vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
To whom this may concern, I was calling and emailing fay servicing while being told the wrong information going back and forth with who is suppose to talk to me between Fay Servicing and XXXX XXXX. I have the emails asking to be told whats going on with my loan as I thought my extension was in process the person handling my files was fired so they didnt know what to tell me as I gave information requested they had the information in que not knowing it was sent in by me. I am asking for XXXX days to get this account sold as I have been left in the dark with no return phone calls or emails. Finally when I was given a XXXX days extension it was too late. As I thought it was already in process. They said I never sent in the forms requested but I did at leasXXXX XXXX  months before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 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: NJ

Complaint narrative:
This is my fourth formal request for the immediate removal of an inaccurate account listed on my credit report. Your failure to address this blatant error despite multiple notices is completely unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

THE ACCOUNT IN QUESTION IS : XXXX XXXX XXXX XXXX ACCOUNT : 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my fourth formal request for the immediate removal of an inaccurate account listed on my credit report. Your failure to address this blatant error despite multiple notices is completely unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

THE ACCOUNT IN QUESTION IS : XXXX XXXX XXXX XXXX ACCOUNT : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a FTC report back in XXXX about my fraudulent accounts and applications

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a FTC report back in XXXX about my fraudulent accounts and applications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Transunion 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. Despite providing clear documentation and evidence to support my dispute, Transunion neither removed nor corrected the account information. 

Transunion failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate Transunion ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
I was charged XXXX and I was paying {$100.00} a month. The original and only amount I owe is {$1800.00} I had gone to court with XXXX XXXX from Messerli and Kramer because they refused payment plans and the court ordered me to pay {$1800.00}. They owe me {$140.00} back for overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I can't make any purchases with my card. Plus, I was supposed to get a refund of about {$4000.00} from a merchant, but it still hasnt shown up in my credit card account. They keep locking my account without giving me any reason. 

Ive tried contacting them XXXX times over the past XXXX weeks, and all they say is to wait for a callbut I never get one. Im paying a {$490.00} annual fee for this card, and I cant believe how badly theyre treating me. This is so rude and unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Fax and email over the information they was asking for also tried calling to see if they got the information from but make claims they dont have it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
XXXX transferred credit card debt to Calvary Portfolio Services in XXXX. I notified Calvary Portfolio Services that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by XXXX . I notified Calvary of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Calvary that the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at XXXX XXXX XXXX XXXX XXXX advised me that the client " was known to be very aggressive '' even though I continued to state that the debt was not mine. Calvary took me to court - my repeated statement of the debt not being mine was not disclosed by Calvary or XXXX XXXX XXXX XXXX XXXX and they pursued the full amount. After unfairly paying over {$2000.00} over XXXX on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After 16 days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons. 
After submitting an offer to settle for the already paid amount, Calvary has yet to respond, and reported late payment to the credit agency although I continue tto try to contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I never added any fraud alerts to my account. Please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: International Computer Systems, Inc.
State: AR

Complaint narrative:
At XXXX pm on XXXX XXXX, I received a call from XXXX from a female that refused to tell me what company she was calling from. She was just repeating that it was an important business matter. I advised her she needed to tell me what company before I verified any personal information. At this time, she identified herself as XXXX from XXXX I verified my name, DOB and address. She then told me it was a debt for around {$220.00} ( I do not remember the exact amount ) owed to Radiology consultants from a service in XXXX. I asked her if medicaid paid and she said that medicaid had paid. I asked why it was sent to their collection agency if medicaid was still awaiting payment or denial. She advised me I needed to contact medicaid. I asked XXXX NUMEROUS times if and when this was going to report on my credit. She repeatedly told me " at this time it has not reported on your credit. '' I told her she had certain laws to go by that gave time frames as to when debts would report on credit and she again told me the same answer that at this time it had not reported on my credit. I asked for the original creditor information so I can contact them and she said she did not have that information to provide me. I asked her if she was new and she said no, I asked her if she knew the laws and she said yes. 
I placed XXXX on hold and 3way in my fianc who has worked over 20 years in medical collections. I gave permission for XXXX to discuss any and all information with him. I told her I wanted to have a witness as to her refusing to tell me if and when it would report on my credit. She again said the same response of at this time it has not reported on your credit. He said that it is law that nothing under {$500.00} goes on the credit and she said that was correct. He then said that it is law to give me the original creditor contact information upon request. She told us again that she did not have that information for me and would send the information in the mail as a dispute. I told her that I am requesting it now at this time and need that information now. She said it was Radiology Consultants and gave a phone number XXXX. I repeated that back to her and she confirmed. After researching, that is not the correct name or phone number for the company. 

