vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
Subject : Formal Request for Deletion of Unverifiable Collection Account from Credit Report I am writing to formally request the deletion of an unverifiable collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I recently disputed a {$1600.00} XXXX XXXX collection account listed on my XXXX credit report. Following their investigation, XXXX has deleted this account from my file as of XX/XX/year>, indicating that the account was not verifiable. Since XXXX has removed this account, it is evident that the account could not be substantiated or verified as accurate, and therefore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), you are also required to remove this item from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that only accurate, verifiable, and complete information be reported by credit reporting agencies. If an account is deemed unverifiable by one bureau, it is reasonable to expect the same standard be upheld by all other credit reporting agencies. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in consumer credit reports. Keeping this account on my report after XXXX found it unverifiable would constitute a violation of my rights under this provision. I request that you immediately delete this unverifiable account from my credit file and provide me with an updated copy of my credit report reflecting the removal. If this account is not removed within 30 days, I will have no choice but to exercise my rights under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which allow me to pursue legal action against any agency that willfully or negligently fails to comply with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: PA

Complaint narrative:
Subject : Formal Request for Deletion of Unverifiable Collection Account from Credit Report I am writing to formally request the deletion of an unverifiable collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I recently disputed a {$1600.00} XXXX XXXX collection account listed on my XXXX credit report. Following their investigation, XXXX has deleted this account from my file as of XX/XX/year>, indicating that the account was not verifiable. Since XXXX has removed this account, it is evident that the account could not be substantiated or verified as accurate, and therefore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), you are also required to remove this item from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that only accurate, verifiable, and complete information be reported by credit reporting agencies. If an account is deemed unverifiable by one bureau, it is reasonable to expect the same standard be upheld by all other credit reporting agencies. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in consumer credit reports. Keeping this account on my report after XXXX found it unverifiable would constitute a violation of my rights under this provision. I request that you immediately delete this unverifiable account from my credit file and provide me with an updated copy of my credit report reflecting the removal. If this account is not removed within 30 days, I will have no choice but to exercise my rights under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which allow me to pursue legal action against any agency that willfully or negligently fails to comply with the FCRA.

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 2025-02-15 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: PA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC {$690.00} the debt is not mine my information was leaked in the XXXX data breach I tried to dispute the error they claim it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am filing a complaint against XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX and XXXX complies with federal laws and provide consumers with the necessary proof of investigation. 
This is the account I marked as inaccurate : Procollect , Inc XXXX This is not my account and need it removed.

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I was using the add money feature instantly on Venmo. I was adding money from my XXXX  account ending in XXXX. The debt card I used ended in XXXX. I was adding XXXX XXXX to my Venmo account. When I did this Venmo popped up an error message and did not give me my funds. But they still charged my XXXX. Now I have gotten into contact with them but they said I will have to wait weeks till they answer. They also claimed there was nothing on their end although when I contacted XXXX  they informed me this was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: DC

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

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 2025-02-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: AR

Complaint narrative:
Please remove evictions from my rental history as I do not owe debt. I am Homeless because of this! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Civic Liability for Negligence Non-Compliance under Section 16810 To whom it may concern : I am writing to formally dispute the notice of liability for negligence regarding non-compliance under section 16810 of [ relevant law or ordinance ]. I believe that the decision to hold me liable is both incorrect and unjustified for the following reasons : 1. **Non-Compliance Overview** According to the notice, I am being held liable due to an alleged failure to comply with certain civic responsibilities. However, I respectfully dispute this claim as [ provide a brief explanation of why the non-compliance is not valid, such as miscommunication, misunderstanding of regulations, etc. ].

2. **Lack of Negligence** Furthermore, the allegation of negligence is unsubstantiated. I have taken reasonable steps to comply with the necessary regulations and responsibilities outlined in section 16810. [ Provide any relevant facts or actions you've taken to demonstrate your compliance, such as submitting forms, making necessary payments, or other appropriate steps ].

3. **Inadequate Notification** I also wish to point out that I was not provided with adequate notice regarding [ any actions, deadlines, or documentation required for compliance ]. As per section 16810, proper notification is essential, and the failure to provide me with such communication has led to this misunderstanding.

4. **Supporting Documentation** Attached to this letter are copies of [ list any relevant documents, emails, communications, or other proof that support your position, such as proof of payments, communication records, etc. ]. These documents demonstrate that I have acted in accordance with the law and have not engaged in negligence.

Given the above points, I respectfully request that this liability notice be re-evaluated and revoked. Should you require further information or clarification, I am happy to cooperate and provide any additional documentation necessary to resolve this matter.

