vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Remitly, Inc.
State: CA

Complaint narrative:
Date : XXXX/2024,XXXX/24,XXXX/24,XXXX/24,XXXX/24XXXX/24,XXXX/24 Exact amount charged : {$4000.00}, {$4000.00}, {$4000.00}, {$2000.00}, {$2000.00}, {$1400.00}, {$1500.00}, {$1000.00} - Total ( {$19000.00} ) Customer Debit Card : XXXX Name of the bank institution : XXXX XXXX Send country : USA Sender - remitly XXXX ( XXXX ) XXXX Helpline number I tried to contact bank regarding this bank denied my claim and told me to contact remitly to get refund and I contacted remitly multiple times but I didnt receive any good response they just provide me reference number XXXX and whenever i called they just keep saying still investigating so please help me to get my money refund thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally request the unfreezing of my credit report. I recently placed a security freeze on my credit file, and I now require it to be lifted to proceed with financial transactions. Specifically, I am in the process of applying for an auto loan, and the lender needs access to my credit report to assess my eligibility and finalize the loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Midland Credit Management Dear XXXX XXXX Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from Midland Credit Management ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, yet the balance has remained {$1400.00} with no recorded payments or new activity. 
If no payments were made or missed beyond the initial charge-off date, continuously reporting new delinquencies each month is factually inaccurate and misleading. 
This misrepresentation of account status negatively impacts my credit score in violation of 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information about an accounts status.

Incorrect Account Terms & Reporting Duration ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account is listed with a " 1-month term, '' yet it continues to be reported as delinquent for over a year. 
If the account was charged off or placed in collections in early XXXX, new monthly delinquencies should not continue to be reported. 
12 CFR 1002.6 ( b ) ( 6 ) requires credit information to be reported accurately, including the correct duration and status of an account.

Failure to Properly Update Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, Midland Credit Management continues to report new collection activity as if payments were actively being missed. 
This violates 12 CFR 1002.10, which mandates that credit information be accurate and updated as necessary.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure credit information is accurately reported and updated. The erroneous delinquency reporting violates this rule. 
XXXX XXXX XXXX Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed. 
Sincerly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: NV

Complaint narrative:
went told by the mechanic to fix the truck they said 90 day no interest never said after that 90 day they would but it on a lease and add all 12 month automatically even if u pay it off the next month so they just add XXXX on that even if i pay it off account number XXXX i also told them to but the payment to make sure they would make to pay it off in 90 day with i noticed was not done my amount was XXXX and they but XXXX on lease even went is pay sooner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: VA

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 transaction are authorized, I was charged fees due to lagged posted of charges and credits. This issues aligns with the recent CFPB findings against navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these transactions were unfair and request a 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
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
Trying to get {$110.00} out of my account every month when that bank calls me and I'll always get a fraud alert because of this company and I told them I paid them off and on the app they haven't updated it it still says 2024

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violated the consumer financial protection act. Specifically ( cash app ) failed to take timely and effective measures to prevent and address fraud on their platform, which leaves my account vulnerable and unprotected. These things have caused significant loss and inconvenience, and did not comply with the ( efta ), electronic fund transfer act. 
I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates

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 2025-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Removal of Unverified Collection Account NCB Management Services Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to report a collection account reported by NCB Management Services on my credit report. The account in question reflects a balance of {$1600.00} opened on XX/XX/year> and appears on all three major credit bureaus ( XXXX, XXXX, and XXXX ). However, I have never conducted business with this entity, have not executed a contract with them, and they are not authorized to collect any debt on my behalf.

Pursuant to my rights under 15 U.S.C. 1692g, I previously requested that NCB Management Services provide proper validation of this debt, yet they have failed to verify its legitimacy. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide verification of the alleged debt upon request, and their failure to do so renders their reporting and collection attempts unlawful.

Additionally, per 15 U.S.C. 1692c ( c ), I have already contacted NCB Management Services to demand the removal of this invalid collection. As they have not been able to verify the alleged debt and continue to pursue unauthorized collection efforts, they are in direct violation of the law. Their continued reporting of this unverified account constitutes a violation of my consumer rights and causes undue harm to my credit profile. 
Given these violations, I am demanding the immediate removal of this collection account from all three credit bureaus. Failure to comply with my demand will result in further legal action, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking damages for willful noncompliance with federal law.

I request that the CFPB intervene and ensure that NCB Management Services ceases its unlawful collection activity and removes this fraudulent entry from my credit reports immediately. I have attached copies of previous communication and my formal dispute for reference. 
I expect a prompt resolution to this matter. Please confirm receipt of this dispute and provide an update regarding the steps taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experian inaction violates federal law and my rights as a consumer

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
I sent a certified mail along with notarize letter and my utility bill, id. The dispute letter was sent XX/XX/year>. I inform Experian that the information they are reporting on my credit report was inaccurate an incomplete. I sent them a copy of my credit report with hand written marks of the inaccurate and incomplete information. They did not mail me back the results of the investigation. The rep confirm they received my certified mail and documents. The accounts that i disputed are also still inaccurate and incomplete on my credit report. When I called and asked for a copy of my results of the investigation, the rep told me they no longer have my results and can not email or mail or tell me my results. He refuse to send me a copy of my results or correct the outdated and inaccurate information.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Please see prior complaint record XXXX as well. 
Once again, Experian has made it impossible to create an account in order to freeze/unfreeze my credit report. Tried to do so online with my computer, and Experian says ID can't be verified, so call XXXX to speak with an Experian representative. However, it's impossible to speak with a human at that number you enter your SSN and address information through a XXXX interface, and then you're told to complete the verification process through their phone app. You download and try that, and you're told the ID can't be verified to and to call you guessed it the same useless number noted above. 
I've decided that I'm not going to unfreeze my information with Experian I'll just have to hope the companies needing to check that can do so with the other two credit reporting agencies, since I don't trust Experian to do anything remotely accurately. This is truly a XXXX service that should be banned from the collection of anyone 's information.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
The service used for transfer was Paypal, in paypal I believe it was sent on XX/XX/year> for XXXXXXXX XXXX  to a XXXX XXXX at XXXX which converted into XXXX XXXX  at the time of sending. They and I made a contract for work in which I would pay them to make a piece of software for me, he never even started the task I hired him for and they refused to refund me too, there were countless times I asked for a visual update on the program and he never sent an update even once. I contacted my bank and they couldn't help, I contacted PayPal and they couldn't help since he had me use 'friends and family ' transaction to avoid fees. So neither of those options could help me get a refund and even now he doesn't have any sort of plans to refund me for the money. During our talking period he changed XXXX accounts ; but I attached a screenshot showing him telling me to contact the second one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am trying to purchase a property, and I noticed unauthorized inquiries on my credit report. Please remove all inquiries It affecting my credit scored can't purchase.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Here is the list of fraudulent inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation