vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have hard inquiries on my credit that I didn't authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/XXXX an ATM didn't dispense my {$300.00}. Tried calling ATM phone number and they hung up. 
Filed a dispute with Chime for the {$300.00} because I didn't receive any money from the ATM. 
They are refusing to follow Regulation E as is required by law. They keep telling me they 60 to 90 days take care of it. 
I'm XXXX and that {$300.00} is all I had to pay my rent. Chime gets XXXX about me complaining

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, AMSHER Collection Services reported a {$630.00} collection account to the credit bureaus, claiming the debt originated from XXXX. This account is fraudulent and unauthorized. Despite my formal request for validation under FDCPA, 15 USC 1692g, AMSHER has failed to provide documentation substantiating the debt, including proof of agreement, detailed payment history, and evidence of their legal right to collect. Additionally, AMSHER has continued collection activities and reported the debt to credit bureaus without proper validation, violating both FDCPA and my rights as a consumer. 

These actions contravene key legal precedents, including XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), which underscores the necessity of proper debt validation, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which highlights the obligation to cease collection activities during validation disputes. AMSHER 's conduct is causing significant harm to my creditworthiness and financial stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is regarding XXXX XX/XX/XXXXAccount XXXX XXXXopen date {$2400.00} Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files ; failing to prevent the improper reinsertion of previously deleted information from consumer files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded.that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is regarding XXXX XXXX  Account XXXX XXXX date {$2400.00} Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files ; failing to prevent the improper reinsertion of previously deleted information from consumer files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded.that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give experien written permission to furnish these accounts Accounts 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I discovered multiple inaccuracies and discrepancies on my credit report provided by Experian. Despite my efforts to address these issues, they remain unresolved, negatively impacting my creditworthiness. Specifically : Duplicate Accounts : My report lists duplicate student loan accounts under the Department XXXX XXXX XXXX which inflates my debt profile. 

Closed Accounts Marked as Open : Accounts such as XXXX XXXX  and XXXX XXXX remain marked as open despite being charged off or closed. 

Incorrect Account Status : XXXX XXXX XXXX XXXX mortgage inaccurately reflects a past-due amount and ongoing delinquency, even though payments were made or otherwise disputed. 

Collections Issues : A XXXX XXXX debt shows as both a charged-off account and an active collection under XXXX XXXX XXXX, XXXX XXXX XXXX impact on my report. 

Old Information Not Removed : Accounts such as the XXXX XXXX  and XXXX XXXX  continue to report negative statuses despite being charged off over two years ago. 
I previously disputed these inaccuracies directly with Experian on multiple occasions, providing supporting documentation and clarifications. Despite the required 30-day resolution window, Experian 's investigation failed to adequately address these concerns or correct the errors. In some cases, I received no communication about the investigation results.

These unresolved inaccuracies have caused financial hardship by lowering my credit score, increasing loan and credit card denial rates, and preventing me from obtaining competitive terms for essential financial products. 

I seek the CFPB 's assistance in ensuring that Experian complies with its obligations under the Fair Credit Reporting Act ( FCRA ) by thoroughly investigating my disputes and correcting or removing the inaccurate information 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 2025-01-22 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:
PLEASE BLOCK AND REMOVE 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am writing to dispute an entry on my credit report. The entry in question is National Credit Systems Inc. I believe this entry is inaccurate because it they are attempting to collect on a debt that. In accordance with the Fair Credit Reporting Act, I am requesting an investigation into this matter. 
Please investigate this matter and correct my credit report as necessary. I requXXXX XXXXXXXX National Credit Systems Inc. 
XXXX XXXX XXXX XXXX XXXX GA, XXXX Re : Request for Debt Validation Dear National Credit Systems Inc . 


I am writing to request validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt and request that you provide me with the following information : 1. The name and address of the original creditor. 
2. A detailed explanation of the debt, including the amount owed and how it was calculated.

3. Copies of any agreements or contracts that show I am obligated to pay this debt.

4. Proof that you are authorized to collect this debt on behalf of the creditor.

Please note that I am requesting this information to ensure the accuracy of the claim and to confirm that the debt is valid. Until you provide the requested information, I request that you cease all collection activities and communications regarding this debt, as required by law.

Additionally, I request that you refrain from reporting this debt to any credit reporting agencies until it has been validated. If you have already reported this debt, please notify the credit bureaus that the debt is in dispute.

This letter is not a refusal to pay but a request for clarification and verification. I look forward to your response within the timeframe required by law. Please send all correspondence regarding this matter to my address listed above.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I am filing a complaint against Cash App ( Block. Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and addressing 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 Finacial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've tried to dispute all inaccurate information more than several times with Experian. Even with providing them with documents & they have still yet to make any corrections or removals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CapitalOne refuses to credit account interest and additional fees, preventing payment on account. 
There was a dispute for transaction of more than {$1100.00} that has now been properly credited to XXXX XXXX Capital One account from XXXX XXXX  ( disputed XX/XX/XXXX, resolved XX/XX/XXXX ) Three months of payments and bilking cycles require interest fee calibration and fee removal on account. Through my diligence, not CapitalOne or through their dispute process, I was able to get situation rectified after several months. 
CapitalOne refuses to communicate in writing! I have requested communication several times to be provided in writing and supplied info in writing that has not been uploaded to account either. This is also unethical and breach of credit card contract. 
Now upon trying to make appropriate payment and have account current, CapitalOne is being unethical and breach of contract for not removing interest and fees related to credited transaction. While also preventing appropriate payment due to be paid on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX my account was sold to XXXX XXXX XXXX on a charged off account as of XX/XX/XXXX. The original creditor was Comenity Bank : XXXX XXXX. The amount accused was {$600.00} I refused to pay this amount to the original creditor who could not provide me information as to where they are getting this amount. My account was paid off in full - in person - prior to this balance. I received harassing calls at all hours of the day demanding payment, but no information. 
I got the negative marks removed from my credit report by XXXX XXXX XXXX on XX/XX/XXXX. I got served a notice to be sued in superior court as of XX/XX/XXXX, in which I responded & sent a letter requesting verification to XXXX XXXX XXXX. They sent back screenshots of my account information, again nothing showing where they are getting this balance. A trial date has been set for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OFG BANCORP
State: PR

Complaint narrative:
accordance with the fair credit reporting act account oriental bank XXXX has violate my rights 15 u.s 1681 secction 602 a.states i hace the rights to privacy 15 u.s.c 1681 section 2 : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 reasonable procedures designed 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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