vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Dispute Of Inaccurate Collection Amount - FCRA XXXX XXXX & XXXX I am writing to dispute the accuracy of the following collection accounts on my credit report XXXX. XXXX XXXX XXXX for amount of {$2000.00} opened on date XX/XX/XXXX XXXX XXXX XXXX XXXX for the amount of {$220.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX for the amount of {$91.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX for the amount of {$540.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX for the amount of {$370.00} opened on XX/XX/XXXX I am not liable for these debts. I do not have contract with any of these companies. They did not provide me with the original contract with my wet signature and ID verification. 

XXXX XXXX XXXX - Requirements relating to information contained in consumer reports. 
Under XXXX - False or misleading representations Under XXXX - Obtaining information under false pretenses Under XXXX ( m ) - exclusions ( collection accounts ) Under XXXX - Civil liability for willful noncompliance Under XXXX - Validation Of Debts Provide proof of these alleged items, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from my credit report as soon as possible. 

Reason for dispute : The debt does not belong to me or is charged off. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX {$1600.00} ( a ), you are required to conduct a reasonable re-investigation of disputed information. Additionally, furnishers must provide sufficient documentation to verify the validity of the debt ( XXXX XXXX $ XXXX ( b ) ) If this debt can not be validated with proper documentation, it must be removed from my report immediately ( XXXX XXXX $ XXXX ( a ) ( XXXX ) ) Thank you for your prompt attention. 

Sincerly, 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 2025-01-25 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: OH

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian '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 explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
if my account doesn't have the money why is the bank paying out the money then charge an overdraft fee of XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
you and your account. 
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. I submitted my claim and tried to het a refund but 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 XXXX XXXX XXXX XXXX ) 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 proce 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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
I am filing this complaint because inaccurate and harmful information is being reported on my credit report by XXXX XXXX and Hayt Hayt & Landau. These accounts have been charged off but are being reported incorrectly and unfairly, causing ongoing harm to my credit. 

Specifically : XXXX XXXX is reporting a charge-off for account ending in [ last XXXX digits ] and is updating the account monthly, which is misleading and unnecessarily damaging my credit.

Hayt Hayt & Landau attempted to sue me for this debt, but the case has no judgment on file, as confirmed through the New Jersey court system. Additionally, this debt is past the statute of limitations for collection in New Jersey. 

Both XXXX XXXX and Hayt Hayt & Landau continue to report these accounts despite the debts being time-barred and legally uncollectible. 

This repeated reporting violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as the information is inaccurate, unverifiable, and misleading. I have attached supporting documents, including a copy of my credit report and a court docket search showing no judgment for this account. 

I am requesting : The removal of these charge-off accounts from my credit report due to their inaccuracy and the harm caused by continued reporting. 
A thorough investigation into the reporting practices of Capital XXXX and Hayt Hayt & Landau to ensure compliance with FCRA and FDCPA regulations. 

Thank you for addressing this matter. I look forward to your resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Not able to dispute online. 
Can not access dispute center. 
Account login is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: IL

Complaint narrative:
AMERICOLLECT continues to call me daily despite my account has been removed from my credit and I tell them every time to stop calling me. They continue to call and leave messages and when blocked they call from different numbers. I want them to completely stop calling me. Both XXXX and XXXX report the 2 AMERICOLLECT accounts have been closed and removed. There is no reason to continue to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Pinebrook Holdings, LLC
State: TX

Complaint narrative:
XX/XX/XXXX called and told them to cancel all automatic payments due to high interest rate that was not on the agreement. Was told they have completed the revoke automatic payments. Today on XXXX the XXXX they took a payment out with my consent or authorization and they are lying about what was told and done back on XXXX the XXXX. They will not issue a refund nor apologize for there inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Requested a purchase agreement, and removal of inaccurate information

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 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
The company did not verify the debt. The company only provided a bill. I never had a contract with this debt collector for any debt.. I ask them to please provide proof of original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account.. This account is incorrect reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CBC Companies, Inc.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University 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 Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of 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 2025-01-25 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: NV

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to dispute inaccurate information on my credit report. The account in question is with XXXX XXXX  XXXX XXXX account number XXXX. After reviewing the reported information, I have identified the following inaccuracies : Account Comments : The account status mentions " First payment never received. '' This statement is inconsistent with the provided payment history, which shows payment activities for various months, including late statuses ( e.g., " XXXX  days past due, '' " XXXX  days past due, '' etc. ). This contradiction indicates that payments were made, and the comment is factually incorrect.

Status Details : The account is marked as " charged off '' with {$660.00} written off but simultaneously reports {$250.00} as past due as of XX/XX/XXXX. If the account has been charged off, it is inaccurate to report additional past-due amounts since the account is no longer active. 

Payment History Gaps : The payment history shows multiple months with no data ( e.g., most of XXXX and XXXX ), making the reporting incomplete and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be complete, accurate, and substantiated. 

In accordance with XXXX XXXX XXXX XXXX, I am requesting validation of this debt. Specifically, I ask for documentation that verifies the following : Accurate payment history and proof of the " first payment never received '' statement. 
Detailed breakdown of the balance, including the {$250.00} past-due amount and how it applies to a " charged off '' account. 
Additionally, under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), I request that only verified and accurate information remain on my credit report. If XXXX XXXX  XXXX XXXX not validate the accuracy of these details, I request the immediate removal of this account from my credit report. 

For your convenience, I have attached a copy of my credit report highlighting the errors, along with my ID and proof of address to verify my identity. 

Please complete your investigation and respond to me in writing within 30 days of receiving this letter. You may contact me at XXXX or XXXX for any additional information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Please see files provided by the collection company. I have tried since XX/XX/year> to cancel on multiple occasions to the point I ended up cancelling the credit card it was auto charging. Prior to that I even tried to dispute it through the credit card but it would show up again a month or XXXX later so I cancelled the card - a long time card that affected my credit history. I was NEVER even on an annual contract and have not utilized this T-mobile account for over XXXX YEARS at {$150.00} per month. In all honestly I am OWED over XXXX  years of payments I made fighting them to stop charging me. I couldn't access their online portal- they refused to help me get back into it. It has been a very difficult and traumatizing situation and now debt collectors are constantly harassing me and do not care that I dispute the charge and continue to demand payment where payment is not owed. PLEASE HELP. It has been a horrible experience because their employees do not follow customer 's requests and there is never the same person you can contact in the store, on the phone or through chat because of their turnover and you start all over again because they can never find records of anything - or so they claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation