vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( XXXX ) on my credit report. Under multiple federal statutes, including the XXXX XXXX ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( XXXX XXXX ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

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 explanation
Consumer complaint received 2025-03-19 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: NC

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 2025-03-19 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to formally dispute a claim of civil liability for negligence as it pertains to two collections on my credit by transworld system inc.

I believe that the negligence claim lacks merit and am asserting that no violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., has occurred, nor should I be held liable under Section 1681o of the FCRA. 

Under 15 U.S.C. 1681o, an individual or entity may be held civilly liable for negligence if they fail to comply with the requirements of the FCRA. 

Also, XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Did not have proper support for its services when issues came about. Couldnt contact live support, when a withdrawal never made it to account after trying to contact by phone couldn't get a hold of anyone several times. After utilizing the AI chat support, was only offered refund of {$3.00} for not instant. kept trying to chat with them, took days to finally receive money and received no response from XXXX Refund of only {$3.00} was issued XX/XX/year> I tried to withdrawal my cash amount in early XXXX, but unsure of the amount because XXXX only posted not instant and did not provide an email documenting the occurrence. I can not even find the history of the chat because it is not there. They do not keep a chat history available to you in the app. Had a very frustrating experience with them and was completely unaware that the entire time they never had live support were an actual person that could understand the situation and issues. I was trying to get them to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
At the beginning of last year, I got a job working in the XXXX industry at a XXXX XXXX  near XXXX of that year into XXXX. I had a couple of XXXX XXXX happen and my business that I was working for at the time decided to fire me while I was on XXXXXXXX XXXX XXXX XXXX XXXX XXXX prior to my returning to work. They then proceeded to cancel my insurance that was covering these last month. One of the representatives contacted me and I explained to them the situation. He said he wouldnt contact me again for 90 days Except he continued to call 15 times since that initial call and when Ive asked him politely the first couple times to wait until I figure something out myself because nothing is going to change currently he said he would call again in 90 days that was last week now in that time Ive had 15 to 20 text phone calls and emails that Ive seen so far. When I call in again to try and talk to someone when I get laughed at by one representative who doesnt understand why Im upset and the other representative tells me oh thats not what I told you last week it doesnt matter the harassment needs to stop. I will take care of it when I can afford to take care of it but thanks to the political turmoil of the last eight years. I am unfortunately not able to take care of it currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have an issue with Ally Bank on my end it says the amount of XXXX was paid and they sent me a letter saying I have debt I can dispute I called in they said we dont see that on our end I sent them the picture they say they're not sure of what amount is I ask to dispute they dont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL UNAUTHORIZED HARD INQUIRES AND ACCOUNTS THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THESE HARD INQUIRES AND ACCOUNTS AND REQUESTED THIER REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE STRESS AND IS NEGATIVELY AFFECTING MY FINANCIAL 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 explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am writing to dispute an account reported by XXXX XXXX XXXX on my TransUnion credit report. As the Trustee of the trust associated with this account, I have no recollection of entering into any contract or agreement with this debt collector. 

I am demanding the immediate removal of this account from my credit report. XXXX XXXX XXXX has failed to provide essential documentation that would substantiate the validity of this debt. Specifically, they have not been able to provide any of the following : Copies of any contracts, agreements, or instruments related to the choice in action. 
Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the choice in activities, including court filings, judgments, and settlements. 
Correspondence and communications relating to the choice in action. 
Any other documents or records that would provide insights into the nature, ownership, or status of the action. 
Without proper documentation to substantiate this debt and prove the legitimacy of their claim, I am requesting that this account be removed from my credit report. The company 's failure to provide basic supporting documentation raises doubts about the validity of this debt and should lead to its removal. 

The account details are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Condition : Collection Date Opened : XX/XX/XXXX Account Balance : {$5700.00} Last Reported : XX/XX/XXXX Amount Past Due : {$0.00} Remarks : Dispute resolved; customer disagrees Responsibility : Individual 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 non-monetary relief
Consumer complaint received 2025-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  XXXX The Frame Series XXXX XXXX XXXX  from XXXX XXXX for {$870.00} using my Capital One credit card. When I received the product on XX/XX/XXXX, I discovered that it was missing essential components ( mounting hardware, main wire, and remote ), making it incomplete and unusable. 

I immediately attempted to return the item on XX/XX/XXXX, but was denied in-store and was directed to process the return online. On XX/XX/XXXX, XXXX XXXX acknowledged the issue, approved a return, and scheduled a UPS pickup. However, UPS never attempted the pickup, and despite multiple follow-ups, XXXX XXXX later canceled my return request and refused to issue a refund or provide the missing parts. 

