vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account XXXX on XX/XX/XXXX under the account number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, Social and government-issued ID. However, Experian failed to block the disputed item within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Experian 's failure to uphold consumer protections under 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 2025-02-08 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Individual account opened on XXXX XXXX and I requested a detailed letter of dept validation under 15 USC1692g. However more than 30 days have passed and I have not received a response to this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive used multiple platforms and paid for assistance for removal of inaccurate information not limited to inaccurate amounts of debts, inaccurate statuses of accounts, removal of old accounts per reporting laws, outdated personal information, unverifiable accounts and removal of closed accounts. This has spanned over 4 years and many of the accounts have been reported as current when they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase credit cards were hacked. The hackers made fraudulent charges on my cards and also stole {$1500.00} in accumulated XXXXXXXX XXXX points from my account. Chase acknowledged the fraudulent use of my credit cards and issued me new credit cards. But Chase has refused to reinstate my XXXX XXXX points to my account. Instead, they have falsely accused me of converting the points to gift cards and downloading to my email account. ( See attached Chase rejection of claim letter ). I have refuted that allegation and have offered Chase access to my main l AT & T email server to establish no gift cards were ever downloaded to my email account. Instead, as my letter to Chase documents, this is a known technique used by credit card hackers to steal XXXX XXXX  points from Chase credit card customers -- a fraud technique of which Chase is well aware. 

Chase 's handling of this matter is irrational and unreasonable. On the one hand, Chase acknowledges that I was the victim of fraud. On the other hand, they are refusing to reimburse me for the full amount of the documented fraud loss I suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Subject : Appeal and Follow-up on CFPB Complaint Against Citibank , N.A .

To Whom It May Concern : I am writing to formally appeal and request further investigation into my complaint against Citibank , N.A . concerning their actions involving my secured credit card account.

Key Issues for Appeal : 1. Failure to Provide Requested Documentation : I specifically requested a copy of the cardholder agreement or any document that outlines Citibanks policy permitting holds on available credit, particularly for a secured credit card account. To date, Citibank has not provided this documentation. This omission raises concerns about transparency and compliance with consumer protection laws.

2. Inconsistent and Possibly Unfair Practices : Secured credit cards are designed to minimize creditor risk by requiring collateral deposits. Citibanks continued practice of holding payments and delaying access to available credit after payment even when secured by collateral undermines the basic intent of such a product. Absent any contractual provision justifying this, such actions may constitute an unfair or deceptive practice.

3. Lack of Justification for Payment Holds : Citibanks response referenced risk factors such as payment amounts and return history to justify holds. However, this rationale is more appropriate for unsecured accounts. The secured nature of my account mitigates these risks, and Citibank has failed to demonstrate a legitimate basis for imposing these restrictions.

4. Potential Consumer Rights Violations : The Fair Credit Billing Act ( FCBA ) requires timely crediting of payments. If Citibanks policy or practice delays credit availability without appropriate contractual disclosures, this may represent a failure to comply with federal standards.

Requested Action : I respectfully request that the CFPB take the following steps : 1. Require Citibank to produce the cardholder agreement and any supporting documentation justifying their hold policies on secured accounts.

2. Investigate whether Citibanks practices constitute unfair or deceptive acts under federal consumer protection law 3. Ensure Citibank adheres to its legal obligation to maintain transparent and fair credit practices for secured cardholders. 

I appreciate your attention to this matter and your continued efforts to ensure financial institutions are held accountable for their practices. 

Sincerely, XXXX XXXX Let me know if you need adjustments or prefer additional details.

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 2025-02-09 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: FL

Complaint narrative:
In accordance with the fair credit reportin act, the list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 usc 1681.

the accounts bellow have violated my rights.
15 U.S.C 1681 section 602A states I have the right privacy

15 U.S.C 1681 section 604 A section 2: it also states a consumer reporting agency cannot furnish a account  withount my written instrutions.

15 U.S.C 1681c. (a)(5) section States: no consumer reportingagency may make any consumer report containing any of the following items of information. any other adverse tem of information other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2(A)(a)A person shall not funish 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.

delete the accounts bellow XXXX XXXX XXXX   transunion
XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian
XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion
XXXX XXXX XXXX  experian XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion
XXXX XXXX XXXX XXXX XXXX XXXX transunion

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After reviewing my credit report, I noticed several hard inquiries that I did not recognize. Having mailed my request for validation on XX/XX/XXXX, I have received no confirmation from Equifax with verifiable proof that I provided any written consent to report these unconfirmed inquiries. They are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Inquired XX/XX/XXXX Equifax has violated my rights to privacy, and per the FCRA, I am now opting out of any and all authorization, written and non-written, verbal and non-verbal, per 15 USC 6802. I was granted no Pre-screening Opt-out notice and per 15 USC 1681 ( b ), any consumer reporting agency may furnish a consumer report in accordance with a WRITTEN request by the consumer to which it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Toll-Free : XXXX Subject : Formal Dispute & Cease Collection Request for Unjustified Debt To Whom It May Concern, I am writing to formally dispute the debt referenced under Account # XXXX related to XXXX XXXX XXXX XXXX The collection attempt by your agency is unjustified and must be ceased immediately for the following legal reasons : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Invalid Debt Post-Eviction : The XXXX XXXX XXXX and Sheriff 's Department confirmed that an eviction was lawfully executed on XX/XX/year> ( Case No. XXXX XXXX XXXXXXXX ). Under Florida eviction laws, once a tenant is lawfully removed, they are no longer responsible for payments beyond the eviction date. Any further collection attempts on a terminated lease constitute deceptive and unfair practices under the FDCPA. 