Not until I involved someone who was familiar with the FDCPA laws was XXXX willing to acknowledge those laws herself. If I had not involved someone familiar with the FDCPA, I could have been misled and not known my rights. There were several breaches of the FDCPA while on this phone call with XXXX from XXXX at XXXX. It is illegal for debt collectors to use deceptive practices when collecting debts and by this company refusing to answer my direct questions when they knew the answers, this was deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding First Progress Account and Experian 's Reporting Practices Dear Sir/Madam, I am writing to formally submit a complaint regarding the handling of my First Progress Credit Card account by Experian. Despite the lawsuit against Experian for violations of the Fair Credit Reporting Act ( FCRA ), I have observed that they continue their detrimental practices concerning my credit report. 

My XXXX XXXX account has always been in immaculate condition, with no late payments. As per the regulations, this account should remain on my credit file for 7 to 10 years. However, I noticed that my account, which was marked as XXXX Late on XX/XX/XXXX, was deleted from my credit report on the same day. This deletion is not only unjustified but also erroneous, as it misrepresents my credit history. 

Experian 's failure to properly investigate my disputes and rectify the inaccuracies in my credit report is deeply concerning. It undermines the purpose of the FCRA and has a negative impact on my creditworthiness. 

I urge the CFPB to take action against Experian for these ongoing violations and to ensure that my credit report accurately reflects the status of my XXXX XXXX account. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely,

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 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXXXXXX XXXX XXXX XXXX  Block ACCOUNTS : ACEPTANCENOW - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXX SPRINT ) - XXXX ______________________________________________ INQURIES : XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXXXXXX A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODES FOR INQURIES - XXXX XXXX XXXX XXXX XXXX XXXX - CODES FOR CHARGE OFFS XXXX XXXX XXXX CODES FOR COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer reports, this agency is in violation XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under XXXX XXXX XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) FCRA XXXXXXXX XXXX XXXX XXXX Block ACCOUNTS : ACEPTANCENOW - Account number - XXXX ACCOUNT : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ______________________________________________ INQURIES : XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX NA - Inquiry date - XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  - Inquiry XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry date - XX/XX/XXXX XXXX XXXXXXXX XXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Section XXXX A. State I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX : It also states consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODES FOR INQURIES - XXXX XXXX XXXX XXXX XXXX XXXX - CODES FOR CHARGE OFFS XXXX XXXX XXXX CODES FOR COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CODE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer reports, this agency is in violation XXXX XXXX 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 2025-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request assistance regarding unauthorized or inaccurate credit inquiries that remain on my credit report despite my efforts to dispute them with the credit bureaus. 

I recently reviewed my credit report and identified unauthorized inquiries from CBNA on XX/XX/year>. I did not authorize these inquiries, and as a result, I disputed them directly with the credit reporting agencies ( XXXX, Equifax, and/or XXXX ) XXXX However, despite my dispute, the credit bureaus have failed to remove the inquiries from my report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request its removal if it can not be verified. Since these inquiries were not authorized and the credit bureaus have not taken action, I am now seeking CFPB intervention to ensure that XXXX removes these inquiries from my credit report. 

My information has been leaked from XXXX and Equifax and there have been several instances where my credit has been compromised due to their negligence.

Company response to consumer: Closed with explanation