Since XXXX XXXX failed to honor their return policy, I filed a dispute with Capital One on XX/XX/XXXX. However, Capital One mishandled my dispute from the start. The representative who processed my claim failed to accurately document the details I provided, leading to the dispute being misclassified as an unauthorized transaction rather than a merchandise dispute. Because of this, Capital One denied my dispute on the basis that the transaction was valid, which was never the issue in the first place. 

Why Capital Ones Handling Was Unfair : - Failure to properly classify my dispute The claim was misfiled, leading to an incorrect denial. 
- Lack of thorough investigation XXXX XXXX  own emails confirmed the missing parts and return approval, yet Capital One failed to review this evidence. 
- Ignored my communication I provided all necessary details, yet my claim was denied for the wrong reason. 
- Request to review call recording I request that Capital One listen to the original dispute call, which will confirm that I clearly communicated the issue and that their representative made the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
CASH APP FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO PREVENT AND ADDRESS FRAUD ON THEIR PLATFORM, LEAVING MY ACCOUNT VULNERABLE AND UNPROTECTED. FURTHERMORE, THEIR DISPUTE RESOLUTION PROCESS WAS UNFAIR AND DECEPTIVE, AS THEY DID NOT COMPLY WITH ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUNDS TRANSFER ACT ( XXXX ) AND REGULATION E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE BLATANT VIOLATION OF THE CONSUMER FINACIAL PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX  ) and XXXX XXXX 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 2025-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
I received a notification of a duplicate charge and realized money was taken from my account without my authorization on XX/XX/XXXX in the amount of {$200.00} from a Donation Shadow. I reached out to Cash app immediately requested another card from them as well as my banks connected to them and yet my claim was rejected shortly after without reason for resolving this matter. 
Upon further review of my account I also found that there were multiple unauthorized donations for this charity/donation website as I will list the dates and amount. 

XX/XX/XXXX {$10.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} In total, I am at a lost of {$350.00} and cash app does absolutely nothing about. They have allowed this company to slowly take from my account without prior authorization and no accountability for this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Account should be removed but still showing XXXX missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
XXXX has been calling and emailing me since XX/XX/XXXX concerning a debt on behalf of payment processing service company, XXXX XXXX XXXX, for the provider XXXX XXXX XXXX who has filed bankruptcy, broken contracts, offered customers services and guarantees that could not be met, and now owe readings to thousands of patients. 
I contacted XXXX XX/XX/XXXX after discovering they reported me to all credit bureaus for collections at stating that I owe {$2100.00}. I asked if there was a written VALIDATION LETTER sent to me because I have not received XXXX, instead only emails ( which is illegal ), as of XX/XX/XXXX, and they stated, No, they have only sent emails. So, I had to verbally request a written validation letter be sent to me so I can dispute the debt. They said that I should receive it in XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
Subject : Formal Dispute and Request for Removal of Late Payments XXXX XXXX Account Dear Equifax Dispute Department, I am writing to formally dispute the late payment notations on my XXXX XXXXXXXX XXXX XXXX account that are being reported on my Equifax credit report. The details of the disputed account are as follows : Creditor : XXXX XXXX Nature of Dispute : Inaccurate or unfairly reported late payments Under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and related federal laws, I am requesting that these late payments be removed from my credit file based on the following legal grounds : 1. FCRA ( 15 U.S.C. 1681 et seq. ) This law requires that all data reported to credit bureaus be accurate, fair, and verifiable. If XXXX XXXX can not provide verifiable proof that these late payments were reported in full compliance with federal law, they must be removed.

2. 15 U.S.C. 1666b ( Credit Billing Act Timing of Payments ) This law mandates that payments must be credited on the date they are received. If XXXX XXXX failed to properly process or credit my payments in a timely manner, the reported late payments may be inaccurate and must be corrected.

3. FCRA 1681s-2 ( a ) Duty of Furnishers This section places a responsibility on data furnishers ( XXXX XXXX ) to report only accurate information and correct any inaccuracies once notified. If these late payments resulted from an error or reporting failure, they must be removed. 

Request for Action : I am formally requesting that Equifax : 1. Conduct a full investigation into the reported late payments on my XXXX XXXX account. 

2. Obtain verification from XXXX XXXX proving the accuracy and legitimacy of these late payments. 

3. If the late payments can not be verified with legally sufficient documentation, remove them immediately from my credit report. 

Under the FCRA, Equifax has 30 days to complete this investigation and provide me with a written response. If these inaccurate late payments are not corrected or removed, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action if necessary. 

Please send me written confirmation of the results of your investigation at the address above. If any additional information is required from me, please contact me in writing. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief