vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Upon checking my credit report I found out that i have been a victim of identity theft due to the XXXX data breach i have the letter from them stating it has been affected .I found one collection account that dopesnt belong to upon further investigation I found out it was due to the breach and request for the information to be removed from my credit report timely as i am currently shopping for mortgage.

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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
1 XXXX XXXX XXXX Name : Caine Weiner Dear XXXX XXXX, lam writing in response to you reporting to XXXX - XX/XX/year> because I do not believe that I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section XXXX - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the XXXX XXXX. 
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with sectioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 
XXXX XXXX, XXXX

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

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 by 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complain agains 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 requirement 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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TrueAccord Corp.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
# XXXX and # XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

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: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am submitting this complaint regarding an unauthorized credit inquiry made by BMO Bank on XX/XX/2024. Despite my attempts to reach out to both XXXX and BMO Bank to address the issue, I have not received any meaningful response from either party. My concerns seem to be disregarded, and it feels as though no one is taking my case seriously.

As I do not have any open accounts with BMO Bank, and given that I reside in XXXX XXXXwhere BMO Bank has no physical presencethis inquiry is completely unauthorized. It is absurd that I would have an inquiry from a bank that does not operate in my state, where the availability of branches and customer support is a key factor. 

This situation is having a negative impact on my credit report, and I believe my rights are being violated. I am requesting immediate resolution and the removal of this unauthorized inquiry from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name :XX/XX/XXXX Account Number : XXXX Balance : {$2700.00} Reason : I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XX/XX/XXXX Account Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name :XX/XX/XXXXAccount Number : XXXX Balance : {$1000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

INQUIRIES : EQUIFAX : XX/XX/XXXX on XXXX/XXXX/2024 XXXX TX XXXX on XXXX/XXXX/2024 XX/XX/XXXX on XXXX/XXXX/2024 XX/XX/XXXXXX/XX/XXXXon XXXX/XXXX/2024 XX/XX/XXXX XXXX XXXX XXXX on XX/XX/year>2024 XX/XX/XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXX : XXXX XXXX on XXXX/XXXX/2024XX/XX/XXXXL on XXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXX on XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XX/XX/scrub>/2024 XXXX OF XXXX on XX/XX/year>2024 XXXX : XXXX on XX/XX/year>2024 XX/XX/XXXX on XX/XX/year>2024 XXXXXX/XX/XXXX on XXXX/XXXX/2024 XXXXXX/XX/XXXX on XX/XX/year>2024 These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.

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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted numerous disputes with Experian on things on my credit report that have either been on my credit report for 5+ years or things that had incorrect information and every time I submitted the dispute less than 24 hours later, they act like the dispute was validated and they left it on my credit report. I have the proof as far as emails.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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 XXXX of the Fair Credit Reporting Act.

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: 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: WA

Complaint narrative:
These Twos Credit Bullies Experian/Equifax like making my credit worse then it already is by updating and changing remarks on my credit reports. If Ive would have known this would happened, I wouldve left it alone on the disputes I did. These 2 Bureaus is committing fraud to the consumers by not acknowledging their disputes instead just turn their heads away and just Bullying them.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My checking/savings account with XXXX online banking has been restricted for over a month, since XXXX of XXXX. I can not access my money! 

On XX/XX/XXXX they told me I needed to fill out an identity verification process to unlock the account ( I have a screen shot of this ). After going through the process and verifying my identity they then told me it would have to go through a review process. They would not provide me with any information as to why or when this would be complete. I asked for a call back from upper management, they said okay, yet no one called me back. 

I have called them several times this month and each time they refuse to give me any information or connect me with upper management or call me back when requested. 

The second time I called ( XX/XX/XXXX ) they said they were " creating a new account '' and it would soon be accessible with my money. 

When this did not happen I called back ( XX/XX/XXXX ) and they said they were " closing '' my account and mailing me a check. No information as to why or when. 

When I called a 4th time ( XX/XX/XXXX ) it was the same thing. No information would be given and it was supposedly in the same process. " being reviewed, '' " account will be closed. '' I think they may have stolen my money?

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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
On XX/XX/year> I reached out for the payoff on my loan as well as an address to send a check to. As address was given to a XXXX XXXX XXXX XXXX. A check, with the payoff amount given was sent US Certified Mail with a tracking number that same day. On XX/XX/XXXX, the tracking information showed that someone had picked up the check from the Post Office. I was told by some customer service reps that they had the check, and others that they did not. I would need to wait XXXX weeks for it to be posted on the account. Two weeks came and went and on XX/XX/XXXX I was informed they had given me the wrong address and they needed to locate the check. All the while they wanted me to continue payments. I was told that this case would be escalated and I would be contacted in 3-5 business days. I was not. I was told that I should have the check cancelled and a new one sent at a higher amount. The new check was sent also US Certified mail with a tracking number on XX/XX/XXXX. On XX/XX/XXXX I received an email that the check was found, but it had already been cancelled per their recommendation. I am keeping an eye on the current tracking information as it says arriving but late.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT : DISCOVERBANK Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law XXXX XXXX XXXX XXXX XXXX Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

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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