vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XXXX XXXX I received my credit report from XXXX after disputing incorrect information my confirmation # XXXX to the dispute nothing was resolved they stated that upon investigating with credit agengy the information is correct and will not remove the inaccurate information on my credit report I would like to know what is the method used to verifify that what is being put on my credit report is accurate its unbelievable the mistakes being made without proper documentation to verify that it belongs to me I was a victim of identity theft providing police report also putting a freeze on my credit report still it was over looked and disputes came back as verified without providing me how it was verified 1XXXXXXXX XXXX XXXXXXXX date opened XX/XX/year> XXXX # XXXX I have never heard of this company I ask for contract or purchase agreement that this belongs to me or removed from my credit report 2.Midland Credit Managment Acc XXXX XXXX XXXX XXXX XXXX Date opened XXXX requesting purchase agreement or contract validating it belongs to me Multiple Inquires made without my consent I'm requesting be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
NOTICE FOR REQUEST OF CERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS DEFAMATION COLLUSION COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE AFFIANT : XXXX XXXX XXXX XXXX 

DEFENDANT : TXXXX XXXX XXXX XXXXS number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AFTER XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX ALLEGED ORIGINAL CREDITOR : XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$XXXX} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX TRANSWORLD SYSTEMS INC -BULK DEBT COLLECTOR BUYER STOP VIOLATING THE FDCPA USC 1692D I NEVER gave your company consent to use this account XXXX XXXX XXXX IN COMMERCE EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE DELETE THIS ALLEDGED ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED MY CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. OR XXXX XXXX, AFFIANT .XXXX  XXXX XXXX XXXX Living woman far from being dead Beneficiary OF XXXX XXXX XXXX not TRUSTEE XXXX WITHOUT PREJUDICE WITHOUT RECOURSE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
In the first box, I put this? 

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 ( 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 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I contacted Mercedes Benz Financial Services on XX/XX/XXXX and requested a letter of no interest for my car that was paid of in XXXX of 2010. They took the information and assured me I would received the letter in approximately 2 weeks. I did not receive it, and contacted them again on XX/XX/XXXX. They once again took my information and told me I would received it in the mail. I did not receive the letter. I called them again on XX/XX/XXXX, and requested the letter be emailed to me. Someone named XXXX took my information and told me I would receive an email within XXXX hours. Once again, I did not receive it. I called again on XX/XX/XXXX. The person I spoke to told me I would receive the emailed letter by end of day XX/XX/XXXX. She also assured me she would call and follow up on Saturday and Monday to make sure I received it, and she did not call. So I called again on XX/XX/XXXX at XXXX a.m and spoke to XXXX. I tried to escalate to a XXXX, but they transferred me to subject matter instead. Again, I was assured I would receive the email within XXXX hours, and did not receive it. I have tried to call XXXX twice today to follow up, and she is not returning my calls. I spoke to the XXXX about how I can clear my title to sell the car, and they said the only thing left for me to do is seek legal advice, so that is what I am going to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX amount was XXXX Another amount XXXX Last time it was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I called XXXX XXXX home insurance XX/XX/XXXX to request a quote. I did not sign up for insurance through them, and instead signed up through XXXX XXXX. XXXX XXXX created a fraudulent insurance policy that I did not agree to, under the name " XXXX XXXX '' ( my actual name is XXXX XXXX, but I spelled the last name " B as in 'boy ', U-E-S-S '' on the phone with them ). I got mail addressed to XXXX XXXX, which I ignored ( as that is not my name ). I eventually discovered they had fraudulently created a policy for me and contacted them, and they were not willing to admit that the policy was forged and did not provide my " signed '' documents to me as they said they no longer had them on file. I told them I would not be paying for it as it is not even under my legal name. I did not think it could affect my credit since it is not under my name, but I have now received a hit on my credit score ( which I checked because I am preparing to purchase a vehicle ). This is due to insurance fraud, which I can prove, and I would like it removed from my credit report. It appears the account was fraudulently created XX/XX/XXXX ( After my insurance policy with XXXX XXXX was already in effect ). I assume this because that is the date I see an email in my junk mail folder saying " Welcome to XXXX XXXX. '' I had inquired with LM on XX/XX/XXXX, and can see that I received emails from them between XX/XX/XXXX and XXXX asking me to " sign my documents. '' It appears they must have forged signatures XXXX. I have attached screen shots from my email ( starting XX/XX/XXXX ) with the requests from them for me to " sign documents, '' as well as the XX/XX/XXXX email " welcoming '' me to XXXX XXXX ( indicating the date the fraud likely took place ). Please note the effective date on the fake policy, which is the same as the effective date on the XXXX XXXX policy I have also attached ( proof that I did not agree to the LM policy and instead went a different direction ) -- this was the date of the purchase of my new home.

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 2025-01-29 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: TX

Complaint narrative:
I called XXXX XXXX home insurance XX/XX/XXXX to request a quote. I did not sign up for insurance through them, and instead signed up through XXXX XXXX. XXXX XXXX created a fraudulent insurance policy that I did not agree to, under the name " XXXX XXXX '' ( my actual name is XXXX XXXX, but I spelled the last name " B as in 'boy ', U-E-S-S '' on the phone with them ). I got mail addressed to XXXX XXXX, which I ignored ( as that is not my name ). I eventually discovered they had fraudulently created a policy for me and contacted them, and they were not willing to admit that the policy was forged and did not provide my " signed '' documents to me as they said they no longer had them on file. I told them I would not be paying for it as it is not even under my legal name. I did not think it could affect my credit since it is not under my name, but I have now received a hit on my credit score ( which I checked because I am preparing to purchase a vehicle ). This is due to insurance fraud, which I can prove, and I would like it removed from my credit report. It appears the account was fraudulently created XX/XX/XXXX ( After my insurance policy with XXXX XXXX was already in effect ). I assume this because that is the date I see an email in my junk mail folder saying " Welcome to XXXX XXXX. '' I had inquired with LM on XX/XX/XXXX, and can see that I received emails from them between XX/XX/XXXX and XXXX asking me to " sign my documents. '' It appears they must have forged signatures XXXX. I have attached screen shots from my email ( starting XX/XX/XXXX ) with the requests from them for me to " sign documents, '' as well as the XX/XX/XXXX email " welcoming '' me to XXXX XXXX ( indicating the date the fraud likely took place ). Please note the effective date on the fake policy, which is the same as the effective date on the XXXX XXXX policy I have also attached ( proof that I did not agree to the LM policy and instead went a different direction ) -- this was the date of the purchase of my new home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
XXXX XXXX provided me with a refund and i explain to them what had happened. I was told that I would have to wait at least 3 days to get it. It never was sent to me. Both me and the store tried to get the money and was told that I would still have to wait. I talked to cash app and was told that I still have to wait. this last time I seen my money in the phone and the lady on my app could not give it to me, she did know how. I also told them that I wanted both cards closed. I did not tell them to give a XXXX XXXX XXXX a card that they can assed my credit card. They closed his account, and left mine open. My money was still on the card. When I check XX/XX/XXXX my money was still on the card, but some tried to assess my card, and everyone had said no. They Had even tried to get something from XXXX costing {$700.00}. I fill that if the account was closed this can.t happen. I have been sleeping with my card and someone was trying to buy while i was on the phone. 
I just want my money back from XXXX XXXX. And please do not give a XXXX a card connected to me. Card was d/c after they talked to me, but i never received my money from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PR

Complaint narrative:
I am a victim of fraud. I have contact XXXX XXXX and no action as been taking, and account was fraudulently open. XXXX XXXX know about this fraud account open under my name and has not fixed the problem.

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 2025-01-29 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: MI

Complaint narrative:
Hi I have previously disputed ( public record on my credit report with XXXX, and in response they verified the item as accurate, stating that they have verified the information from the court and XXXX. 
I contacted the court and XXXX, and their response is enclosed. 
It is clear that the court do not report to any credit bureau for that matter .Therfore their initial response verifying the item with the court was either an error or a lie. 
XXXX dont have any information on their record. 
Either way, the reporting requirements do not comply with FCRA s611 ( 15U.S.C.s1681l ) and the information must be deleted immediately.

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 2025-01-29 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: FL

Complaint narrative:
Equifax has failed to fulfil its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts un resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as 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 has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

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 transactions were authorized, 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 2025-01-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This credit collection company has called my employer regarding my debt. I asked them to stop. They also call my cell phone every 2-3 days since XXXX of XXXX, maybe prior to that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
As for the debit card transactions related to XXXX, I have explained multiple times that I do not have a XXXX account. When I contacted XXXX directly, they confirmed that someone used my card to book a rental, which is clearly fraudulent. This further supports the need for an investigation into these charges it is over a XXXX dollars! 

I trust that you will conduct a thorough investigation into these matters so that I can receive the appropriate refund and this situation can be resolved. I sincerely hope that we can resolve this issue without it escalating further.

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 2025-01-29 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: DISCOVER BANK
State: NY

Complaint narrative:
15 U.S.C 1692C YOU HAVED VIOLATED MY RIGHT BY LAWFUL COMMUNICATION. PLEASE REMOVE THIS ACCOUNT OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I visited Wells Fargo, XXXX, NC branch on XX/XX/XXXX with a draft in US funds that was to be cashed and deposited into my account. I was informed that it was a foreign exchange, even though funds were in US dollars ( XXXX XXXX is the bank referenced ) and it would take 6 to 10 weeks to be processed. I contacted the bank on XX/XX/XXXX and was informed by the bank employee that the check was still being processed by foreign exchange. I then spoke to foreign exchange within Wells Fargo and they informed me that they had no information regarding the check. I spoke to the branch XXXX on XX/XX/XXXX and she informed me that it was not sent to foreign exchange but was sent to domestic collections within Wells Fargo but they have no idea where the check is. I contacted XXXX XXXX XXXX in XXXX from which the check was obtained and they informed me that the check had already been cashed. The check is for a significant amount of money, over {$34000.00}. Wells Fargo is unable to tell me where the check is and the money is not in my account but was processed and funds released by XXXX XXXX. It has been well over 2 months and Wells Fargo can not provide me with the details regarding the check because they are unable to locate it and they have yet to provide me with a date by which this will be resolved and the money deposited into my account. 
I would like my money as I intend to close all of my Wells Fargo accounts and take my business elsewhere as I am extremely dissatisfied with the lack of competence and sense of urgency on their end.

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 monetary relief