vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I requested to have erroneous names that were listed on my credit report on the Experian site removed through the CFPB. Experian did not remove it, instead they merged the wrong names as stated in the previous complaint. This action is illegal and I believe it to be unfair treatment to 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 2025-02-01 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: FL

Complaint narrative:
I am submitting this complaint against XXXX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 





Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute an inaccurate late payment reported on my credit report for the following account : I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using E Oscar Codes 1 and 2, and I request your assistance in ensuring this error is corrected. 

Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

List of Unauthorized Inquiries : XXXX AUTO - XXXX XXXX - XXXX XXXX - XXXX XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
Everything on my credit report is incorrect all accounts please remove. 
I have claims that have been open since last year. Please take off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
Refunds not dispersed XXXX XXXX Transfers never deposited since XXXX and never got any refunds or reimbursements for multiple transactions since the year XXXX. Money continues to disappear and despite my complaints and multiple times of trying to resolve issues. I never get a response or never get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute and request immediate action regarding Portfolio Recovery Associates continued and unlawful reporting of debt on my credit report. Despite my previous disputes and requests for validation, this collection agency continues to report and/or reinsert derogatory information on my credit file, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Nature of the Dispute : Unauthorized Reporting : The collection agency has continued to furnish negative information regarding [ Account Number or Reference ] without providing proper validation of the debt. 
Reinsertion of Previously Removed Items : If applicable, explain that the agency has reinserted items that were previously removed without providing the required notice to me as mandated under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 
Harassment and Unfair Practices : The collection agency has engaged in unfair collection practices, including repeated reporting of disputed debts and failure to cease collection efforts despite my formal dispute. 

Requested Action : 1. Cease and Desist : I demand that Portfolio recovery associates immediately cease all reporting of this debt to any credit reporting agencies ( XXXX, XXXX, and XXXX ) and stop all collection efforts. 
2. Investigation & Removal : I request that CFPB investigate this matter and instruct the collection agency to remove this disputed debt from my credit report unless they can provide adequate and legally required documentation proving the validity of the debt. 
3. Compliance with Federal Laws : Ensure that the collection agency is adhering to all applicable federal regulations, including FDCPA and FCRA, and take enforcement action if necessary. 

I have attached a previous letter from portfolio recovery associates stating that the account in question will be deleted from all credit bureaus and as of today they put the same collection account back on my credit report which is unlawful Failure to address this matter promptly may result in legal action against the collection agency for violations of my consumer rights. I expect a written response from CFPB acknowledging this complaint and detailing the steps being taken to resolve this issue. 

Please feel free to contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate late payments reporting on my Experian credit report, which have also been inaccurately reflected across all three major credit bureaus ( Experian, XXXX, and XXXX ). I have always made my payments in a timely manner, and these reported late payments are incorrect, violating my rights under federal consumer law. The following account is in direct violation of my rights : Account number ( XXXXXXXX XXXX  ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, consumer reporting agencies are required to ensure that all information on my consumer report is 100 % accurate, complete, and verifiable. Specifically, 15 U.S.C. 1681e ( b ) states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting inaccurate late payments when I have consistently paid on time is a direct violation of this provision. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( such as lenders and creditors ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. If the creditor has misreported my payment history, they are in violation of this statute and must correct the error immediately. 

I have already attempted to resolve this issue with the credit bureaus and the data furnisher, but they have failed to correct the inaccurate information. Because this false reporting negatively impacts my creditworthiness and financial opportunities, I am requesting the CFPB to investigate this matter promptly. 

To resolve this issue, I demand : 1. An immediate investigation into the inaccurate reporting of late payments on my consumer report. 
2. Removal or correction of the inaccurate late payments across all three credit bureaus. 
3. Confirmation in writing that the inaccurate information has been corrected or removed. 

I have attached copies of my credit reports, payment records, and previous dispute attempts for your review. Please let me know if any further information is needed to facilitate the investigation. I trust that the CFPB will take appropriate action to enforce my rights under the FCRA and ensure that the credit reporting agencies and furnishers comply with federal law. 

Thank you for your time and attention to this matter. I look forward to your prompt response.

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX {$280.00} company, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Vystar blocked my card for misuse and can not even explain why. This is all what happened. 

I recd a letter from Vystar dated XX/XX/XXXX, stating that I was in the negative for 30 days, mind you I have only been in the negative for less than 30 days from XX/XX/XXXX. But the letter stated I was in the negative for 30 days from XX/XX/XXXX. I thought this was an error, so I chatted with a representative online and told them what was going on, they told me that you are in the negative because once you paid the previous negative balance off, the same day you went in the negative again ( I use XXXX XXXX ). So, then I spoke with another representative, I was told that I have to keep my account in the positive for 30 days before I can use XXXX XXXX, I am like, I don't want to use XXXX  but I need it for now, and then from there I kept getting the run-around and then I spoke with another rep, and I was told my card was blocked and I can not use it for 6 months. If I had been told that I would need to wait a day before using XXXX  again, I would of done that. Also, how are you going to say I am still in the negative for 30 days from XX/XX/XXXX to XXXX XXXX ( By the way this makes no sense ) when I paid the balance off. And I used it again that same day on the XXXX. When I paid the previous negative bal off within 2 weeks, that should have reset everything, Not continuing from the last time I was in the negative, which was paid off. And on the letter I recd, it says I was 30 days past due with the balance that I am in the negative with now. That makes no sense. It has only been 9 days as of XX/XX/XXXX. They also stated that they could report my account to a consumer reporting agency because of 30 days in the negative. But they would be false because my account is not 30 days in the negative at all, and they would be reporting an amount that is not 30 days past due. I feel like I am being bullied from the last time I reported them from an error with there system and XXXX. 

I feel like there is a lot of confusion and wrong doing.

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 2025-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have multiple inquiries in the last few days I didnt make do hard inquiries in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have provided court documents that XXXX XXXX XXXX was informed to retract erase from my profile {$420.00} I have sent registered letter as well to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX GA XXXX which was returned BAD ADDRESS

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have provided court documents that XXXX XXXX XXXX was informed to retract erase from my profile {$420.00} I have sent registered letter as well to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX GA XXXX which was returned BAD ADDRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
Being charged overdraft fees without money in my account. Showing availability of money when it wasnt therefore causing more over draft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Improper reporting, reopening accts that's are refinanced and closed

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 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This collection Is showing on my credit report but does not belong to me. Columbia debt recovery I have disputed this account with all credit bureaus and also with the creditor. I have mailed letters to this collections agency as well as letters to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX  XXXX Update status on dates followed to current/paid as agreed or delete from consumer report immediately. 

Dates:XX/XX/24-XX/XX/24-XX/XX/24-/XX/XX/24 Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
1.JPMCB CARD
Important dates
Inquiry date
XX/XX/XXXX
Removal date
XX/XX/XXXX
Additional details
Business type
Bank Credit Cards
Contact info
Address
XXXX XXXX XXXX XXXX,DEXXXX
Phone number
XXXX XXXX
2.XXXX XXXX XXXX
Important dates
Inquiry date
XX/XX/XXXX
Removal date
XX/XX/XXXX
Additional details
Business type
Auto Financing Companies
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX,TXXXXX
Phone number
XXXX XXXX
3.XXXX XXXX XXXX
Important dates
Inquiry date
XX/XX/XXXX
Removal date
XX/XX/XXXX
Additional details
Business type
Auto Financing Companies
Contact info
Address
XXXX XXXX XXXX XXXX,TXXXXX
Phone number
XXXX XXXX

Company response to consumer: Closed with explanation