vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These Accounts And Inquiries are incorrect, since i do not recognize them, please investigate them and delete them Account : Child Support Enforcem Account number : XXXX Date opened : XX/XX/year> Balance : {$5100.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized Hard Inquiries Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on my credit report in violation oXXXX XXXX XXXX XXXX XXXX XXXXnd XXXX XXXXXXXX XXXX XXXX  under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : [ XXXX ] XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX OF XXXX XXXX Date XXXX XXXX : [ XX/XX/XXXX ] XXXX XXXX XXXX XXXXXXXX Date of Inquiry XXXX [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX ACCEPTANCE Date of Inquiry : [ XX/XX/XXXX ] XXXX Date of Inquiry : [ XX/XX/XXXX ] According to XXXXXXXX XXXX XXXX  XXXX, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA. 

Additionally, per XXXX XXXX XXXX XXXX, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees. 

Sincerely, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 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 — Credit inquiries on your report that you don't recognize
Company: Clayton Holdings LLC
State: NY

Complaint narrative:
Dear XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XX/XX/year>, and XX/XX/year> To my knowledge I have not signed any documents authorizing your organization to review my credit report history, therefore your inquiry into my credit report, I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app is leaking my information to other sites I keep getting bogus offers

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts listed : XXXX, XXXX I just want those accounts removed. I have been disputing frequently.

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 or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CL Holdings LLC
State: IL

Complaint narrative:
This account was removed from my account on XX/XX/year>. The creditor keeps sending it to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Mid-Atlantic Finance Amount : XXXX The creditor 's fail to accurately reflect multiple payments made by me. It's to my knowledge that the creditor failed to furnish me with a statement prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed. 
I reached out to the consumer and made them aware of my identity theft, but the creditor took no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I reached out Credit Karma after trying to access my account in which I had just accessed earlier on the same day XX/XX/year>. The agents were not helpful and simply stated that the department I needed only communicates via email, however no information on how to email them was provided. Ive never received any documents advising account would be deactivated or requesting information. I just had my refund advance of {$4000.00} deposited into my account and Ive never been in the negative. They failed to provide to me how I can retrieve my funds and if a check would be mailed to me. They basically left me blindsided and failed to provide exceptional customer service or even help the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: USA Credit Solutions, Inc
State: NY

Complaint narrative:
I received a mail XXXX version of advertisement from a company offering debt settlement services. I did not request to receive such advertisements. The advertisement mainly promoted " saving you money immediately '' and " reducing high interest rates. '' I do not want to receive these types of advertisements, and I do not want this company to use my personal information to send these advertisements.

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: GA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported XXXX XXXX correct. 

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be XXXX  % accurate! 

In the FCRA I read that everything has to bXXXX XXXX XXXX  accurate on my credit file under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis data on my credit is a clear violation of not reporting XXXX XXXX  accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX Chase Back in 2020, I had a fraudulent zelle payment on my account that I disputed. At the time, I dont think you could dispute with XXXX directly. So I explained everything and disputed it with Chase, who I was banking with at the time. They then decided that it was not fraudulent and there was nothing I could do about it. I am very weary of using XXXX  and XXXX XXXXo this day because there has been no way of getting a refund ever even if the transaction is fraudulent.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX overcharged me all these fees I got a car for {$300.00} and they charge me $ {$680.00} in fee and it dropped my credit score and with Experian the last like four years I disputed things that I know XXXX  paid for and nothing goes off my record. I believe they fight disputes. I feel like they ignore them and sadly and financial crisis since.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Management Holdings, LLC
State: OK

Complaint narrative:
CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX is reporting 2 invalid medical debts as collections on my XXXX credit report. I have filed a dispute with XXXX and I'm awaiting and answer. This company knows that these debt are invalid yet posts them to my credit report anyway. Please have this company remove these items from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: DE

Complaint narrative:
Date opened : XX/XX/year>2024 Original Balance {$760.00} Current Balance {$750.00} Original Creditor XXXX XXXX XXXX XXXX : National Recovery Agency They are not Licensed to do business in Delaware

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Sender enacted a chargeback for a Paypal transaction from another party to my account. The funds were not taken out of his account and was taken out of my Paypal in the amount of {$6000.00} on XX/XX/year>. 

Resolved issue outside of Paypal between myself and sender and sender initiated a chargeback reversal with his XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX support said they have dispersed funds back to Paypal since XX/XX/year> and sender even notified Paypal that they are not longer disputing the case. 

All support sent to Paypal support and still have not received an update or resolution ( 76 days ). 

Paypal in the process of sending the balance to collections. Unfair and scam-like tactics used by Paypal. They have {$6000.00} from XXXX XXXX and are claiming that I still owe {$6000.00} and sold that balance to a collections agency. Deceitful and unprofessional.

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 — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX woke up to a string of emails from Wells Fargo saying your account has been successfully closed and your money transferred. 
We did not carry out this action so XXXX XXXX called the bank and was told that we transferred the money to another person the day before in person at a branch in XXXX. We currently live in XXXX XXXX for my job and on the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  arrived in Hawaii for a vacation so this clearly was not us. 
Wells Fargo did not seem to think this was an urgent matter as we still do not have our money back nor have we been contacted in any form by the bank themselves. 
XXXX XXXX  called again this week I believe on the XXXX and we were informed that a woman went into the bank branch and stated she was XXXX XXXX XXXX  ( we do t have a daughter ) and they allowed this woman to pull out someone life savings and close our account. 
Not only did Wells Fargo not follow their own processes and procedures, they have not been in contact with me the primary account holder who has been a member for 30 years. They show no signs of regret or responsibility for the actions that led to us to not have a dime to live off of for the past 2 weeks. Its criminal not only on this woman but also on the bank itself.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$240.00}, XXXXXXXX XXXX {$100.00}, XXXX XXXX XXXX {$5300.00}, RADIUS GLOBAL SOLUTIONS XXXX$350.00}, XXXX XXXXXXXX XXXX {$1800.00} XXXX INFORMED CREDIT BUREAUS OF IDENTITY THEFT VIA PHONE AND REQUESTED THE CONTRACTUAL OBLIGATION TO THESE ACCOUNTS TO VERIFY MY SIGNATURE. I ALSO DISPUTED THESE ACCOUNTS WITH XXXX AND XXXX MULTIPLE TIMES AFTER MULTIPLE DENIALS.

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 — Information belongs to someone else
Company: Westlake Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND WESTLAKE PORTFOLIO {$1800.00} I INFORMED CREDIT BUREAUS OF IDENTITY THEFT VIA PHONE AND REQUESTED THE CONTRACTUAL OBLIGATION TO THESE ACCOUNTS TO VERIFY MY SIGNATURE. I ALSO DISPUTED THESE ACCOUNTS WITH XXXX AND XXXX MULTIPLE TIMES AFTER MULTIPLE DENIALS.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXX is unlawfully reporting a charge-off on my credit report, even though they no longer own the account. 
I contacted XXXX XXXX, and they confirmed that the account was transferred to XXXX XXXX. Under 15 U.S.C. 1681s-2 ( a ) ( FCRA ), furnishers are required to report only accurate and complete information. Since XXXX  XXXX no longer owns this account, they have no legal right to continue reporting it. 
Furthermore, XXXX XXXX is violating : XXXX5 U.S.C. 1681i ( Fair Credit Reporting Act ) If an account can not be verified, it must be deleted.

15 U.S.C. 1666b ( Truth in Lending Act ) Negative information can not be reported while a dispute is active.

15 U.S.C. 1692e ( FDCPA ) XXXX XXXXXXXX is misrepresenting the account status, making it appear as if they still own the debt. 
1099-C Cancellation of Debt If this debt was canceled or transferred, it should no longer be reported as delinquent.

Equifax is also in violation of the FCRA by failing to conduct a proper reinvestigation. Under 15 U.S.C. 1681i, Equifax is required to verify the accuracy of information. Since XXXX XXXX  no longer owns this debt, Equifax must delete it immediately. 
I am requesting that the CFPB investigate this matter and require XXXX XXXXXXXX XXXX to delete this account from my Equifax credit report.

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 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 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