vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
i received a letter that i had an account in litigation with an attorney. during the time i was moving and i've also worked with a litigation attorney and know they are allowed to garnish your paycheck ; i was fearful this would effect my moved by taking my money i set up a payment plan. after getting settled i came across the paper and did more research and found out these 2 accounts aren't even reported to none of the credit bureaus. i called MCM and the gentlemen i spoke with was unable to provide me with the requested purchase agreement, any document bearing my signature, and was unable to answer if these were credit cards then why aren't they being reported to any credit bureaus so i can do a proper dispute. all he kept telling was to go over my previous purchases and i told him that doesn't mean anything because those charges could have come from anyone and since this is a 3rd party collection agency i am required by the FCRA law to have a proper investigation completed. he advised me that it would take 90 days but in the mean time they would not continue to collect on the debt. i advised him i had this conversation recorded and i would be contacting the CFPB because i am required to receive a response in 30 days and if this was properly handed off to you ( w/o my consent ) then they should have the documentation i am requesting. as of today i have paid over XXXX $ and would like to not only be reimbursed but have this removed from account. attached is a copy of the cease and desist letter i sent to them as well as the audio from our phone call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt collector has the wrong information. Under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), you are prohibited from using threats, harassment, or other unlawful tactics to collect a debt. Your recent communications violate my rights under this law. 

Additionally, since there are not licensed in Georgia, they can't come after me, federal and state regulations regarding debt collection practices. Their threats are not only unethical but also illegal, and I kindly ask that you report then so they can can stop any unlawful collection efforts and stop damaging 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Experian. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose.

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, Experian has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements.

I have taken the following actions : Submitted a formal dispute to Experian, demanding removal of multiple unauthorized inquiries.

Provided supporting documentation, including proof of identity and address.

Requested that Experian provide documented evidence of permissible purpose from the entities that conducted the credit inquiries.

Warned Experian that failure to comply would result in a CFPB complaint.

However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold Experian accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing.

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I noticed on my recent credit report a collection agency has been reporting for an XXXX XXXX XXXX  account, I don't owe the collection company at all I never entered an agreement with them. I need the collection agency to show proof of my signatures stating I agreed to a debt owed with them. They are committing identity fraud by knowingly furnishing information on my credit report that they weren't privied to. I want this company to remove all information regarding this debt from the credit reporting agencies which include Experian, Equifax, and Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I did not consent, nor benefit from or authorize any of the following accounts.

1. NAVY FEDERAL Credit Union- Account # XXXX {$22000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) due to their failure to enforce the Fair Credit Reporting Act ( FCRA ) in my dispute against Equifax. I submitted a formal request for the removal of unauthorized and unverifiable credit inquiries from my credit report, which were reported without my explicit authorization or any legally required proof of permissible purpose.

Despite my submission of a dispute under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that only accurate, complete, and verifiable information be retained on consumer credit files, Equifax has failed to remove these inquiries. Additionally, they have not provided any legally sufficient proof of permissible purpose, which is a direct violation of FCRA compliance requirements.

I have taken the following actions : Submitted a formal dispute to Equifax, demanding removal of multiple unauthorized inquiries.

Provided supporting documentation, including proof of identity and address.

Requested that Equifax provide documented evidence of permissible purpose from the entities that conducted the credit inquiries.

Warned Equifax that failure to comply would result in a CFPB complaint.

However, despite these efforts, the CFPB has not taken appropriate enforcement actions to hold Equifax accountable for its non-compliance with federal law. This failure to act enables continued violations of consumer protection laws, resulting in harm to my credit report and financial standing.

I am specifically disputing the following credit inquiries due to lack of proof of permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AR

