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 — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I have had an ongoing issue with CREDIT ACCEPTANCE, long story short they sent me and the person that cosign for a repossession letter and then the next day they denied sending it, then they said that they sent it on accident yet the person I cosign for said that they did Repo the vehicle, and I had a tracker in the vehicle. It was tracked next to the auction yard, I found a police report, the bank refused to take the vehicle, it was released to the tow yard with the Banks permission, the tow yard got some type of a lien on the vehicle and they were able to get the title and the tow yard then turned around and sold the vehicle yet four years CREDIT ACCEPTANCE has been reporting on my credit and the person that cosign for that weve been behind on payments on this vehicle and that we owe them XXXX dollars and they say that theyre willing to settle the account for {$3200.00} yet they allowed this tow company to get the title for the vehicle and sell it and the tow company got full profit of the money. CREDIT ACCEPTANCE needs to remove this off of my CREDIT and the person I co-signed for XXXX XXXX XXXX XXXX. If CREDIT ACCEPTANCE wanted the money so bad for the vehicle, they should have demanded the money from the tow company instead of putting an accurate information on my credit report for the last couple years, if anything they should owe me money for plummeting my credit score for the last few years by an accurately reporting on my credit bureau, and I have also put in a few disputes on this account with supporting documentation, actually quite a few pieces of supporting documentation and it has remained on my credit because the bank is claiming that its verified. The credit bureau needs to be sued and this finance company needs to be sued along with they need to remove it off of my credit immediately Because again they sent me a repossession letter and then tried to switch up and say that they didnt repossess the car and when I tracked the vehicle, I made the police report because there was damage done to the vehicle and the bank refuse to want anything to do with the car and then they are allowed to tow company to get their own title on it and they allowed them to sell the vehicle so if they wanted the money so bad they should have not refuse the vehicle or they should have demanded that after the tow company sold the car that they give them money for it and CREDIT ACCEPTANCE chose not to do that. This should no longer be my problem and it should no longer be negatively affecting 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 2025-01-28 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: TX

Complaint narrative:
Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : Collections Credit Collection Account Number : XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Date Opened : XX/XX/XXXX Source XXXX XXXX 

Account Number : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$99.00} Date Opened : XX/XX/XXXX Additional Accounts from Experian Report XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$5500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX {$4800.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX Card Services Account Number : XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX I have attached supporting documentation to assist with your investigation. 

I request that Experian : Conduct a thorough investigation into these matters. 

Correct or delete the inaccurate information as appropriate. 

Provide me with a copy of the updated credit report reflecting these changes. 

Please note that FCRA requires you to resolve this dispute within XXXX days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved XXXXXXXX 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: 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/year>

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to request your assistance in resolving a dispute with Resurgent Capital Services / LVNV Funding LLC XXXX regarding a debt validation issue. Despite my multiple attempts to obtain proper validation of the debt they claim I owe ; the company has not provided the necessary documentation as required by federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested debt validation on [ date of request ], which legally obligates the debt collector to cease collection efforts until they verify the debt. 
Specifically, I asked for : A copy of the original contract or agreement that created the debt. 
A detailed, itemized account of all charges, payments, and interest applied. 
Documentation proving that Resurgent Capital Services / LVNV Funding LLC. has the legal right to collect this debt. 

Resurgent Capital Services / LVNV Funding LLC. has failed to comply with my request, as they have not provided sufficient information to validate the debt. Continued collection attempts without proper validation violate my rights under the FDCPA, which protects consumers from unfair and deceptive collection practices. 

I request your intervention to compel Resurgent Capital Services/ LVNV Funding LLC. to fulfill its legal obligation by providing complete and accurate documentation of debt validation. I also ask that any further collection activity be suspended until they comply with the requirements outlined in 15 U.S.C. 1692g ( b ). 
For your reference, I have enclosed copies of my original correspondence with Resurgent Capital Services/ LVNV Funding LLC. and any responses I have received. 

Thank you for your time and attention to this matter. I look forward to your support in enforcing consumer protection laws and ensuring my rights are upheld. 

Sincerely, 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint Type : XXXX XXXX XXXX : Violation of IRS XXXX XXXX FCRA XXXX XXXX Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations XXXX 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 XXXX IRS Form XXXX, 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 XXXX. 
XXXX. 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 : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Laws Violated : IRS Regulations ( IRS XXXX XXXX & XXXX XXXX ) 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. 
XXXX XXXX : 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint Type : XXXX XXXX XXXX : Violation of IRS XXXX XXXX FCRA XXXX XXXX Reporting & Inaccurate Credit Reporting Details of the Complaint : I am filing this complaint against the following creditors for violating IRS regulations XXXX 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 XXXX IRS Form XXXX, 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 XXXX. 
XXXX. 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 : XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Laws Violated : IRS Regulations ( IRS XXXX XXXX & XXXX XXXX ) 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. 
XXXX XXXX : 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 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
account number : XXXX account balance : {$7900.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : XXXX. The name and address of the original creditor. 

XXXX. A copy of the signed agreement or contract that allegedly obligates me to pay this debt. 

XXXX. A complete account history, including all charges, payments, and credits applied to the alleged debt. 

XXXX. Documentation showing that you have the legal right to collect on this debt. 

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

Complaint narrative:
I am filling 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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE REMOVE THE ACCOUNT : XXXX XXXX XXXX Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
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: GA

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 the transaction were authorize, 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
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: MI

Complaint narrative:
I attempted to resolve an issue with information on my report that was not mine however I continued to receive stall letters from Equifax advising me I was not submitting these request. When I called I was directed back online so in turn, I was forced to seek legal action. See attached my request from my attorney to immediately remove this fraudulent information from my report. 
Accounts ; 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

Company response to consumer: Closed with non-monetary relief
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: RI

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 proce 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 XXXX financial loss, and I seek appropriate ( 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 XXXX for these violations. 
XXXX

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: GA

Complaint narrative:
Okay I was checking my account one day and I seen suspicious activitys on my account money was coming out my account from cashapp but I contacted cashapp support but they was giving me the run around and wasnt trying to help and they say they couldnt help me. I showed them proof and they told me to contact my bank and I did .. my bank didnt do anything. They told me to contact cashapp support again and they still didnt help.. so I lost my money and didnt get it back .. ( I have PROOF )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Move out statement attached is for XXXX XXXX 

The reported amount of for over XXXX XXXX. This company scams and gets over on tenants.

Company response to consumer: Closed with explanation