I trust that you will carefully review the facts and resolve this issue promptly. I look forward to your timely response to this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-02-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$9100.00} XXXX XXXX  # XXXX XX/XX/year> -- {$6200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> -- {$3100.00}

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Block, Inc.
State: FL

Complaint narrative:
I bought a product that was not sent to me ( I was sent one that was not the correct one and I returned it ). I made the claim many times by phone and in writing and they still want me to pay when they are the ones who owe me the part that I had already paid. A complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NH

Complaint narrative:
The company response was that card was not registered to XXXX. I told them but my money was that was taken from that acct. They used my bank acct number placed my social security XXXX XXXX card number on my providers XXXX XXXX  card since XXXX of 2021 stealing over XXXX maybe XXXX XXXX dollars

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 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
Subject : Follow-Up on Complaint # XXXX Ongoing Issues with Bridgecrest Dear Consumer Financial Protection Bureau , I am writing to provide an update on my complaint regarding Bridgecrest ( Complaint # XXXX ). Despite my previous concerns about the misapplication of my total loss payment, the situation has only worsened. 

Today, I checked my account and discovered that it now shows a past-due balance of over {$4000.00}. With the remaining total balance of over {$25000.00} .My account should have been fully paid off after my total loss settlement, yet Bridgecrest continues to alter my balance without explanation. This has caused significant confusion and distress. 

Furthermore, XXXX XXXX, the representative assigned to my complaint, initially left me a voicemail, but despite my multiple attempts to return her callincluding several voicemails left immediately after her first messageI have not received any response. The lack of communication and resolution from Bridgecrest is unacceptable. 

I am deeply concerned about how Bridgecrest is handling my account and the repeated errors they continue to make. I respectfully request that the CFPB intervene to ensure my account is properly corrected and closed as it should have been. Please let me know what further steps I need to take to escalate this matter. 

Thank you for your time and assistance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
Sending and receiving money through Zelle, where incorrect recipient was sent money and Zelle wouldnt refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
In XX/XX/year> I purchased XXXX lights for {$59.00} from Home Depot and used my Home Depot credit card. The allure of getting a discount if I use my card lured me in. I had a {$0.00} balance on this card. With every creditor I have I always request a paper statement and turn on auto-pay. I used this card years back so figured autopay was still on and I'd receive a reminder letter. I've been working XXXX hours a week at work, have been sick, and it was XXXX so I did not have time to followup. Also we purchased additional lights that day and returned some of the lights so in the back of mind I assumed I was back to {$0.00} and didn't question it. 

On XX/XX/XXXX, I received a call from Citibank saying I had a past-due {$130.00} balance. I thought it was a phishing attempt so hung up and called right to Home Depot-Citibank. They told me I was already reported to the credit bureau for being over 30 days late for an original balance of {$59.00} which was now {$130.00}. I was devastated, confused and upset. Home Depot-Citibank told me somehow e-statements got turned on. In addition, the email they have on file for me is old and gets nothing but spam/phishing. I have had an account with Home Depot for many years and have never been late, not once. Neither have I been late with my other creditors. Now, I have seven years with this one {$59.00} charge ( paid off now ) on my report. Citibank was able to contact me easily AFTER they added on the late fees and interest on the late fees and reported to the credit bureau- but they made no attempt to find me as this would have been unusual for my credit history.

I admit technically yes I was late, but because I was sick, and with only {$59.00} I ask that they give me grace and remove this one late payment from my credit report as I thought my auto-pay was on and I would have received a paper statement.

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 2025-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
The bill has been a filed claim from the original company and paid thru its insurance policy this 3rd party was sold the account trying to collect on account invoice the original company has been processed and thru there insurance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
I do not owe this rental debt please help as I am homeless right now because of it and not able to get any type of living assistance or help bc of this rental debt I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I always make my full statement balance payment per Capital One website, every month, to avoid interest charges. For the month of XX/XX/year> I paid what the Capital One website told me to pay as my remaining statement balance to avoid any interest charges. However, the amount reflected online was incorrect by {$25.00} and Capital One proceeded in charging me {$37.00} interest charge. I strongly believe theyre doing this intentionally which is a deceptive practice to consumers. I requested they credit me back the interest charge of {$37.00} since it was their fault the system reflected the information incorrectly, however they refused. Capital One is being deceptive and greedy to consumers and need to be investigated. The supervisor I spoke to XXXX employee number XXXX refused my requests to escalate my concern, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred despite having sufficient funds when the transactions were authorized. These fees appear to have resulted from delays in the posting of charges and credits. This issue aligns with the CFPBs findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances.

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