vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Deletion of XXXX Account from My Credit Report Dear Equifax , I am writing to formally dispute the XXXX  account appearing on my credit report. Despite previous disputes regarding this account, I was informed that thorough investigations were conducted. However, the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes raises significant concerns about the integrity of prior investigations. 

I want to make it explicitly clear that I have never opened an account with XXXX XXXX This account, which currently appears as closed on my credit report, is not valid. I am requesting that Equifax provide proof of its legitimacy, including original documents, agreements, or evidence linking me to this account. If this account can not be validated in accordance with the Fair Credit Reporting Act ( FCRA ), I demand its immediate deletion from my credit report. 

The continued reporting of inaccurate information on my credit report is harmful and unjust. I expect Equifax to address this matter with the utmost seriousness and conduct a comprehensive review. Additionally, I request written confirmation of the outcome of this dispute, including any changes made to my credit report. 

Thank you for your prompt attention to this matter. Please respond within the 30-day timeframe mandated by the FCRA. If you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX said my address is accurate which it is not I dont stay or never stayed at these two address in that state. I been in this state since XXXX Fraud I put a freeze on my credit while I get this removed and came back verified There is no way it did for another state oh no

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 2025-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
This started in XX/XX/year> when I went to the " XXXX XXXX XXXX '' and decided to do a XXXX. 
They gave me an estimate, I accepted, when I went to my visit, I paid my part up front, plus other minor balances that I have with this place. 
When they bill my insurance, they complete wrong the paperwork, so my insurance issues a letter asking for some questions to release the payment. Making the long story short. I called my insurance, gave them the information that they need to release the payment. This company I don't know why they bill again to my insurance. My insurance didn't paid the duplicated bill, but in fact they transferred the amount claimed ( in that opportunity ) to XXXX XXXX XXXX ( the name for the transfer, in that moment was XXXX XXXX XXXX ), it came now that they are asking for the payment under another name, but from the same place. 
I have been dealing with this matter since XX/XX/year>, this collection company Synergetic Communications Inc., called me, sent me letters, I provided all the same information that I am going to provide to you, including emails interchanged with them, where I sent proof of the service been paid. But they insist that their customer XXXX XXXX XXXX, continues saying that my insurance didn't pay. Also I provided the electronic check sent by my insurance ; but they continue saying that the payment never been made. 
In the other hand, my insurance also says that the payment never has been rejected. So this place ( XXXX XXXX XXXX ), RECEIVED THE PAYMENT. 
Today I spoke with an employee that she affirmed that this place is " very common '' that kind of practice to their customers ( send them to collections ), and when you try to challenge them, they denies been paid, and with the threat of ruin your credit, people pays no matter if they are right not owing. 
I have all the records the dates that I called, who I talked to, what they said. And also the emails that I sent to them. I am sending one of them when I asked to verify that the payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX has Failed to fulfill his 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 account 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 falling to adequately notify consumers of dispute outcomes These Failures align with my Experience where XXXX has neither corrected nor remove disputed items despite the evidence, I Provided causing ongoing harm to my credit Standing lam Requesting Immediate corrective action to Remove or Amend the disputed account as XXXX 's Inaction violation Federal Law and my Rights as.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 explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
XXXX has Failed to fulfill his 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 account 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 falling to adequately notify consumers of dispute outcomes These Failures align with my Experience where XXXX has neither corrected nor remove disputed items despite the evidence, I Provided causing ongoing harm to my credit Standing lam Requesting Immediate corrective action to Remove or Amend the disputed account as XXXX 's Inaction violation Federal Law and my Rights as.consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Elite Legal Practice PC
State: LA

Complaint narrative:
Details of the Complaint : 1. Summary of Interaction with ELP : Began working with ELP on XX/XX/XXXX. 
Strongly encouraged to stop paying accounts despite my expressed concerns about this method worsening my financial situation. 
ELP assured me this approach was effective and had worked for other clients. They also claimed they would represent me in court if sued and had successfully obtained punitive damages for clients in the past. 
2. Incident Timeline : XX/XX/XXXX : XXXX XXXX refused to speak to the third-party ( XXXX ) at XXXX PM. 
XX/XX/XXXX : Received citation and contacted ELP. I was advised to forward the citation to XXXX and completed the Power of Attorney ( POA ) on XX/XX/XXXX. 
XX/XX/XXXX : No follow-up from XXXX until this date despite my repeated concerns. 
XX/XX/XXXX : XXXX XXXX, an attorney, reached out regarding my case. 
XX/XX/XXXX : XXXX indicated conflicting information from XXXX XXXX representatives, namely XXXX and their attorneys, causing confusion. 
XX/XX/XXXX : Received notice of signing judgment related to XXXX XXXX. 
XX/XX/XXXX : XXXX from XXXX XXXX informed me they would move forward with garnishing my wages. 
3. Payment to ELP : I have been paying {$350.00} monthly for ELPs services.

4. Concerns with ELPs Service : Lack of proactive communication and follow-up by their representatives.

Failure to provide clear and consistent updates on legal proceedings.

Misrepresentation of their ability to handle my case effectively.

Inadequate legal support despite promises to handle court appearances and negotiations. 
5. Impact on My Finances : I have been left vulnerable to legal actions, including wage garnishment, due to ELPs inadequate guidance and unfulfilled promises. 
This situation has caused significant stress and fear about my financial future, as I am uncertain how to resolve these issues without proper support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
My wallet was stolen, and my cards are stolen out of my wallet charges were made on my card and when I submitted that to them, they told me that they were not going to help me. They said that they have no way of knowing that it was not me with that and I spoke to the person on the phone so I have two accounts with Cash App and neither one of them. I am able to access a debit card or unlock my card on my phone so my card is locked on my phone the moneys that were on my card in the beginning are gone, so I barely saw them use it. I still have an account to open. so I barely sell them use it. I still have a account to open, but I very sell to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hacking into computer networks and databases to steal large amounts of personal information or infiltrating organizations that store large amounts of valuable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
please check the information concerning the eqifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
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 2025-01-21 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: TX

Complaint narrative:
The issue is my late payments are being reported XXXX XXXX XXXX  by XXXX XXXX XXXX XXXX but Congress advises that this information is private since its considered to be transactions and experiences between me and you as the financial institution that issued the credit, which is stated in the Exclusions of 15 U.S. Code 1681a - Definitions ; rules of construction.

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 2025-01-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Didnt contact me to even run my credit and old items on there!

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 debt bondage, which falls under XXXX  according to Trafficking-Debt 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 of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX  XXXX  XXXX BALANCED {$970.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1000.00}

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Sir/Maam, I am filling a complaint against Cash App due to inadequate customer service and unfair practices which violates 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 and Regulation E. These actions have caused significant inconvenience, emotional and financial loss and I seek appropriate redress for this violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX University used predatory practices to get me to attend their school or XXXX XXXX and now I struggle to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees and charges that I incurred. Despite having sufficient funds when the transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair. I request an investigation on all my accounts and demand a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
Id does not match the id used to open up the account. The address used to open the account is not address found or used in my credit file.

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 2025-01-21 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: OK

Complaint narrative:
in accordance with the fair credit reporting act. the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account names are XXXX XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have rights 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Cease and Desist Collection Activities Account Number : # XXXX Dear JEFFERSON CAPITAL SYST, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies.

That legal action will be taken against me.

Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office.

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XX/XX/XXXXXXXX.

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