proper Validation If the creditor is reporting this account, I formally request a full validation of the debt, including all records of payments made, agreements, and any documentation supporting the charge-off status.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and removed or corrected accordingly. Please provide a response and any supporting documentation within 30 days of receiving this letter.

Enclosed, I have attached a copy of my credit report with the disputed account highlighted for your reference.

If this account can not be verified or corrected, I respectfully request its immediate removal from my credit report. Please notify me in writing once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted [ Any additional supporting documents, e.g., payment receipts, correspondence with the creditor ] Note : When disputing information on your credit report, its advisable to include copies of any relevant documentation that supports your claim. This may include payment records, correspondence with the creditor, or any other pertinent information. Additionally, consider sending your dispute letter via certified mail with a return receipt requested to ensure that it is received and to have proof of delivery.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/year> my phone was stolen and I had several unauthorized transactions from my cashapp account. I have submitted.a claim with cashapp. 
XX/XX/year> {$770.00} XX/XX/year> {$20.00} I have submitted a.police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
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 ( CFPB ). 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 Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The presence of a derogatory rating on my account has created immediate and severe consequences for my financial wellbeing. Most notably, this negative mark has already led to the rejection of my recent loan application and triggered concerning increases in interest rates across my existing credit accounts. The impact extends beyond mere financial metrics, causing significant emotional distress as I grapple with the ongoing implications for my financial future and stability.

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 2025-02-04 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-04 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

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 and 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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked them to remove these accounts from my credit report and its under investigation, but its been more than 30 days since the dispute and they have met the deadline so I demand items removed from my account

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 2025-02-04 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: CA

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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late/Open Late Late 120 Days Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-02-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed an erroneous entry regarding an account with XXXX XXXX XXXX, account number [ Insert Last Four Digits ], which I believe to be inaccurate. 

The report lists the account with a charge-off status and a balance of {$14000.00}, which I dispute for the following reasons : 1. Inaccuracy of Balance and Status The reported balance and charge-off status are incorrect. If this account was settled, closed, or paid in full, the reported balance does not reflect that accurately.

2. Incorrect Payment History The payment history contains errors, which misrepresent my actual payment behavior and financial responsibility.

3. Lack of Proper Validation If the creditor is reporting this account, I formally request a full validation of the debt, including all records of payments made, agreements, and any documentation supporting the charge-off status.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and removed or corrected accordingly. Please provide a response and any supporting documentation within 30 days of receiving this letter.

Enclosed, I have attached a copy of my credit report with the disputed account highlighted for your reference.

If this account can not be verified or corrected, I respectfully request its immediate removal from my credit report. Please notify me in writing once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted [ Any additional supporting documents, e.g., payment receipts, correspondence with the creditor ] Note : When disputing information on your credit report, its advisable to include copies of any relevant documentation that supports your claim. This may include payment records, correspondence with the creditor, or any other pertinent information. Additionally, consider sending your dispute letter via certified mail with a return receipt requested to ensure that it is received and to have proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
XXXX XXXX XXXX XXXX Ct. 
XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed an erroneous entry regarding an account with XXXX XXXX XXXX, account number [ Insert Last Four Digits ], which I believe to be inaccurate. 

The report lists the account with a charge-off status and a balance of {$14000.00}, which I dispute for the following reasons : 1. Inaccuracy of Balance and Status The reported balance and charge-off status are incorrect. If this account was settled, closed, or paid in full, the reported balance does not reflect that accurately.

2. Incorrect Payment History The payment history contains errors, which misrepresent my actual payment behavior and financial responsibility.

3. Lack of Proper Validation If the creditor is reporting this account, I formally request a full validation of the debt, including all records of payments made, agreements, and any documentation supporting the charge-off status.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and removed or corrected accordingly. Please provide a response and any supporting documentation within 30 days of receiving this letter.

Enclosed, I have attached a copy of my credit report with the disputed account highlighted for your reference.

If this account can not be verified or corrected, I respectfully request its immediate removal from my credit report. Please notify me in writing once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted [ Any additional supporting documents, e.g., payment receipts, correspondence with the creditor ] Note : When disputing information on your credit report, its advisable to include copies of any relevant documentation that supports your claim. This may include payment records, correspondence with the creditor, or any other pertinent information. Additionally, consider sending your dispute letter via certified mail with a return receipt requested to ensure that it is received and to have proof of delivery.

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 2025-02-04 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
The items I have listed are currently on my credit report as paid off or charged off i also have one company listed twice I have reached out to the companies several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The items I have listed are currently on my credit report as paid off or charged off i also have one company listed twice I have reached out to the companies several times

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late payments on my credit profile There are procedures to furnish late payments and must be compliance with the law under Timing of payments 15 u.s.c. 1666B clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reason procedures design to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

1. I requested information from 1637 ( b ) 2.I requested mail tracking number that was not provided 3.mail or delivered 21 days or less 4.Periodic statement was not provide 5. 15 usc 1681 s-2 Negative information law requirement I requested information from 1681a ( p ) states Negative information notice must be provided to the consumer thirty days before or after the negative account been reported to the consumer credit report I never got the negative notice XXXX XXXX is in violation 15 usc 1681N willfully non compliance civil liability I put the company on notice they fail to investigate my disputes violations under 15usc1681i

Company response to consumer: Closed with explanation