vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Reporting inaccurate information. Company hasn't issued 1099C for debt charged off

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was in a XXXX  medical hospital due to the death of my daughter. I had no access to any devices while there. I was held by the state for attempting XXXX. I explained my medical issue to Capital One who refused to give goodwill allowance for a medical issue when all payment before and after have always been on time.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EQUIFAX, TRANSUNION AND EXPERIAN HAVE COMPLETELY VIOLATED MY RIGHTS. ALL THREE OF THESE AGENCIES HAVE FURNISHED INNACURATE, FRAUDULENT AND OUTDATED INFORMATION THAT IS MORE THAN 10 YEARS OLD ON MY CONSUMER REPORT. I AM A VICITM OF IDENTITY THEFT SINCE MY INFORMATION HAS BEEN APART OF THE EQUIFAX DATA BREACH WHICH A LAWYER RECENTLY BROUGHT TO MY ATTENTION. I HAVE PROOF INCLUDING BREACH ENGAGEMENT NUMBER ATTACHED TO THIS COMPLAINT. EQUIFAX, EXPERIAN AND TRANSUNION HAVE FAILED TO ACCURATELY LOOK INTO MY DISPUTES, AS I HAVE NEVER RECEIVED ANY RESOLUTION TO ANY OF MY CLAIMS INSTEAD HAVE BEEN IGNORED. ALL THREE OF THESE AGENCIES ARE IN VIOLATION OF MULTIPLE FCRA LAWS BUT SPECIFICALLY IN VIOLATION OF FCRA 1681i ( a ) ( 1 ) AND SECTION 1681c OF THE FCRA. THIS HAS BEEN CAUSING ME A REAL BIG FINANCIAL BURDEN AND XXXX. I AM REQUESTING THIS MATTER IS IMMEDIATELY HANDLED FOR THE SAKE OF MY HEALTH AND SANITY. I DO NOT BELIEVE THIS IS FAIR 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 2025-02-05 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: NY

Complaint narrative:
EQUIFAX, TRANSUNION AND EXPERIAN HAVE COMPLETELY VIOLATED MY RIGHTS. ALL THREE OF THESE AGENCIES HAVE FURNISHED INNACURATE, FRAUDULENT AND OUTDATED INFORMATION THAT IS MORE THAN 10 YEARS OLD ON MY CONSUMER REPORT. I AM A VICITM OF IDENTITY THEFT SINCE MY INFORMATION HAS BEEN APART OF THE EQUIFAX DATA BREACH WHICH A LAWYER RECENTLY BROUGHT TO MY ATTENTION. I HAVE PROOF INCLUDING BREACH ENGAGEMENT NUMBER ATTACHED TO THIS COMPLAINT. EQUIFAX, EXPERIAN AND TRANSUNION HAVE FAILED TO ACCURATELY LOOK INTO MY DISPUTES, AS I HAVE NEVER RECEIVED ANY RESOLUTION TO ANY OF MY CLAIMS INSTEAD HAVE BEEN IGNORED. ALL THREE OF THESE AGENCIES ARE IN VIOLATION OF MULTIPLE FCRA LAWS BUT SPECIFICALLY IN VIOLATION OF FCRA 1681i ( a ) ( 1 ) AND SECTION 1681c OF THE FCRA. THIS HAS BEEN CAUSING ME A REAL BIG FINANCIAL BURDEN AND XXXX. I AM REQUESTING THIS MATTER IS IMMEDIATELY HANDLED FOR THE SAKE OF MY HEALTH AND SANITY. I DO NOT BELIEVE THIS IS FAIR 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 non-monetary relief
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: CA

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violates 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 action has caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have informed " XXXX XXXX XXXX '' on several occasions and complained that they have been reporting an old closed Credit Card account balance and status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on TransUnion and Experian credit reports : 1. ) Balance owed - ( {$62.00} ) 2. ) Account Status- ( Charge Off ) 3. ) Last Activity - ( XX/XX/XXXX and also XX/XX/XXXX ) 4. ) High Balance - ( {$310.00} and also {$0.00} ) 5. ) Times 30/60/90 Days Late - ( 0/0/0 and also 2/1/3 ) 6. ) Month 's Reviewed - ( 0 and also 55 ) 7. ) Monthly Payment - ( {$0.00} and also {$0.00} ) 8. ) Current Payment Status - ( Collection/Charge-Off ) 9. ) Payment History - ( " No history is available, '' and also " You've made 71 % of payments for this account on time. '' ) On the telephone, the company agreed to remove this inaccurate account once I paid their accused {$62.00} balance owed in full in XXXX, but they violated this verbal agreement and have recently sent me a newly recreated inaccurate balance owed for this account, which has already been paid in full and closed. Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX reporting an identity theft to TransUnion. I have been a victim of identity theft. Listed inquiry on this letter is fraudulent. I did apply for FTC report and will attach here for future action. 
Fraudulent inquiry is XXXX XXXX XXXXXXXX reported 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 non-monetary relief
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: FEDChex Recovery, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, D.C. XXXX RE : Formal Complaint Against Fedchex Recovery LLC CFPB Case # : [ Leave Blank For CFPB Reference ] Dear Sirs/Madams, I am writing to file a formal complaint regarding the actions of Fedchex Recovery LLC , a third-party debt collection agency, who has been attempting to collect a debt from me. I am seeking your assistance to investigate this issue and ensure compliance with federal debt collection regulations. 

Details of the Complaint : Unclear Original Creditor : Fedchex Recovery LLC has contacted me regarding an outstanding debt. However, they have failed to provide clear documentation or verification of the original creditor. I have requested this information multiple times but have not received satisfactory responses. Without clear verification, I can not confirm the legitimacy of this debt. 

