vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LNV says I owe them .such company has not supplied me with a FFA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I requested proof of purchase agreement, The ownership of debt transferred from the original credit and or debt collector to the debt buyer, I would like to see the FFA ( Foward Flow Agreement Under 15 USC 1692 G I am disputing this debt for the following reason 1. This account is not mine 2. I have no prior knowledge of this account 3 They have not provided enough proof to show that this debt belongs to me I request a copy of the original contract that includes the original information of the creditor with my signature, a bill is not a contract I have yet to be provided with that information so I am requesting this debt be removed from all 3 of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
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. ( File NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation Equifax dispute confirmation number XXXX Equifax dispute confirmation number XXXX Equifax dispute confirmation number XXXX Equifax dispute confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Apple Financing LLC
State: NC

Complaint narrative:
I dont know my credit score and and information and Apple XXXX application and Apple Pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding TransUnion Improper Deletion of a Closed Account in Good Standing To Whom It May Concern, I am submitting this complaint to request an investigation into XXXX  improper deletion of a closed account in good standing from my credit report. Specifically, TransUnion removed my XXXX XXXX credit card account, which was an essential component of my credit history. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete credit information. 
The deletion of this account undermines the accuracy and integrity of my credit report and negatively impacts my credit profile. As a closed account in good standing, this account should have remained on my credit report for up to 10 years from its closure date.The deletion year for this account is XXXX. TransUnion has failed to uphold its obligation to report accurate and complete information about my credit history. 
I am attaching screenshots and supporting documentation for your review. These include : A record of the deleted XXXX XXXX accounts removal. 
Correspondence with TransUnion requesting clarification and resolution and restoring my account. 
I request the following actions from your office : Conduct a thorough investigation into TransUnion handling of this matter, including their decision to delete this account. 
Determine whether this behavior is part of a broader pattern of failing to maintain accurate and complete credit information. 
Take steps to ensure TransUnion restores the deleted account to my credit report and complies with the FCRA moving forward. 
XXXX actions have caused significant frustration and concern. I trust that the Consumer Financial Protection Bureau will address this matter promptly to prevent further harm to myself and other consumers. 
Thank you

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 proce 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 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My credit card was due and was over the limit. It was late a few times. The billing cycle didn't close until XXXX XXXX. The due date for the amount was XX/XX/2025. I paid the full balance off on XX/XX/XXXX of XXXX I owed XXXX. I made the payment prior to the due date. 

When the billing cycle ended there was a XXXX balance, yet they charged me {$5.00} on interest on the account with a XXXX balance. They also reported it to the credit agency 's that I still have a balance on the account. When I called, the Macy 's call center on XX/XX/2025, I spoke to a customer service rep in the XXXX, XXXX, employee number XXXX. She stated in the beginning that she will remove it. When I voiced by concerns that stated that what they did wasn't fair and that I was going to contact the XXXX XXXX XXXX  she then stated that she couldn't remove the charge and gave me another number to call. 

The last four of my Macy 's account number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly 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 Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts in question : XXXX XXXX balance of {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

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 ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2 ( a ) Accounts in Question 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 XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 



Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 



Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 



Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement with indigo mastercard, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated.

As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. 

Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. 

Arbitration, as stipulated in the agreement, is not a trivial matter. The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. 
Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. 
Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. 
Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. 
As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices buy Navy Federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Auto Loan with account XXXX XXXX opened on XX/XX/year> and a balance of {$7500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I have asked several times for this XXXX old loan to be removed from my credit report at least 3 times in the last 3 years.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Auto Loan with account XXXX XXXX opened on XX/XX/year> and a balance of {$7500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I have asked several times for this XXXX old loan to be removed from my credit report at least 3 times in the last 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Auto Loan with account XXXX XXXX opened on XX/XX/year> and a balance of {$7500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I have asked several times for this XXXX old loan to be removed from my credit report at least 3 times in the last 3 years.

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
( 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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AP

Complaint narrative:
Multiple times throughout my XXXX banking with Navy Federal Credit Union I have been charged overdraft fees up to XXXX on one transaction. It's happened too many times to write the dates. I will gladly provide bank statements from the past XXXX to prove this if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submission, XXXX consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 u.s.c 1681i, Which mandates a reasonable dispute investigation. Furthermore, XXXX [ 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 u.s.c 55361 ( a ) ( 1 ) ( A ) - ( B ), as highland in the CFPB [ S recent administrative proceeding ( FILE NO XXXX ) against them for taking action to ensure XXXX complies with federal law and provides computers with the necessary proof of 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 2025-01-26 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submission, XXXX consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 u.s.c 1681i, Which mandates a reasonable dispute investigation. Furthermore, XXXX [ 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 u.s.c 55361 ( a ) ( 1 ) ( A ) - ( B ), as highland in the CFPB [ S recent administrative proceeding ( FILE NO XXXX ) against them for taking action to ensure XXXX complies with federal law and provides computers with the necessary proof of 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