vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 2025-01-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX  acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, CHAPTER XXXX BANKRUPTCY XXXX ref # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, FB & XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, CHAPTER XXXX BANKRUPTCY XXXX ref # 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 2025-01-25 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I truly believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. 


I do not owe this company they keep harassing me daily and I have disputed this off my credit report multiple times. I do not owe a debt to XXXX XXXX Here is the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I am victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/year> showed late XXXX and it wasnt. They sent a printout ahow8ng the date was within the 30 days but still placed ir past the date. States that they can not correct the information with the bureau it is not their policy.

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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I've reached out several times to this company via certified mail, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. I've asked for specific proof of this debt and nothing has happened. I've asked for this company to remove this account from my credit profile since proof hasn't been provided and can't be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was contacted by the number XXXX and it was identified as Chase. I answered it and the person told me me someone had opened a checking account in my name and was trying to send two payments to " XXXX XXXX '' in the amount of {$2000.00} and {$3000.00}. They gave me their name- XXXX XXXX and an id badge number XXXX and a fraud case number of XXXX. They then instructed me to sign into my account and through XXXX cancel these payments out using the case number and the to use XXXX XXXX for the name. When I pressed for more information because something didn't't seem right XXXX XXXX XXXX XXXX XXXX XXXX and hung up. I wanted to report them because they are impersonating Chase Bank and may have been able to gain access to other people 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AL

Complaint narrative:
Ask for validation and was not sent no information. The debt has different amount and when reported it keeps going up. Keep calling and calling on Sundays even at night after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a 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 2025-01-25 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:
Dispute Of Inaccurate Collection Amount - FCRA 15 U.S.C & 1681 I am writing to dispute the accuracy of the following collection accounts on my credit report XXXX. XXXX XXXX XXXX for amount of {$2000.00} opened on date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX for the amount of {$220.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX for the amount of {$91.00} XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX for the amount of {$540.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX for the amount of {$370.00} opened on XX/XX/XXXX I am not liable for these debts. I do not have contract with any of these companies. They did not provide me with the original contract with my wet signature and ID verification. 

15 U.S.C 1681c - Requirements relating to information contained in consumer reports.

Under 1692e - False or misleading representations Under 1681q - Obtaining information under false pretenses Under 1681a ( m ) - exclusions ( collection accounts ) Under 1681n - Civil liability for willful noncompliance Under 1692g - Validation Of Debts Provide proof of these alleged items, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from my credit report as soon as possible.

Reason for dispute : The debt does not belong to me or is charged off.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C {$1600.00} ( a ), you are required to conduct a reasonable re-investigation of disputed information. Additionally, furnishers must provide sufficient documentation to verify the validity of the debt ( 15 U.S.C $ 1681s-2 ( b ) ) If this debt can not be validated with proper documentation, it must be removed from my report immediately ( 15 U.S.C $ 1681i ( a ) ( 5 ) ) Thank you for your prompt attention. 

Sincerly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: SD

Complaint narrative:
XXXX, equifax, XXXX all shared my personal information without my consent. They sided with wrongful debt collectors, when i disputed the accuracy of my reports. I have no FFA agreements with either group, and I have been personally harmed because of these false reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SD

Complaint narrative:
XXXX, XXXX, experien all shared my personal information without my consent. They sided with wrongful debt collectors, when i disputed the accuracy of my reports. I have no FFA agreements with either group, and I have been personally harmed because of these false reportings.

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 2025-01-25 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: KY

Complaint narrative:
Re : Request for Removal of Charge-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charge-off account from my credit report. As outlined by the IRS, a charge-off is considered a certificate of indebtedness, which means it is treated as income and must be removed from consumer reports. The reporting of charge-off accounts is prohibited, as income is not to be included on a consumer report under the Fair Credit Reporting Act ( FCRA ). 
According to the IRS guidelines, charge-offs are considered income, and it is clear that the reporting of this account violates the provisions of the FCRA. Given that income is not to be reported on consumer credit reports, I respectfully request that this charge-off account be removed from my report. 
I kindly ask for your prompt attention to this matter and the removal of this inaccurate information from my credit file. 
Thank you for your cooperation. I look forward to your timely response and confirmation that this charge-off account has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, 2019

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 2025-01-25 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH ACCOUNTS NOT ACCURATE. XXXX. XXXX XXXX ALL LATE PAYMENTS ARE INACCURATE!!! XXXX. ALL HARD INQUIRIES NOT REPRESENTING POSITIVE ACCOUNT REMOVED IMMEDIATELY!!!!!! Removal of all charge offs/collections accounts all inquiries not related to positive accounts and all late payments and all negative reporting closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordingly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

XXXX XXXX : ACCOUNT XXXX XXXX REPORTING WRONG INFORMATION LAST UPDATE XX/XX/year> : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!! ( XXXX ) XXXX XXXX ACCOUNT : XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXXOTH ACCOUNTS PAID IN FULL STILL REPORTING AS ACTIVE NOT PAID IN FULL AND CLOSED!!!!!!!!! 

XXXX DROPPED MY SCORE BY XXXX PIONTS AFTER PAYING OFF LOANS IN FULL FOR {$3500.00} DOLLARS!!!!!!!!!!. 

EQUIFAX DROPPED MY SCORE XXXX POINTS FOR PAYING OFF LOANS IN FULL XXXX XXXX!!!. 

IS XXXX NEXT?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH ACCOUNTS NOT ACCURATE. XXXX. XXXX XXXX ALL LATE PAYMENTS ARE INACCURATE!!! XXXX. ALL HARD INQUIRIES NOT REPRESENTING POSITIVE ACCOUNT REMOVED IMMEDIATELY!!!!!! Removal of all charge offs/collections accounts all inquiries not related to positive accounts and all late payments and all negative reporting closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordingly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

XXXX XXXX : ACCOUNT XXXX XXXX REPORTING WRONG INFORMATION LAST UPDATE XX/XX/year> : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!! ( XXXX ) XXXX XXXX ACCOUNT : XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX  BOTH ACCOUNTS PAID IN FULL STILL REPORTING AS ACTIVE NOT PAID IN FULL AND CLOSED!!!!!!!!! 

XXXX DROPPED MY SCORE BY XXXX PIONTS AFTER PAYING OFF LOANS IN FULL FOR {$3500.00} DOLLARS!!!!!!!!!!. 

XXXX DROPPED MY SCORE XXXX POINTS FOR PAYING OFF LOANS IN FULL XXXX XXXX!!!. 

IS EXPERIAN NEXT?

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 2025-01-25 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have disputed several inaccurate items on my report and have been denied removal, without any evidence paperwork.

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 2025-01-25 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: VA

Complaint narrative:
I have disputed several inaccurate items on my report and have been denied removal, without any evidence paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I tried applying for an apartment and they checked my credit and I was denied they told me to check my credit because it came back as me having a charge off. I checked my credit and seen that I had a Target Credit Card on my credit report that I did not get myself so I am reporting fraud for this card because I did not request to get this card and it is on my credit report. I believe its been on my credit for XXXX years already, it looks like it was closed in XXXX of the year 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX Account # : XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6900.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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