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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 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 has violated my rights. 

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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 ) promptly 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.

15 U.S.C. 1681B ( 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.

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC
State: NY

Complaint narrative:
My XXXX, XXXX XXXX XXXX had sent my account to a debt collection agency for collection, after they did not receive two payments. We did not receive a letter from the XXXX for the payment, before receiving a a letter from the collection agency. As soon as the information was received from the collection agency and we came aware of it, My son, XXXX XXXX who resides at the address and was not home most of the time, as he works with the airline and was away most times due job duties contacted the XXXX  office to settle the matter ; however, he was directed to the XXXXXXXX XXXX XXXX, XXXX who he has been in contact with. He had attempted several times to settle and to pay off the XXXX, in which each time he was given a new payoff fee. I have also contacted the XXXX XXXX and was directed to the Dept collection office and by the time I spoke to the collection office, I was told a collection amount as well as threats to place lieu against our house. I have requested an outline of the amount from XXXX and after thorough review, I could not understand the outline of the fees that we are asked to pay. Once again, we have made attempt to negotiate and pay, nonetheless both the XXXX and XXXX collection agency are not willing to provide us with a reasonable amount to settle the amount. We are shown that that we owed the HOA {$740.00} and the fee that we are told that we must pay is almost XXXX of what the HOA fee is. 

We definitely feel pressured and discriminated against. We brought the house in the area XXXX and since then, we have received tuff violation threats ; for example, our lawn was observed as high as our neighbors, and we receive threat of violation fees. After cutting our lawns, our neighbors lawns were still observed not cut. In XXXX, after the hurricane, we received threatening letter that we would be charged if we do not get the fence fix shortly after the hurricane. We fixed our fence immediately. Currently, our neighbor 's fence is down leaning our home, after the previous hurricane and nothing had done to it. We were told by a neighbor when we just brought the house that she receives an email that we were felonies that moved in ; however, she said that after doing her reach, she found out that my son works for the XXXX XXXX. We are currently hit with threatening letter that a XXXX is placed on our house and if not paid within XXXX, they could move to foreclosure! again, our XXXX fee that is owned in only {$740.00} with a fee of over {$3000.00}.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I am submitting a complaint for XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required XXXX  day period 15 U.S.C. 1681i ( a ) ).

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX ( XXXX ) XXXX XXXX XX/XX/year> Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, which I obtained from your agency. Under **15 U.S.C. 1681 ( o ) **, I am entitled to dispute inaccuracies and request that you promptly investigate the matter. 

The specific item ( XXXX ) I am disputing XXXX listed below : **Disputed Information : ** - **Account Name : ** [ Insert name of creditor or entity reporting ] - **Account Number : ** [ Insert account number ] - **Description of the Discrepancy : ** [ Explain the issue e.g., account reported as late when it was paid on time, account marked as open when it was closed, etc. ] I have enclosed relevant documentation that supports my dispute, including [ e.g., payment records, account statements, correspondence with the creditor, etc. ], which show that the information reported is inaccurate or incomplete. 

As required by law, I request that you investigate this matter and correct or remove the inaccurate information from my credit report within 30 days. I also request that you notify me of the results of your investigation. 

Please confirm receipt of this dispute and provide me with updates on the status of the investigation. 

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

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I went to ITT tech Norwood  navient lied about jobs I couldnt get job

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX auto finance Credit collection XXXX XXXX XXXX XXXX XXXX XXXX filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item ( XXXX ) as it is incorrect and does not reflect my true credit history.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX auto finance Credit collection XXXX XXXX XXXX XXXX XXXX XXXX filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved, I request immediate investigation and removal of this item ( XXXX ) as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Basically XXXX going through identity theft and fraud. When I tried logging into my bank account and credit card account, I couldnt. By the time I was finally able to get back into my accounts I froze them and froze my credit file. My capital one accounts were both restricted when I received a random email on XX/XX/year> stating to verify a payment? When I logged in I saw multiple purchases without my consent and also XXXX new bank accounts added as if someone was using my cards for themselves. I called capital one that night on XX/XX/year> saying those accounts arent associated with me. When I tried calling capital one again on XX/XX/year> about the fraud and identity theft they said I needed a bank statement from the bank thats linked to confirm payments which isnt even mine! I tried saying I was a victim of fraud but they wouldnt allow anything to happen unless I gave them a bank statement from a bank that I dont own! So hence why XXXX here now and asking to escalate this case for me and allow my accounts to be returned and reimbursed if possible. In total I think there are about XXXX in fraud purchases plus XXXX random bank accounts which arent mine so please please help me. When I also called my bank about my fraud happening they told me they were new devices signing in proving my point!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> XXXX Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Cease and Desist Request Regarding Account [ Account Number or Reference ] Dear Sir/Madam, I am writing to formally request that Amsher Collection XXXX XXXX XXXX and desist all collection efforts regarding the alleged debt associated with my name. 

As provided under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop all communication and collection actions regarding this matter. Please consider this letter a formal request to : Cease all phone calls, emails, letters, or any other forms of contact regarding this debt. 
Discontinue any reporting of this alleged debt to credit bureaus. 
If you believe I owe a debt, you are required to provide written validation of the debt, including the original creditor, the amount owed, and any supporting documentation. Until such validation is provided, all collection efforts must stop. 

Please note that further communication from your office should be in writing only, and should not include any additional phone calls or other direct contact. If I continue to receive harassment or other unwanted communication, I will consider this a violation of the FDCPA and will take appropriate legal action. 

This letter is not to be construed as an acknowledgment of any debt or liability. 

Thank you for your prompt attention to this matter, and I expect confirmation that you have complied with this request. 

Sincerely, XXXX XXXX

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: 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: TX

Complaint narrative:
Experian has failed to correct my disputes after multiple disputes made. Experian violates my consumer rights as well as federal law. I sent several dispute through Experian and never received results. This information on my credit is inaccurate yet Experian has yet to correct this.

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: 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: CT

Complaint narrative:
Complaint : Experians Failure to Correct Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), including violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Experian is inaccurately reporting my mortgage accounts as " included in a bankruptcy. '' These accounts were not part of a bankruptcy ; the properties were sold, and the accounts were fully paid. I have provided Experian with letters ( Letters were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from the lenders confirming this, but they have failed to : - Properly investigate my disputes. 
- Remove or correct the inaccurate information. 
- Comply with FCRA regulations regarding reinsertion of inaccurate data. 

This inaccurate reporting is impacting my XXXX XXXX and my ability to secure credit, employment, and housing. 

Additionally, the recent CFPB lawsuit against Experian for sham investigations and improper handling of disputes mirrors my experience. It is clear Experian has a systemic issue with failing to comply with consumer protection laws. 

I request that the CFPB investigate this matter and ensure Experian takes corrective action to comply with the FCRA and address the errors on my credit report. 

Thank you for your attention to this matter.

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: 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. ( 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 redres : for these violations.

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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filling a complaint against the the Cash app Application ( Block , Inc ). which is due to the inadequate customer service and unfair practices, which had violated the known Consumer Financial protection Act ( CFPA ). To get into specific details Cash App had dailed to take timley and effective measure to prevent or stop the address fraud on their platform, that had terribly impacted me and left my account unprotected. Secondly their dispute resolution process was unclear, unfair and very poor to best expresses it, as they simply did not comply with the error resolution requirements under the the Electronic Fund Transfer Act ( EFTA ). The inconvenience these action have caused me with financial loss and trust issues with Cash app. Finally I demand this complaint to seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation