vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my recent credit report, I noticed multiple inquiries from the following companies, which I do not recognize and have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I am requesting an immediate investigation into these inquiries. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report, and I ask that these inquiries be verified. If they can not be verified or proven to be authorized, I request that they be removed from my credit report. 

Please investigate and provide me with written results of your findings. I would appreciate your prompt attention to this matter and expect a response within the 30-day period allowed under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Complaint Type : Credit Reporting Subject : Violation of IRS Regulations & FCRA Improper Charge-Off Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations , the Fair Credit Reporting Act ( FCRA ), and consumer protection laws by improperly reporting charged-off accounts and alleged late payments on my credit report. 

XXXX. Improper Charge-Off Reporting According to IRS regulations ( IRS Form 1099-C, Cancellation of Debt ), when a creditor charges off an account and reports the cancellation of debt to the IRS, the amount is considered income for tax purposes. Once a debt is charged off and reported as a canceled debt, it can no longer be reported to the credit bureaus as an outstanding balance or active derogatory account. 

Despite this legal requirement, the following creditors continue to report charged-off accounts on my credit report, which is an illegal practice and constitutes double jeopardy in financial reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Improper Alleged Late Payment Reporting Additionally, under FCRA 15 U.S.C. 1681a ( d ) ( 1 ), creditors are prohibited from reporting " transactions and experiences '' directly with the consumer to credit bureaus. These accounts should not be reported as alleged late payments in violation of consumer protection laws. Despite this, the following creditors have improperly reported alleged late payments on my credit report : ADS Comenity NY & Co. 
ADS Comenity Victorias Secret Laws Violated : IRS Regulations ( IRS Form 1099-C & Tax Code ) Once a debt is canceled and reported as income to the IRS, it can not be simultaneously reported as a collectible debt on credit reports. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( d ) ( 1 ) Creditors can not report " transactions and experiences '' related to internal bookkeeping or charge-offs as active derogatory accounts. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits the reporting of inaccurate or misleading information to credit bureaus. 
Relief Sought : Immediate removal of the improperly reported charge-off accounts.

Immediate deletion of the alleged late payments. 
A formal investigation into the ongoing violations and unfair reporting practices. 
Compliance assurance from the creditors that they will follow IRS and FCRA laws regarding charge-offs and canceled debts. 
I request the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to enforce federal regulations and protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not verify my disputes it took them less than 24 hours to come back and say it was still on my report.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
They did not fix the problem.They were harassing me and still my credit was a same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reached out to this company multiple times asking if they can please provide me with accurate information validating the debt, which they did not provide, but the credit company is still verifying this debt as mine, which it is not I did not sign a contract with this company. I also asked if they can show me proof regarding this contract with the company and they can not provide it, and I noticed that you guys sued Experian and a couple of the credit agencies for not accurately investigating! I would like to inform you that they are inaccurately investigating items on my credit file! I made a dispute with them and XXXX to XXXX days later they say its verified!

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint against Blockchain regarding an unauthorized transaction that resulted in the loss of {$6800.00} from my wallet. Despite my efforts to seek assistance and resolution, Blockchain has failed to provide any support or mechanism to address this fraudulent activity. 

Incident Details : On XX/XX/year>, I deposited {$6800.00} into my Blockchain wallet via XXXX. 
On XX/XX/year>, at approximately XXXXXXXX XXXX the entire balance disappeared from my wallet through an unauthorised transaction. 
I did not initiate this transfer, nor did I authorize it in any way. 

Upon discovering the unauthorized transaction, I immediately contacted Blockchain to report the incident and informed them that I was the victim of a scam. I explained that the funds were expropriated without my consent and requested assistance in recovering the stolen amount.