2. Violation of the Florida Consumer Collection Practices Act ( FCCPA ) - Florida Statutes 559.55 et seq.

Unjust Collection Practices : The FCCPA prohibits collection agencies from engaging in abusive, deceptive, and unfair collection practices. Continuing to pursue a debt after a lawful eviction and without proper validation violates these provisions.

3. Unlawful Third-Party Debt Sale Without Proper Notification - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g Lack of Transparency : My account was transferred or sold to a third-party collector without proper written notification, violating FCRA 1681g, which mandates transparency in consumer financial obligations.

4. Failure to Honor Partial Payment & Unfair Collection Practices - Consumer Financial Protection Bureau ( CFPB ) Regulations Unacknowledged Payment : I made a payment of {$3500.00}, yet the eviction proceeded without proper crediting of the payment, violating fair debt collection standards. Under CFPB regulations, a creditor or collection agency must account for and adjust payments received before pursuing further collection actions.

5. Protection Under the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - XXXX XXXX. XXXX Domestic XXXXXXXX XXXX XXXX  : At the time of eviction, I was enrolled in a XXXX  XXXX XXXX  assistance program, granting me legal protections against unfair eviction and financial penalties. Continuing collection actions against me disregards federal tenant protections for XXXX  XXXX XXXX  and may constitute unlawful retaliation. 

6. Violation of XXXX XXXX XXXX XXXX Local Ordinances : XXXX County provides specific protections for tenants, especially those who are victims of XXXX  XXXX. Pursuing collection actions under these circumstances may violate local tenant protection ordinances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: Block, Inc.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I made {$18000.00} worth of purchases from XXXX for tv mounting services, 10 XXXX TVs and 4 cameras. XXXX XXXX sent me a email stating they were going out of business and advise us to contact our bank ( cash Ap ) for a refund. I contacted Cash app XX/XX/XXXX to dispute the charges and less then 24hrs they denied my claims without even reaching out to the company to get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that remains unresolved despite my previous efforts. My situation aligns with the recent lawsuit filed by the Consumer Financial Protection Bureau against Experian ( Case No. XXXX ), which details multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These include Experians failure to properly reinvestigate disputes, notify consumers of reinvestigation results, and ensure the accuracy of reported information.

In accordance with 15 U.S.C. 1681i ( a ), Experian is required to : Conduct a reasonable reinvestigation and provide me with clear, accurate results within 30 days.

Forward all relevant information, including my supporting documents, to the data furnisher. 
Remove or correct any unverifiable, inaccurate, or incomplete information. 
Provide a detailed explanation of any changes made ( or not made ) as a result of my dispute. 

If Experian fails to correct these errors, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider legal action to enforce my rights under 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 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I attempted to get this debt removed from my credit report because I am unaware of this debt and do not owe this debt. The agency stated on the account says I owe this from a previous landlord. I requested through CFPB to have this issue resolved and the collection agency did not provide sufficient evidence to prove this debt belongs to me. The document the agency provided appears to be a hand designed document made by the company stating it is mines. This debt needs to be removed as it does not belong to me from all three credit agencies.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was compromised in a data breach in XXXX  and I wish to have my credit expunged

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 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a letter to your office requesting the validation of an account that you claim I owe. Despite this request, I have not yet received any documentation verifying that the debt is valid and belongs to me. 

I request the following details to validate the debt : Documentation verifying that the debt is valid and belongs to me. 

The original creditors name and contact information. 

The amount of the debt, including a breakdown of how the amount was calculated. 

Proof that you are legally authorized to collect this debt. 

Copies of any contracts or agreements I signed with my actual signature to create the debt. 

Please consider this letter a formal dispute of the debt until proper validation is provided. Under the Fair Debt Collection Practices Act ( FDCPA ), you are required to stop all collection activities until you provide the requested validation. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: AL

Complaint narrative:
Equifax has failed to fulfill its legit obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Equifax where neither has been corrected nor removed or amend disputed accounts as Equifax actions violate federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I just remembered a time when they were doing the forgiveness thing for student loan and I applied but didn't get the forgiveness. I filed bankruptcy and it was on hold ( payments ). Now the payments are starting back up and I asked and applied for the forgiveness because I had student loans for years. Just really need help with the forgiveness because I was in that number to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation