vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: NJ

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Violation of 15 USC 1692G, 15 USC 1681B causing grave harm to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling 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 2025-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I had received a prepaid XXXX XXXX  card with a balance of {$1500.00} from XXXX  on XX/XX/XXXX and was unable to use it even after activating it. When I called InComm, the company who is the service provider for card services, thecustomer service team collected information to validate and asked me to wait 24 hours to use it. Before I could use it the next day, I saw there were 3 fraudulent transactions that were made {$500.00}. 
Details below : XX/XX/XXXXXXXX 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} I was able to contact InComm through phone within 2-3 hours of seeing the transactions and they had raised a case on my behalf and informed it would take 45-90 days for resolution and get the money back. The only way to follow up on the case with the disputes team was by emailing to XXXX. I emailed them a few times and never got any response on the status even after 75 days. Finally I get a notice from that email saying they have evaluated the case and unable to approve my dispute. So I call customer service to follow up escalate the problem and reopen the ticket or open a new ticket and they are not willing to help, asking me to send an email to that ID again. There was no response on my earlier queries to the same email ID, and they're unable to transfer over to the disputes department. I got in touch with a supervisor and they say the same thing. I had raised the issue soon after the fraud transactions had taken place and it feels like they lacked the motivation to follow up on the case immediately. It's definitely fraud and I'm at a loss at how this has been dismissed. I'm attaching the final notice I received from XXXX. I'm an upstanding citizen and have no bad reports on my credit and have never been involved or even had such experiences in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I had a credit card thought the XXXX XXXX XXXX clothing business and everything was fine until about XXXX. They would delay for weeks on in to attempt to finally take the payment until it was declined. I had set up payment plan with XXXX XXXX XXXX. Very last payment date they didn't take it on time and now " I failed '' on my part and owe more and more in late fees until I owe now {$320.00} then sent me to collections. I sent a letter to debt collector " Midland Credit Management '' to verify proof of my info given and they have not sent me anything .... this was months ago and still have not but keep sending me letters in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
LVNV Funding has reported inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

**Multiple Accounts Being Illegally Re-Aged & Collected On LVNV Funding is reporting two separate accounts, both of which contain the same violations of federal law : 1.Illegally Re-Aged Debt LVNV Funding has altered the Date of Last Activity ( DLA ), making the accounts appear more recent than they actually are to extend the reporting period beyond the legal limit ( FCRA 15 U.S.C. 1681c ( a ) ).

2. Failure to Validate Debt Despite my formal written requests, LVNV Funding has failed to provide any documentation proving ownership, payment history, or my contractual obligation, violating FDCPA 15 U.S.C. 1692g.

3.Unlawful Collection Attempts LVNV Funding continues to contact me via phone and email attempting to collect this unverified debt, in direct violation of FDCPA 15 U.S.C. 1692g ( b ), which prohibits collection efforts until proper validation is provided. I have also requested all communications be in writing, yet they have ignored this request.

Requested Resolution : 1. Immediately delete both accounts from my credit report due to violations of the FCRA and FDCPA.

2. Cease all collection activity related to these accounts.

3.Correct any false or misleading information reported to credit bureaus.

LVNV Fundings pattern of deceptive and unlawful debt collection practices demonstrates clear non-compliance with federal regulations. If this issue is not resolved promptly, I am prepared to escalate this complaint to the FTC, my states Attorney General, and pursue legal action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a formal complaint against Best BuyXXXX Bank regarding the closure of my credit account in good standing without cause or prior notice. I believe this action is unfair and potentially in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : In 2023, Best BuyXXXX Bank closed my credit account without providing any reason. At the time of closure : The account was in good standing with no history of late payments. 
The balance had recently been paid off in full, resulting in a XXXX balance. 
I did not receive any prior notification or explanation for this closure. This action has negatively impacted my credit utilization ratio and overall credit score, despite my responsible credit usage. 

Upon contacting XXXX Bank, I was not given a satisfactory explanation or resolution for the closure of this account. 

Relevant Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), the following sections are particularly relevant : 15 U.S.C. XXXXm ( a ) : Notice of Adverse Action " If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ... provide oral, written, or electronic notice of the adverse action to the consumer. '' Closing my account without notice or a valid reason constitutes an adverse action, impacting my credit score and financial standing. XXXX Bank failed to provide me with the required adverse action notice explaining why my account was closed. 

Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. XXXX ( d ) ( XXXX ) " Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. '' As a creditor, XXXX Bank is required to provide a reason for taking adverse action, including closing a credit account in good standing.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct the following errors : Account/Entry Name : XXXXXXXX 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 XXXXXXXX As per FCRA 15 USC 6802, I understand that consumer reporting agencies are required to maintain accurate information and take appropriate steps to ensure that consumer reports are correct and up to date. I request that the inaccurate entry be corrected or removed as required under federal law. Additionally, under FCRA 15 USC 1681b, you are prohibited from reporting information without my consent unless there is a permissible purpose. I request that you ensure that this report was not obtained or shared improperly, and that any violations be rectified. Furthermore, in light of potential identity theft or fraudulent reporting, I refer to 18 USC 1028A, which mandates that any fraudulent use of personal information must be addressed and rectified immediately. If this entry was the result of identity theft or fraud, I request that the necessary steps be taken to investigate and remove the entry. Please provide me with written confirmation of your receipt of this dispute and the actions you plan to take. If your investigation confirms that this information is inaccurate, I request a prompt correction or removal of the disputed item ( s ) from my credit report. Under the FCRA, you are required to investigate my dispute within 30 days. If you are unable to resolve the issue within this timeframe, I expect to be notified in writing of the results of your investigation. Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: CO

Complaint narrative:
I requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX a letter from National Debt Relief, LLC stating XXXX things : the date of enrollment, my standing, and authorization to obtain a home loan. This is required by every type of lender when working with clients in a debt relief program. I've also been informed that this can be done. Then, On XX/XX/XXXX I was told that National Debt Relief will not do this. Mortgage guidelines state : Conventional, FHA and VA guidelines : It is okay to be in credit counseling and get a home loan if : You are at least 12 months into the plan ; Youve made all required payments in full and on time ; and You have written permission from the counseling agency. However, National Debt Relief, LLC refuses to do this despite the fact that I have been enrolled in the program since XX/XX/XXXX and have made every payment on time. I feel that being denied my request is wrong as I have done everything that is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX  - XXXX - {$7900.00} XXXX XXXX XXXXXXXX - {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-28 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: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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