Blockchains Response : Blockchain informed me that they lack a mechanism to reverse unauthorized transfers or recover lost funds. This response is deeply concerning, as it leaves users like myself vulnerable to financial fraud without recourse. Despite my clear communication of the fraudulent nature of this transaction, Blockchain declined to take any meaningful action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: IL

Complaint narrative:
I do not believe I owe this debt to XXXX XXXX. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them to report this to credit reporting agencies on my behalf. I would like this removed immediately not XXXX  days. Im also not sure if this debt was purchased illegally without my knowledge. If so I would love to see what company knowing gave my information to this company without my consent. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. Also if an account is allegedly in collections it can not be reported as open. There seems to be numerous violations here.

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 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
Hi, I consolidated my Federal student loans many years ago with Mohela and signed up for the graduated repayment plan. This plan is supposed to increase repayment every XXXX years in order to pay the loan off at the estimated time. I recently started to dig into my payments and I've notice they have not change for a LONG time and now it is saying that I wont repay them until XXXX!! I graduated college in XXXX. The payments have not increased over time and I am barely under my original principle amount. I have even looked into the repayment options and I do not see the graduated repayment as an option anymore so I feel like my loan has stopped being serviced quite some time ago. I feel like I have been paying interest only payments all these years when i should have had automatic increases and my principle should be much lower than it is now. Mohela really messed up here. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX. Failure to Conduct a Reasonable Investigation : TransUnion violated 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
XXXX. Failure to Provide Details of Investigation : TransUnion failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
XXXX. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : Bank of XXXX XXXX XXXX Bank and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
XXXX. XXXX  XXXX XXXX and XXXX Bank failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity. Furthermore, reporting debt that XXXX XXXX XXXX and XXXX Bank must be reported as income by me with a 1099-C from these banks if in fact the accounts are charged off. This is how both banks are reporting to TransUnion yet I have received no documentation as I have requested multiple times showing the accounting ledgers for these accounts and all accounts maintained by these banks using my social security number. Income is not permitted to be reported on a consumer credit report. Both of these accounts were settled years ago, yet both banks continue to report to TransUnion without my express written permission from anyone and the information is inaccurate in every way : Account balance and dates are incorrect and must be immediately removed as these accounts are being reported inaccurately and no-one is providing the required by law proof and my agreement to justify reporting of these accounts at all.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
CLUE is improperly reporting a car accident with me being " At Fault '' when the car accident was clearly settled that the other party was the ones. The insurances, highway patrols and attorneys have all documented this. CLUE reporting this is causing me to pay extremely high car insurance prices and making things financially very difficult. They did not properly investigate and I am now going to be seeking legal counsel if this is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( Experian, XXXX & XXXX XXXX credit report and noticed some late payments posted on my credit report. 
Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES. 
( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer report to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee. 
XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity fraud XXXX. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations XXXX. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-28 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: NJ

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX Balance Owed XXXX {$620.00} XXXXXXXX XXXX  ( Original Creditor XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX  NA XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX Balance Owed XXXX {$620.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
Complaint to CFPB Regarding Equifaxs Failure to Properly Investigate Disputes To Whom It May Concern, I am filing this complaint against XXXX for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my multiple submissions of disputes, including supporting documentation, XXXX consistently responds within XXXX hours, claiming that the disputed accounts are accurate without providing any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes submitted by consumers. The rapid response timeframe, coupled with the lack of detailed findings or supporting evidence, demonstrates that XXXX is not conducting a substantive or meaningful review of the disputes. 

Furthermore, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceedings have highlighted the importance of adhering to the requirements set forth under these consumer protection laws. 

The following accounts are at issue in my disputes : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ] I am requesting the XXXX assistance to : XXXX. Ensure XXXX reinvestigates these disputes in compliance with the FCRA and XXXX. 
XXXX. Hold XXXX accountable for failing to perform reasonable investigations and for any potential violations of federal law. 
XXXX. Require XXXX to provide detailed findings of its investigations and make the necessary corrections to my credit report. 

XXXX failure to comply with these legal obligations has caused me unnecessary stress and potential harm to my credit standing. I request your prompt attention to this matter to protect my rights as a consumer. 

Thank you for addressing this issue.

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 2025-01-28 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: MI

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