vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX AM I was notified by my phone that there was a transaction from Cash App, which made my Cash App balance negative. I immediately looked at the transaction and did not recognize the merchant. XXXX the merchant and got too many answers to even figure out who to contact directly because I didnt make this transaction Immediately afterwards, I contacted Cash App and within a few hours I was denied by Cash App and the reason was I authorize the transaction which is completely untrue. Not only did I not authorize this transaction I do not know who the merchant is I I wasnt even awake when it was made. It wasnt made online or on the phone by me. I also explained to Cash App that they should be able to see that my card was not only locked, but it didnt even have enough funds in the account. I looked up what to do when your account is in negative balance with Cash app and why it happens and none of the reasons were applicable to me. I didnt authorize it. I did not tip anyone and there were any late charges with this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These collections agencies are communicating false information. I would like the communication to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Collection Co.
State: NE

Complaint narrative:
I never even received a bill and they take my trash bill out every month on time but didn't take this large dumper out of my checking and didn't send out a bill just sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
In XXXX, I borrowed {$3000.00} from CASHNET USA. I started paying, but then had financial hardship. My total balance owed is {$2500.00}. In XX/XX/year>, I was contacted by a collections agency called XXXX. I started paying them {$50.00} every two weeks so I could pay down my debt. A few months later I started receiving calls from CASHNET USA. So I got suspicious and started wondering why am I paying XXXX and CASHNET USA is calling me. I finally answered their call one day and the representative said they never sent my account to collections. I have been paying a collection agency that my account wasn't even sold to. This is fraud and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX. XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 5. XXXX XXXX Account Number : XXXX Please remove it from my credit report XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit 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 XXXXXXXX. XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S.

C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
This Debt/Loan Has Been In Default For Over 7 Years.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding a recent court proceeding in which my rights as a consumer were violated. The case involves XXXX XXXX XXXX, who sued me in court claiming to represent Discover Bank. 

During the proceeding, the presiding judge displayed a concerning lack of understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the rights it affords consumers. Specifically, when I informed him we had requested a debt validation letter, the judge asked what it was and appeared unfamiliar with this essential consumer protection under the FDCPA. 

Additionally, the judge 's ruling was based on an inadequate assessment of the case. When asked whether I had a credit card, I answered affirmatively. Without any further discussion or consideration of my rights under the FDCPA, the judge ruled in favor of the plaintiff. This cursory handling of the case ignored my right to have the debt validated and any potential defenses I may have had. 

I am deeply concerned that if this judge is overseeing similar cases without a proper understanding of consumer rights, many individuals may have their rights violated and face unjust judgments. It is imperative that judges handling debt collection cases are well-versed in the FDCPA to ensure fair and just proceedings. 

Given the seriousness of this matter, I urge you to investigate this case and take appropriate action to ensure that consumer rights are upheld in all debt collection proceedings. It is crucial that the judiciary is knowledgeable about the laws they are enforcing to prevent further injustices. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I tried to use gift cards with the XXXX website in order to make a purchase. Before the purchase I did e-mail the company and they responded that they would be more than happy to take XXXX gift card in order to split the order. However when I called them the next day, the customer representative told me they would not take my American Express gift cards. 

I have also tried to spend my XXXX gift cards on XXXX by trying to " reload '' a digital gift card, however XXXX will not take these gift cards as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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: NV

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information that remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). This account is inaccurate, and I initiated a dispute over 30 days ago, providing all necessary evidence to support my claim.

Under 15 U.S. Code 1681i, credit bureaus are required to conduct a timely reinvestigation of disputed items within 30 days of receiving the dispute. If the investigation can not verify the accuracy of the information, the FCRA mandates that the information must be corrected or deleted. 

To date, I have not received confirmation of resolution nor any evidence to verify the accuracy of this account. I kindly request the immediate removal of the disputed item from my credit report and a written confirmation of the correction. 

Failure to comply with this request will leave me with no choice but to escalate the matter further legal action.

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 2025-01-01 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: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates bought an old credit card debt and have called repeatedly, despite me telling them to cease and decist. They have ruined my credit with reporting a collections debt and they have sent threatening letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XX/XX/year> I received a correspondence from NFCU via US postal service. This letter was informing me I had a overdrafted savings account. I'm not sure how that is possible if I don't have access to my account. Either way I was trying to stay compliant. I tried making a external deposit. Im not able to because that option is restricted. I took that letter to the NFCU in XXXX, XXXX  branch to deposit the funds. I was told to give a form of ID. I supplied my state ID. I was told I needed to supply a second form of ID from this list that was printed out. One form on the list was a bank statement with my address. I supplied that. I was told " can I hold on I have to take this bank statement to my branch manager ''. After sitting for about XXXX mins. I was told that's not acceptable because it wasn't the last current bank statement. I asked why am I being ask for all of this proof of identity to make a deposit? Your Institution stated I have a debt that's due ; which I'm here to make a deposit. Now you're telling me I can't make the deposit with little to no explanation. I asked to speak to the branch manager. I sat there for a while with no help. I asked for the corporate information. I ws told " we don't really have a corporate office ; you can take this card and call the manager. I left the branch and call NFCU XXXX number from my app. I did receive an apology and my account was credited for that fee. Now when I log into the app it's telling me to call a XXXX number. The replies to my complaints from NFCU never make sense. They tell you to call an make a payment for a closed account. To my understanding I thought when your information is being sold to a credit buyer the consumer is suppose to be informed FDCP ACT 15 US code1692,1681 as well as you can't try to collect that debt anymore. Also a charged off account is reported to the IRS and paid. I never received a 1099 C from NFCU for any accounts charged off and sold. Now we are talking about fraud. It's time to report this fraud to the Federal Reserves as well as the IRS. It's already a pending federal case I have with NFCU. These institutions need to be accountable for their abuse of process, and fraudulent activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am in the Military, and I have an account with USAA. In XXXX I was trying to use my debit card but was blocked. The bank told me that was blocked because someone typed multiple times the 4-digit code. After that I saw a transaction for XXXX on my account that someone did it at XXXX XX/XX/XXXX. The USAA bank sent me another debit card that I never get it. And again, someone used the new card to take XXXX from my account. I call couple times the bank because the person that is using the card is using the XX/XX/XXXXXX/XX/XXXX. I decided to not put money on it until the issue get resolved. In XX/XX/XXXX the USAA bank decided that the transaction was not a fraud, and it is telling me that I have to put XXXX on my account. At this point I explained to them that I did not complete the transaction, and I should not lose my money just because they are not investigating enough. I am with USAA since 2012 and I requesting your assistance to resolve my situation.

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 monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, an unauthorized XXXX transaction of {$200.00} was deducted from my account and sent to an individual named XXXX XXXX. Despite my efforts to recover the funds directly from this individual, I was unsuccessful. Consequently, I contacted my bank, Santander, to report the fraud. 

Initially, XXXX assured me that they would investigate the matter. However, after ten days, I called for an update and was informed that the funds had indeed been debited from my account. I firmly believe that my account was hacked, as I did not authorize this transaction. 

The bank informed me that my claim had been closed. I expressed my dissatisfaction, pointing out that they had not conducted a thorough investigation, especially considering they hadn't contacted the receiving bank to attempt a fund reversal. I visited my local branch to file a complaint against the initial agent who handled my claim. During this visit, I was wrongfully accused of altering my story, which was not the case, as evidenced by the consistent details in the police report I filed regarding this transaction. 

My request is straightforward : I seek the return of the {$200.00} that was wrongfully taken from my account. 

Thank you for your attention to this matter

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaucomplaineds, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

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

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation