vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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:
The company has place inaccurate information on my consumer report. FCRA definitions ; rules of construction are clear of exclusion of reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I request a reasonable investigation and provide the results of the investigation to mandated under 1681i. Avoid contravene the Consumer Financial Protection Act as highlighted in the CFPB 's administrative proceeding ( FILE XXXX XXXX ) against Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: ProCollect, Inc.
State: WA

Complaint narrative:
Says I owe a debt of {$20000.00} from pro collect. It was opened XXXX XXXX. I have dispute this collection multiple times! I have asked for proof of this collection bill and havent had any proof! They gave me false statements saying I could make payments then when I contacted them they told me I couldnt and needed to pay upfront with the bill. You cant make false reports saying a payment plan is offered when its not!

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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All of the credit inquiries attached to my transunion and XXXX credit scores are inquiries from sources unbeknownst to me. I am requesting an immediate removal of said inquiries from my credit.

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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account with Chase bank in XXXX XXXX, CA in about XX/XX/year>. I just wanted a checking account. A week ago or so my son/XXXX  was looking at my online profile and he told me I had a Chase freedom credit XXXX ending in XXXX. I told him I don't have a Chase credit card, so we contacted Chase and they informed us this credit card was opened around XX/XX/year>. I have a feeling this was opened when I opened my checking account that same month, but I did not need a credit card. I had no idea I had a credit card and I do not even have the card on me. When I talked to Chase they said there was never any activity ever in the 18 months or so the card has been open. I never even activated the card and never received it. I closed it, but I don't want it to affect my credit score or anything. I am glad my son saw this as I am XXXX and can not be always checking. I had a XXXX 4 months ago so I need to know what is going on. I do not know the full card number because the online banking only shows the last 4 digits and it has no statements because the card was never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Dispute of [ XXXX ] under 15 U.S.C. 1681 ( o ) - Civil Liability for Negligent Noncompliance Dear Sir/Madam, I am writing to dispute the following information in my credit report : [ Describe the inaccurate information, including account numbers or other identifying details ]. 

This disputed item involves a charge of {$2300.00} related to a loan taken out for my ex-partner, which I am now being held responsible for, despite it not belonging to me. TransUnion previously denied my request to correct this error. 

Under 15 U.S.C. 1681 ( o ), I believe TransUnion has negligently failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). I am requesting that you investigate this matter and correct the inaccuracies promptly.

Enclosed are copies of [ describe documents ] supporting my position. Please correct the disputed items and ensure my credit report reflects these changes. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the actions taken. 



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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
They took money out of my account and never got it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX XXXX XXXX XXXX ) derogatory items on opened XXXX, XXXX, & XX/XX/2023 under ( XXXX, XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collections, or hard inquiries as reported. The Original creditor XXXX XXXX, account collections, were paid in full and discharged and i am provided supported documents of proof, XXXXXXXX XXXX  received Balance payoffs and confirmed all three payment certifications. All of the aforementioned accounts, collections, and hard inquiries are the result of credit reporting inaccuracies due to False reporting.

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 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The errors present in my credit file have negatively impacted my creditworthiness and demonstrate both negligence and noncompliance with the FCRA.

Under 15 U.S. Code 1681o, credit reporting agencies are required to maintain and enforce reasonable procedures to ensure maximum accuracy of consumer reports. The failure to properly verify or correct the errors in my report constitutes negligence in your compliance with these obligations.

I am requesting the following actions : Conduct an immediate investigation and verify the accuracy of the disputed information.

Correct or remove the inaccurate items from my credit report. 

Notify any parties that have accessed my report within the last six months of these corrections.

Failure to comply with this request will result in further action to enforce my rights under the FCRA, including pursuing damages for negligence and noncompliance as outlined in 15 U.S. Code 1681o.

I look forward to your timely resolution of this matter. Please contact me at XXXX or XXXX if you require additional information. 

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: CO

Complaint narrative:
On XXXX XXXX I got a credit alert that there was a new account on my credit score. I saw it was a collections from Plaza Services LLC. They posted that it was open in XXXX, XXXX. I have not received any communication from them, no phone calls or letters or anything from them, in fact I have tried calling multiple times during their business hours to no answer, and i have emailed them twice to no answer. I disputed this account and got it removed from my credit score ( it came off yesterday XX/XX/XXXX ). Today they posted a late payment, even though no communication from them. 
No validation of debt from them or anything. I don't even have a full account number for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Car dealership sent my credit inquiries to banks and other lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates 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 non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Subject : Formal Consumer Dispute Regarding MEDICAL DATA SYSTEMS INC. 

To Whom It May Concern, I am writing to formally dispute the reporting of a debt collection by MEDICAL DATA SYSTEMS INC. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law.

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ).

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( XXXX ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations. 

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of this debt collection : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within 14-21 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
After disputing with the company of this fraud debt they refused to properly investigate after I provided the right information. Note the response was the ID matches which they claim validates the debt for them. I explained that card was compromised from ID theft. Bounce AI was provided the police report and FTC report. Them reporting this fraud identity theft account is hindering my personal life. Reporting this false fraudulent information is against my consumer protection rights by reporting this information and not blocking it. Please thoroughly investigate and delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

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

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$110000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$91000.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} XXXX  # XXXX XX/XX/XXXX -- {$420.00}

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 2025-01-26 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: GA

Complaint narrative:
Subject : Formal Consumer Dispute Regarding TRANSWORLD SYSTEMS INC. 

To Whom It May Concern, I am writing to formally dispute the reporting of a debt collection by TRANSWORLD SYSTEMS INC. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law.

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ).

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations. 

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of this debt collection : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within 14-21 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: KY

Complaint narrative:
Got a civil summons they never contacted me or sent mail I get a summons with a paper saying I owe debt and it dont even include my signature it just has my name in a piece of paper also get phone calls and when I say mail me info they refuse to mail it 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