vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request and Cease & Desist Notice Dear XXXX XXXX, I am formally requesting validation of the alleged debt associated with Account # ending in XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statements alone are not sufficient evidence of a debt. As established in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a mere statement does not satisfy the burden of proof. 

Since you are the original creditor, I request that you provide the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
A detailed accounting of the debt, including all charges, interest, and payments made. 
Proof that the debt is valid and remains collectible under applicable laws. 
Additionally, I am invoking my rights under the FDCPA and formally demanding that you cease and desist from all communication with me regarding this matter. This includes, but is not limited to, phone calls, emails, letters, or any other form of communication. 

Furthermore, this cease and desist request extends to any communication through consumer reporting agencies. As such, you must remove any entries related to this debt from all consumer reporting agencies immediately. 

If you fail to comply with this request, I will have no choice but to pursue legal action against you to enforce my rights under federal law. 

Please confirm in writing that you have received this request and that you will comply. 

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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I was forced to make a {$250.00} payment to XXXX XXXX XXXX XXXX XXXX under duress because they refused to release my pet until payment was made. This charge was processed through Cash App as a PIN debit transaction, but I did not authorize it voluntarily. 

What Happened : My mother took our injured pet to XXXX XXXX XXXX XXXX XXXX for emergency care. 
The hospital never disclosed any costs upfront, which is required under Texas Occupations Code 801.357 ( a ).

When my mother tried to take our pet back, the hospital refused to release the animal until payment was made, effectively holding our pet hostage in violation of Texas consumer protection laws. 
Under distress, I entered my PIN to pay, but this was not a voluntary authorizationit was a coerced payment. 

Dispute with Cash App : I filed a dispute with Cash App on XX/XX/year>, under " goods/services not received. '' The dispute was denied on XX/XX/year>, without any clear explanation or documentation proving that the charge was valid. 
Under Regulation E ( 12 CFR 1005.11 ( d ) ), Cash App is legally required to provide a detailed explanation and any evidence they used to determine the charge was authorized. They failed to do so. 

Why This is a Problem : This charge was made under duress, meaning it does not meet the legal standard for authorization under the Electronic Fund Transfer Act ( EFTA ).

Cash App did not properly investigate the dispute and failed to provide documentation as required by federal law. 
By denying my dispute without a valid explanation, Cash App is violating consumer protection laws regarding unauthorized transactions. 

What I Want : I am requesting that the CFPB investigate Cash App for failing to comply with Regulation E dispute resolution requirements and that this transaction be reversed as an unauthorized charge. Additionally, I request that Cash App provide the documentation they relied on to deny my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
This XXXX school loan keeps getting passed through too many servicing companies. Now XXXX has my school loans from XXXX and they refuse to update my experian account. It was XXXX approved paid in full on XX/XX/year>. 
Im tired of calling them and experian. Neither one of these entities are updating over XXXX of school loans off my credit report. Its affecting my debt ratio and they both are responsible for my low score and getting denials for new credit. This is absolutely indicative to my ongoing hardship. 
I have sent the official letter to experian. 
I dont understand the negligence. I will attach it again on this website.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This XXXX school loan keeps getting passed through too many servicing companies. Now XXXX has my school loans from nelnet and they refuse to update my XXXX  account. It was XXXX approved paid in full on XX/XX/year>. 
XXXX tired of calling them and experian. Neither XXXX of these entities are updating over XXXX of school loans off my credit report. Its affecting my debt ratio and they both are responsible for my low score and getting denials for new credit. This is absolutely indicative to my ongoing hardship. 
I have sent the official letter to XXXX. 
I dont understand the negligence. I will attach it again on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I sent XXXX in XXXX to my own Coinbase account on XX/XX/year>. The transaction was received ( shows in my Coinbase transactions ) and also shows as confirmed in their XXXX XXXX. The transaction continues to show as pending and my funds have not been released. I have contacted Coinbase customer support several times and have received the same response for over a week- we are looking into it, we have escalated it, be patient. No reason given for the delay. I am still able to transact on the platform and two other transactions from the same day and block were received with no issue. Today ( 9 days later ) they are saying the delay is due to a server issue. Again, there was no notification on their part about any kind of server issue and when I asked for a link to any communications about said server issue, the customer service agent stopped responding. I also asked about closing my account and what would happen with the pending funds if did close my account. The agent replied that the transaction would not complete and would remain in the originating wallet. This is untrue as the funds are no longer in the originating wallet which I confirmed with the sending entity. They confirmed that the funds went to Coinbase within 18 minutes of me sending. They also confirmed that there was no issue with the transaction from their end. It seems like Coinbase is trying to keep my funds. I have supplied screenshots of the transaction information which shows confirmed on their site. The successful transfer from the originating wallet

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-19 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: AL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-19 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: FL

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

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 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 2025-02-19 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: CA

Complaint narrative:
I demand proof you contacted the FTC to verify these affidavits and the name and address of the persons contacted to validate the accounts. The method of investigation used, as required under FCRA 611 15 U.S.C 16811, or delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I demand proof you contacted the FTC to verify these affidavits and the name and address of the persons contacted to validate the accounts. The method of investigation used, as required under FCRA 611 15 U.S.C 16811, or delete the account.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-02-20 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: CA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Everytime I try to pay the credit card on time they don't take it out and another thing something is charging me XXXX and I do know what it is I don't have anything I have to pay so I need to know what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-02-19 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-02-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XXXX XXXX I disupted the following items on all 3 of my consumer credit reports through Experian, Equifax & Transunion. The results came back and for 2 of the 3 disputes ( both XXXX XXXX XXXX ) the reasoning stated : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' The third dispute ( XXXX XXXX XXXX ) reason stated : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' There was absolutely no investigation into my disputes. they just took the words of the debt collectors whoim are known to lie so they don't lose money. My disputes were valid and I gave proof of AZ statute of limitations being past. Also, XXXX XXXX XXXX update the " Date Opened '' dates for some reason and made them newer which means these items will not come off my report for additonal more years than originally stated by the credit bureau. 

This is unacceptable and shady. I want an investigation into my disputes and these items removed from my reports ASAP. 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} Date Opened : XX/XX/XXXX Why did the date opened change? 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX {$2900.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XXXX XXXX I disupted the following items on all 3 of my consumer credit reports through Experian, Equifax & Transunion. The results came back and for 2 of the 3 disputes ( both XXXX XXXX XXXX ) the reasoning stated : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details '' The third dispute ( XXXX XXXX XXXX ) reason stated : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' There was absolutely no investigation into my disputes. they just took the words of the debt collectors whoim are known to lie so they don't lose money. My disputes were valid and I gave proof of AZ statute of limitations being past. Also, XXXX XXXX XXXX update the " Date Opened '' dates for some reason and made them newer which means these items will not come off my report for additonal more years than originally stated by the credit bureau. 

This is unacceptable and shady. I want an investigation into my disputes and these items removed from my reports ASAP. 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} Date Opened : XX/XX/XXXX Why did the date opened change? 

XXXX XXXX XXXX Original Creditor : XXXX {$3000.00} {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX {$2900.00} Date Opened : XX/XX/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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief