vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: Kikoff Inc.
State: MS

Complaint narrative:
I had a XXXX when I sign-up for XXXX  to help my score... I got sick and lost my job to cover I emailed them and they kept reporting all kinds of stuff and unknown linked to them ... .I used this service to help and they applied predatory practices please help me to get them to remove this they can keep the couple hundred I paid but this is horrible taking advantage when someone is sick with XXXX  and didn't hear nothing my credit was destroyed after using them XXXX to XXXX bc I got sick from XXXX and nobody would do nothing lost my job and made me lose my credit I'm a first time XXXX  barely making it please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal close my account and not only that day was overcharging me with the overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have been making payments when I can and made a payment on XX/XX/XXXX {$40.00}, XX/XX/XXXX {$69.00}, and XX/XX/XXXX for {$69.00}. As of XX/XX/XXXX, Comenity Bank ( XXXX XXXXXXXX XXXX XXXX ), has been calling me from a Restricted number from XXXX until almost XXXX at least 4 times a day, also sending texts and emails to me everyday, to this present day, and actually called me on a Sunday, and after XXXX XXXX  also. I have received 61 calls alone just in the past 3 months. I am being harassed by them constantly. I have print outs and saved emails and texts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P
. IS ATTEMPTING TO COLLECT A DEBT 
I DO NOT HAVE NOR HAVE I EVER HAD AN ACCOUNT, CONTRACT ,OR LEGAL BINDING AGREEMENT NOR DO I OWE LVNV FUNDING $XXXX  
I HAVE NOT BEEN PROVIDED ANY INFORMATION IN WRITING FROM THIS COMPANY IN REFERENCE TO SUCH DEBT 
LVNV FUNDING IS TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX  XXXX AS OF XXXX XXXX  & MOST RECENT REPORT TO THE CREDIT BUREAU ON XXXX XXXX XXXX XXXX XXXX HAS REPORTED A O BALANCE AND ALL PAYMENTS ARE CURRENT AND THE ACCT CHARGED OFF REMARKS CONSUMER DISPUTE RESOLUTION CHARGED OFF XXXX XXXX Balance PROVIDED THE ACCT WAS CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
LVNV FUNDING LLC.
CARE OF RESURGENT CAPITAL SERVICES L.P
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello Wells Fargo, I attempted to obtain credit after all of these years and I am not able to get credit at all. I am not able to get credit due to the identity theft that happened at your bank and that you have continually denied over the years. It has been proven that my identity was stolen in XXXX. I deserve better customer service than this. I did not work my entire life to get all of my money stolen from your bank so that I would never be able to go on vacation or buy a home. Had my money not been stolen- my bills would have been paid and I would have not gone homeless. 

I hope that you would take it seriously that Wells Fargo was involved with the transactions that made me homeless and that Wells Fargo historically refused to look into the fraud and continued to put that burden onto me which has been a tireless effort considering that I know nothing about fraud and that every single detail that I have brought to light- has gone entirely ignored by the XXXX  offices. 

Please help with more than just sending me an acknowledgement letter in the mail. Wells Fargo is an established financial institution that should take their customers seriously as you are capable of causing the consumer severe issues, emotional distress, and problems that you can not even imagine your own self as a Wells Fargo Banker and contributing society member.

Thank you for your time and consideration.

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 2025-02-07 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: NY

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I am formally disputing a fraudulent charge/ account that appears on my credit report. 
This charge was not authorized by me and is the result of a data breach. Despite my previous disputes, this negative item continues to be reported incorrectly. I am demanding its immediate removal under the Fair Credit Reporting Act ( FCRA ). 
Details of the Disputed Item : * Creditor/Company Name : XXXX  XXXX * Account XXXX Reasons for Dispute : * I did not authorize this charge/account.

* My personal information was compromised due to data breach.

* The Fair Credit Reporting Act ( 15 U.S.C.

* 1681i ) requires accurate reporting, and this charge is incorrect.

*

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 2025-02-07 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
XXXX the motor went out in vehicle. I stayed in contact with Exeter finance about the vehicle getting towed and fixed. I requested they come pick the vehicle up, they declined. XX/XX/XXXX, I reached out to Exeter to let them know the vehicle was fixed and they offered me a payoff amount. They stated they would email the form for me to esign and pay money so that they could mail title. They repossessed the vehicle the same night when the forms was supposed to be sent. When I spoke to them again, they said the vehicle would be sold and whatever balance was left would be put on my credit report. As of XX/XX/XXXX, Exeter is charging me more than the vehicle was sold for and the amount is incorrect as well as the payment history they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am tiling 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 2025-02-07 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
Experian has failed to fulfill its illegal 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. 
XXXX  XXXX bankruptcy discharged US BKPT CT XXXX XXXXXXXX Reference Number 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I sent Experian, Equifax, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I sent Experian, Equifax, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am disputing the inaccurate and unverifiable reporting of the XXXX account on my credit report. This account contains multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The account details are as follows : Creditor Name XXXX XXXX  Account Status : Charged off as bad debt Balance Reported : {$1000.00} Reported Charge-Off Date : XX/XX/year> Specific Issues : 1. FCRA Violations : The balance reported is inaccurate and unverifiable. I requested proper validation from XXXX, but they failed to provide documentation supporting the balance and account status. 
The account status ( Profit and Loss Write-Off and Charged Off as Bad Debt ) is inconsistent and does not comply with FCRA 1681e ( b ), which requires maximum possible accuracy in credit reporting.

2. Metro 2 Compliance Issues : The account lacks a detailed 24-month payment history, which violates Metro 2 guidelines for transparency and accuracy in reporting. 
The reported charge-off date and balance are inconsistent with prior payment activity. 
3. Impact of XXXX  Inadequate Investigations : I was directly impacted by XXXX  failure to properly investigate disputes, as documented in the XXXX  CFPB lawsuit. Their flawed dispute processes allowed this inaccurate information to remain on my credit report, causing financial harm and damaging my creditworthiness.

Actions I Have Taken : I requested verification and correction of this account from XXXX and the credit bureaus. However, they failed to provide sufficient documentation to substantiate the reported information. 
Despite my efforts to resolve this matter, the inaccuracies persist, violating my rights under the FCRA and Metro 2 compliance standards.

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 2025-02-07 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:
To whom this may concern. My name is XXXX XXXX. I was looking through my credit report, and I noticed a bunch of fraudulent activities that I am just now getting a chance to address. I filed a FTC fraud report in which I will be attaching here in hopes that the credit agencies can address this matter, and remove these items from my credit report as soon as possible. All of the inquiries on my credit report were done by fraud maybe by a ex girl friend. I dont know. All I know is I did not apply for these things.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom this may concern. My name is XXXX XXXX. I was looking through my credit report, and I noticed a bunch of fraudulent activities that I am just now getting a chance to address. I filed a FTC fraud report in which I will be attaching here in hopes that the credit agencies can address this matter, and remove these items from my credit report as soon as possible. All of the inquiries on my credit report were done by fraud maybe by a ex girl friend. I dont know. All I know is I did not apply for these things.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-02-07 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complain against cash app ( Block , Inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective Measures to prevent and address fraud on their platforms, 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 cause insignificant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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