Failure to Provide Debt Validation : As required by the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of the debt. Despite this, Fedchex Recovery LLC has not provided sufficient information to validate the debt they claim I owe. They have continued to engage in collection practices without adhering to the legal requirements for debt validation. 

Negative Impact on Credit : Due to these collection practices, my credit report has been negatively affected. Fedchex Recovery LLC has reported the debt to the credit bureaus, even though I have not received proper validation. This is causing undue harm to my credit score and violates the Fair Credit Reporting Act ( FCRA ).

Harassment and Unlawful Communication : Additionally, I have experienced repeated communication from Fedchex Recovery LLC, which I have requested to cease in writing. Despite this, I have continued to receive calls and letters regarding the debt. This is a violation of my rights under the FDCPA. 

Request for Action : I request that the Consumer Financial Protection Bureau investigate this matter to ensure that Fedchex Recovery LLC is in compliance with the FDCPA and FCRA. I also request that appropriate actions be taken to address the negative impact on my credit report and the continued harassment despite my formal requests to cease contact. 

Please let me know if further information or documentation is required to support my case. I trust the CFPB will ensure that Fedchex Recovery LLC is held accountable for their actions. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Re : Dispute of Reinserted Account Request for Immediate Removal Dear Transunion I am writing to dispute the reinsertion of a negative account on my credit report, which had previously been removed. The account in question is XXXX The account was removed from my credit report confirmed by your bureau. However, I have recently discovered that this account has been reinserted into my credit report without my consent. prior credit report showing the account was not listed. 
Furthermore, I did not receive the required notification at least 5 days before this account was reinserted, as mandated by 15 USC 1681i. This lack of proper notification is a violation of the Fair Credit Reporting Act ( FCRA ). 
Given these circumstances, I request the immediate removal of this account from my credit report. 
Please confirm in writing once this account has been removed from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Re : FCRA 623 ( a ) ( 7 ) Responsibilities of furnishers of information to consumer agencies ( a ) Duty of furnishers to provide accurate information.

I have a collection on my report that should have not been placed according to Fair Credit Reporting Act 603 ( P ) which is new information I am submitting that states if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( P ) furnishes negative information to such agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information in writing before or no longer than 30 days after putting this information on my credit report. 
I received ABSOLUTELY NOTHING!! 
This account appears as XXXX XXXX XXXX. I demand this item be deleted because XXXX XXXX actions clearly breaks these statutes. 
The alledged original creditor and the collection agency XXXX XXXX never contacted me that this debt was sold and this collection agency clearly breaks these statutes and I demand the account be deleted immediatel from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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.

Capital 1 has violated my rights. 
I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigatio
n under paragraph ( 1 ) of any information disputed 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestig
ation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptiy notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-02-05 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: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Experian is reporting inaccurate, incomplete, or unverifiable information in violation of 15 U.S.C. 1681i ( a ) ( 5 ) and has failed to conduct a proper investigation, disregarding consumer protection laws. I request that Experian conduct a thorough reinvestigation of the wrongfully opened lease account by XXXX XXXX XXXX through XXXX XXXX and provide all documentation used to verify the disputed information, including any applications or agreements associated with this account. Additionally, I expect Experian to confirm whether it has independently verified this accounts legitimacy, as it remains the only bureau reporting it as open. The account XXXX was wrongfully opened on XX/XX/year>. We have already contacted XXXX XXXX, and they have reached out to XXXX XXXX XXXX regarding this matter. Furthermore, XXXX correctly reflects the account as closed, yet Experian continues to report it as open. This inaccuracy is negatively impacting my credit, and I demand immediate correction. Please provide a written response confirming the results of your reinvestigation on Experian within the legally mandated timeframe. 

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 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: 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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.

I have previously communicated with Transunion and disputed these items.

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
I believe the account is invalid. Northstar Location Services , LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. Northstar Location Services , LLC Reference # : XXXX Balance : {$20.00}, 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 — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XXXX shows a transaction as received to Robinhood. This means the money is already in my bank and should be available to me. My bank is holding the funds for security reasons for 5 days. This is not normal for sale transfers which typically is instant or a few minutes. I had to walk 10 mi because of this with my came as I've XXXX XXXX XXXX XXXX  Bank has neither confirmed nor denied a written statement about holds. I'm submitting to you as well as the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage was recently sold to NewRez. In XXXX of XXXX, without my knowledge or approval they began withdrawing an extra amount from my checking account. Since I only keep enough in my account to cover the bills, I was charged at least one overdraft fee. I did not realize that I was being billed the extra amount until XXXX of XXXX when I finally received a statement. I did not receive a call, an email, or a message on the mortgage website. I contacted them on their site on XX/XX/XXXX, over the phone on XX/XX/XXXX, and again on their website through the mortgage account sign in on XX/XX/XXXX. I have also reached out to them today XX/XX/XXXX through the website. I have not heard back from them after contacting them through the website. When I spoke to XXXX over the phone on XX/XX/XXXX, he was initially polite. He stated that they had sent me letters saying that I did not have insurance so they were providing me with home insurance and billing me escrow. I did not receive any such communication. I always pay my insurance myself and do not escrow anything. I asked for my money to be returned. He essentially said tough luck because they had already paid it out. When I asked about the contact info to provide proof of insurance, he then chose to give me the wrong contact information. He also said that this would not be resolved for several weeks so that they would continue to withdraw the extra funds from my account. I also mentioned to XXXX that the profile they had for me had the wrong information. I was listed as having a landline in California with an address also in CA. He mentioned something like " Oh we just did a trace and got that number, but we do not have a CA address for you. '' Isn't that illegal? I am now concerned about identity theft because of this shady practice. Please help me. It is not fair that such a horrible mortgage company is being abusive.

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