Complaint narrative:
So just last week XX/XX/XXXX I was notified through XXXX XXXX that my credit score had dropped down a whole XXXX points when I called them and I asked them why is that possible and I have never seen these people 's under none of my information before and I gave them the initials of what I seen on my XXXX XXXX. Now they basically was telling me that they have multiple credit cards but they turned me over to the fraud department and they did the same thing and ran my social and my name and my address nothing ever came up but XXXX XXXX with TransUnion they said they removed a credit card off my credit report that evidently took me down XXXX points well I have not had a credit card since I was XXXX XXXX years old. So I'm not understanding how that could be possible that you can take something off my credit report that I know that I did not do the dates that he gave me did not coincide with anything that I knew about not even knowing anything about the company 's name that was on the TransUnion and that brought my score down XXXX points. So I even called back to let them know what the company has said that they could not find anything so they are mailing me a copy of my credit report they're telling me that I'm delinquent on some stuff but I only have one account that they're claiming that I'm delinquent on that's on my credit report and I'm just feeding that one so this one that took my score down a whole XXXX points I have no clue about I know I have gotten several email stating through different companies that I have done business with that they've had data breaches so they told me to make sure that I watch out for anything that's not correct and that doesn't look right and let them know but I don't even know what company I can let them know because the company that's on my data they're saying that they go through several different companies with several different credit cards so I don't know what's going on and who did what but I need my XXXX points back and I need this taken off my credit report 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 explanation
Consumer complaint received 2025-02-23 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: SC

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
I have made a payment arrangement with a hospital that I was treated at. we came to terms that the balance would be paid in full after I received my payment from the insurance company. they didn't even give me the opportunity to pay and they put the medical collection on my credit report and it dropped my credit score XXXX points. I was informed by the CFPB that medical collections could not impact my credit score and this has done exactly that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXXXXXX XXXX '', {$1500.00} for a puppy, that was suppose to be delivered on XX/XX/XXXX. When the person did not show up with the dog, I tried contacting them, to find out they had blocked my phone number and my XXXX account, so I could not request the money back. Their XXXX is currently still active and they are still scamming other people, by pretending to be dog breeders. I went to my bank ( Citibank ) on XX/XX/XXXX to file a complaint. I also filed a police report and an XXXX report that same day. Citibank 's fraud department sent a letter a week later saying there was nothing they could do about the matter. Citibank refuses to comply with XXXX XXXX XXXXXXXX XXXX new policy that passed in XXXXXXXX XXXX  2023, saying that banks have a duty to reverse fraudulent transactions even from XXXX parties such as XXXX. I have contacted XXXX and they said, Citibank has the power to reverse the charge. Over XXXX banks use XXXX and Citibank is XXXX of them, which means, Citibank has an obligatory duty to reimburse scam victims, as long as the bank is notified within XXXX days of the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I demand the permanent deletion of this account since at no time have I signed contracts with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, a credit card with CAPITAL ONE was added to my report. This account was opened on XX/XX/XXXX. 
I did not open this account and I was not aware of this account until I was notified that 105 % of credit card usage was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: LEXISNEXIS
State: TN

Complaint narrative:
XXXX XXXX has been contacted a multitude of times. I received Lexis nexis credit report finally after requesting it since XXXX of XXXX. I finally received it in early XX/XX/XXXX, after many complaints. The Lexis Nexis credit report is for sure mixed up with XXXX XXXX XXXX from XXXX, Florida who has the same exact name and XXXX as me and she is not me. XXXX, her daughter is on there too and so is another male. These people are not me. I was sick the month of XX/XX/XXXX with the flu, at the hospital and also overseas. overseas. Please contact XXXX XXXX XXXX at XXXX at XXXX. He was provided a copy of the Lexis Nexis Credit report. additionally, I have written errors that I noticed on it and sent it as multiple emails. The police report number is XXXX Today, on XX/XX/XXXX I spoke to XXXX in Fraud dept in the XXXX who I notified her that Lexis Nexis mixed me up and there is definitely. I have also talked to XXXX Multiple times providing them all my information, all my prior addresses at least XXXX times since last XX/XX/XXXX, when they deleted my dob and ss number. XXXX XXXX is a witness to most of these calls with the fraud and credit department. The police report was provided to XXXX XXXX, XXXX, XXXX, and XXXX in XX/XX/XXXX. I am inundated in paperwork due to the errors by all the companies involved. XXXX and XXXX has failed to provide the credit report on my business account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Since XX/XX/year> I have been trying to get Transunion, XXXX, and XXXX to correct a few problems on all three credit reports. I have sent many dispute letters up to this point and only a little has been done to correct the problems. I am tired of dealing with their XXXX and would like the help of the CFPB. The problems remaining are the following. 

1. Transunion will not correct my address information. 

2. XXXX will not correct a late payment ( that was not my fault ) back to paid on time. Transunion and XXXX did correct this. 
XXXX will also not remove my past employment information. 

3. XXXX will not correct my address information and will not remove my past employment 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 non-monetary relief