vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I Had Zelle For My XXXX XXXX  Account An Money was Stolen From Account I Contacted Them An They Never Fixed The Problem Or Anything So I Lost {$5000.00} That Led Me Not Able To Pay My Bills Which Ended Me Up In A Shelfter An I Have XXXX kids Nothing Had Been the Same For Us Since An Im A Single Father.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
Debt Validation Notice Dear Jefferson Capital Systems LLC I am writing this letter to formally request the validation of a debt that is allege owed to Jefferson Capital Systems XXXX. This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



I the consumer have seen on my credit report Jefferson Capital Systems LLC claiming that I owe a debt of {$750.00} related to sprint. However, as a responsible consumer, it is my right to seek validation of this debt before taking any further action.

To ensure the accuracy and legitimacy of the debt, I kindly request the following information from you or the debt collection agency : 1. The original creditor 's name and contact information.

2. The original account number associated with the debt.

3. A detailed breakdown of the debt, including the dates and nature of the transactions.

4. Copies of any documents or agreements proving that I am legally obligated to pay this debt.

5. Proof of the agency 's authorization to collect this debt on behalf of the original creditor.

Please note that according to the FDCPA, you are required to provide the requested information within 30 days from the date of your receipt of this letter. Failure to comply with this request will result in a violation of my rights under the FDCPA, and I reserve the right to take appropriate legal action to protect my interests.

Furthermore, I request that you refrain from any further collection activities or attempts to contact me until the requested debt validation has been provided. Any continued collection efforts without proper validation will be considered a violation of the FDCPA.

I appreciate your prompt attention to this matter and your cooperation in providing the requested information. Please ensure that all correspondence regarding this debt is in writing and sent to the address mentioned above. 



Thank you for your understanding, and I look forward to receiving the requested debt validation within the specified timeframe. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX 

Please delete the following accounts : 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 non-monetary relief
Consumer complaint received 2025-02-02 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I ordered a pair of shoes from XXXX. I received a tracking number and the package was mistakenly delivered to an address several blocks from my house. I never used that address and I went there to check if my package was delivered there and I was unable to locate my package. I contacted the merchant and eventually had to contact my bank to dispute the transaction. It took them 30 days to return my money and after 60 days they told me that they had resolved the issue in favor of the merchant. I never received what I paid for and I should not be responsible for paying for something I have not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore/.their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been requesting documentation from all XXXX of the credit bureaus to find out. How are they lawfully? 
Going to put information on my credit report. That does not have anything to do with a credit transaction, nor is it a judgment, nor is it a public record.. to this day, I have not gotten anything. The acct is the office of the Attorney General acct # XXXX, federal law always supersedeState and state law always supersedes procedure. How can the credit reporting agencies uphold something that is unlawful,, the reporting of child support is a violation of the separation of powers. Separation of powers is a constitutional law doctrine that divides the government into branches with separate powers and responsibilities. The purpose of this system is to prevent any one branch from becoming too powerful. I'm not saying a person should not pay or or take care of the child. But i'm saying the reporting of it on your credit report is illegal. A person that doesn't know there rights has no rights. How can the reporting of child support the lawful? When your own case law says that it is not, and yes, child support is a violation of the constitution.This has already been proven, it has nothing to do with a credit transaction. So, how is it on my credit report?? When child support comes back verified, my question is this. How can child support comeback verified? When your own case law states that it should not even be on your credit report? This means that an investigation was not done. Failure to investigate is a violation. There is a manner from TransUnion itself. That states, important notice credit reports for collections. Of delinquent, child support judgment finds, and leans are no longer permitted, it says that federal courts recently have issued rulings on the use of Consumer Reports for the collection of child support under the FCRA fair credit reporting act the three credit reporting agencies knew that ever since 2007 that child support is not supposed to be reported on a consumer report.

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

Complaint narrative:
I have been requesting documentation from all XXXX of the credit bureaus to find out. How are they lawfully? 
Going to put information on my credit report. That does not have anything to do with a credit transaction, nor is it a judgment, nor is it a public record.. to this day, I have not gotten anything. The acct is the office of the Attorney General acct # XXXX, federal law always supersedeState and state law always supersedes procedure. How can the credit reporting agencies uphold something that is unlawful,, the reporting of child support is a violation of the separation of powers. Separation of powers is a constitutional law doctrine that divides the government into branches with separate powers and responsibilities. The purpose of this system is to prevent any one branch from becoming too powerful. I'm not saying a person should not pay or or take care of the child. But i'm saying the reporting of it on your credit report is illegal. A person that doesn't know there rights has no rights. How can the reporting of child support the lawful? When your own case law says that it is not, and yes, child support is a violation of the constitution.This has already been proven, it has nothing to do with a credit transaction. So, how is it on my credit report?? When child support comes back verified, my question is this. How can child support comeback verified? When your own case law states that it should not even be on your credit report? This means that an investigation was not done. Failure to investigate is a violation. There is a manner from TransUnion itself. That states, important notice credit reports for collections. Of delinquent, child support judgment finds, and leans are no longer permitted, it says that federal courts recently have issued rulings on the use of Consumer Reports for the collection of child support under the FCRA fair credit reporting act the three credit reporting agencies knew that ever since 2007 that child support is not supposed to be reported on a consumer 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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 non-monetary relief
Consumer complaint received 2025-02-02 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 writing to dispute fraudulent accounts and unauthorized inquiries appearing on my credit report, which I have identified as the result of identity theft. I am submitting this letter in conjunction with my FTC Identity Theft Affidavit and supporting documentation to request the removal of these items and the cessation of any associated collection activities. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts do not belong to me and have led to inaccurate reporting and related financial hardship. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am invoking my right to have this fraudulent information blocked and permanently removed. 

Please find the following documents enclosed to support my claim : FTC Identity Theft Affidavit A copy of my government-issued identification Proof of my current address I kindly request that you investigate this matter and take action within the time required by law. Please provide a written response confirming the removal of the fraudulent items and any updates regarding this dispute. If additional information is needed to process my request, feel free to contact me using the details below.

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 2025-02-02 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: MS

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX have violated federal laws including 15 USC 1666b, 15 USC 6801, and 15 USC 6802, causing harm to my person. It has also subject me to involuntary servitude, peonage, and human trafficking of my person. XXXX XXXX has falsely reported 31 missed payments of Trust property without proper validation of the debt providing due process. Under 15 USC 1666b, creditors are required to provide accurate billing and dispute resolution procedures, which XXXX has failed to follow. Their actions constitute fraudulent and deceptive practices. XXXX XXXX, after purchasing the purported debt, continues to report as a debt collector. A violation of 15 USC 6801 and 6802, which mandate financial institutions to protect consumer information and prevent deceptive practices. Since XXXX purchased the debt, they are no longer a third party collector but rather the principal, and they must comply with all credit obligations. Misrepresentation unlawful reporting create financial bondage further constituting involuntary servitude and peonage under 18 USC 1581 and 1584. XXXX XXXX Peonage, and Financial Exploitation - the deceptive and unlawful actions of XXXX  and XXXX XXXX  have forced me into a situation where my labor and financial recourses are continuously exploited to pay a purported debt under false reporting. RICO Violations and Financial Exploitation- the coordinated fraudulent actions of XXXX XXXX and XXXX XXXX constitute racketeering activity under RICO Act 18 USC 1961, 1962, 1964. These activities have engaged in : Mail and Wire fraud 18 USC 1341, 1343 through deceptive financial reporting and unlawful collection practices. Financial exploitation and XXXX XXXX 18 USC 1589, 1595, by creating unlawful financial constraints the restrict my economic freedom. Extortion 18 USC 1951 through fraudulent debt claims wrongful repossession and continued financial harassment.

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

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX have violated federal laws including 15 USC 1666b, 15 USC 6801, and 15 USC 6802, causing harm to my person. It has also subject me to involuntary servitude, peonage, and human trafficking of my person. XXXX XXXX has falsely reported 31 missed payments of Trust property without proper validation of the debt providing due process. Under 15 USC 1666b, creditors are required to provide accurate billing and dispute resolution procedures, which XXXX has failed to follow. Their actions constitute fraudulent and deceptive practices. XXXX XXXX, after purchasing the purported debt, continues to report as a debt collector. A violation of 15 USC 6801 and 6802, which mandate financial institutions to protect consumer information and prevent deceptive practices. Since XXXX purchased the debt, they are no longer a third party collector but rather the principal, and they must comply with all credit obligations. Misrepresentation unlawful reporting create financial bondage further constituting involuntary servitude and peonage under 18 USC 1581 and 1584. XXXX XXXX Peonage, and Financial Exploitation - the deceptive and unlawful actions of XXXX  and XXXX XXXX  have forced me into a situation where my labor and financial recourses are continuously exploited to pay a purported debt under false reporting. RICO Violations and Financial Exploitation- the coordinated fraudulent actions of XXXX XXXX and XXXX XXXX constitute racketeering activity under RICO Act 18 USC 1961, 1962, 1964. These activities have engaged in : Mail and Wire fraud 18 USC 1341, 1343 through deceptive financial reporting and unlawful collection practices. Financial exploitation and XXXX XXXX 18 USC 1589, 1595, by creating unlawful financial constraints the restrict my economic freedom. Extortion 18 USC 1951 through fraudulent debt claims wrongful repossession and continued financial harassment.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 non-monetary relief
Consumer complaint received 2025-02-02 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICE I HAD A FRAUDULENT ACCOUNT XXXX MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT SOUTHWEST CREDIT SYSTE ACCOUNT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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:
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 lagged 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. 
I want the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Inquiries that I do not recognize. I disputed with Equifax but it has not been removed as of today. Please remove the following fraudulent inquiries : 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 response to consumer: Closed with non-monetary relief