vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX Conserve XXXX XXXX XXXX XXXX XXXX Pa XXXX, XXXX Re : Request for Verification of Debt Dear CONSERVE I am writing in response to your Emails dated XX/XX/XXXX, in which you claim that I owe a debt to Conserve in the amount of {$960.00}. Please consider this letter as a formal request for validation of the alleged debt, as provided under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. 

As outlined in the FDCPA, I am entitled to request the following information regarding this debt : The amount of the alleged debt. 
The name of the creditor to whom the debt is owed. 
A detailed statement of the debt, including any interest or fees added. 
A copy of the original agreement or contract that created the debt, if available. 
Documentation proving that you are authorized to collect this debt on behalf of the creditor. 
Any relevant judgment or court order, if applicable. 
Please provide these documents within 4 days of receiving this letter. Until such time as I receive verification of this debt, I request that you cease all collection activities, including any reporting of this debt to credit bureaus. 

If you are unable to provide the necessary validation, I request that you immediately cease further attempts to collect this debt and remove any related information from my credit report, if applicable. 

Please send the requested information to the address listed above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AFNI INC.
State: NM

Complaint narrative:
The company AFNI , Inc, XXXX XXXX, XXXX CA XXXX ; AFNI XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX deceptively conceals contact information in unmarked envelope, hence appearing as marketing or trash. 
XXXX. Harasses with verbage that subrogation is now reduced from {$25000.00} to {$10000.00} due to comparable negligence. 
XXXX. Currently, knowing AFNI , Inc that my case is under lawsuit in case pending with another collection company in district court, which law only allows one subrogation lawsuit on file.

4. Threatening verbage continues with lawsuit if I don't send money {$10000.00} to above address.

5.I have multiple agencies aggressively calling me as well with harassing phone calls up to 4 times a day. With phone number only shows as a debt collector..but does not confirm if it is the same company ; so I request this number be notified to cease and desist " collection '' as this is an illegal collection pending in district court with a law firm representing the insurance company and myself. 
XXXX. Please send cease and desist letter to above inc., as well since these are overlapping unfair collection practices from these two companies for now.

7. Since these are not yet in my credit report, I would like to stay on top of my credit report.

8. Thank you for your time in assisting during the bombardment of collectors whom think they can harass, threaten and assumption on compatible negligence. And, I seek maximum fines and a counterclaim fee from these two companies knowingly seeking collection when company has access to current pending legitimate subrogation and stressing me out... 
Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
My credit bureaus are showing I was late on this account which I wasnt I paid this account in full and closed it but the mistaken reporting actions this debtor is took has caused my credit score to suffer I want it fixed immediately or removed from my report being its paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
My credit bureaus are showing I was late on this account which I wasnt I paid this account in full and closed it but the mistaken reporting actions this debtor is took has caused my credit score to suffer I want it fixed immediately or removed from my report being its paid in full

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 2025-01-21 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: NJ

Complaint narrative:
Experian violated FCRA by failing to properly conduct reinvestigations of disputed information on my creditrepot; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. 


Experian has removed accounts that were never supposed to be deleted : 1. XXXX XXXX XXXX - {$8000.00} Report Number XXXX. I never disputed this account

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Tried to use my card for a {$170.00} purchase today and it continued to decline. I then tried to login online and it says not available for all my data. Called the XXXX number and the XX/XX/XXXX rep that's nearly impossible to understand said there was a " security block '' placed on the card and said the reason was because I updated my profile online. 

This is ABSURD. If someone updates or changes a phone number on the account Concora Credit blocks their account? ... and according to this rep there is no option to unfreeze the account over the phone and rather I have to fax them my ID? I have already faxed them my ID when the account was opened. 

This behavior by Concora Credit is insanely ABUSIVE to consumers. They offer you the card on XXXX XXXX, you apply and get a credit inquiry ; then subsequently they frivilously block your ability to access your account and use your card for NO REASON. 

They are likely doing this across thousands of card holders to charge annual fees then subsequently block consumers ' ability to use the card resulting in the card being closed ; Concora Credit pocketing the annual fees and continuing this perpetual cycle of consumer abuse!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I would like to ask for the XXXX filled with the IRS when my Accounts personal and business with FNBO was charged off. 
IRS regulations ( XXXX XXXX. XXXX ) require certain entities to file information returns with the IRS and furnish information statements to debtors, reporting discharges of indebtedness of {$600.00} or more. 

I need this to file my back and current taxes and be in compliance with the IRS rules. 
I will also like any and all the statements from my personal and business accounts be mailed to me at my address. 

i XXXX XXXX, A FEDERALLY PROTECTED CONSUMER, I AM writing to formally request to opt out of any and all authorization i the consumer may have given you, verbal and nonverbal, written or unwritten to the sharing of my nonpublic personal information or account with of your affiliate and nonaffiliated third parties, as well as any and all affiliates of First National Bank of Omaha ( FNBO ), as permitted under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, and any other applicable state or federal laws. 

Request Details Personal Information : My names is XXXX XXXX Account Number : Any personal or Business Accounts with your company I exercise my right under GLBA to prohibit the sharing of my nonpublic personal information with nonaffiliated third parties and request that this opt-out apply to any and all affiliates of of your company, unless such sharing is legally required or explicitly exempt under applicable laws. 
Scope of Request : This opt-out request applies to all nonpublic personal information your company and its affiliates currently hold, have collected in the past, or may collect in the future. 
Applicable Laws and Protections Gramm-Leach-Bliley Act ( GLBA ) : Your company is required under GLBA to notify me XXXX my right to opt out of sharing nonpublic personal information with nonaffiliated third parties and affiliates where applicable. 

GLBA obligates FNBO and its affiliates to honor my opt-out request and implement appropriate measures to safeguard my information.

Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I assert my right to restrict sharing of information related to my creditworthiness or other sensitive financial data with affiliates. 
State Privacy Laws : If there are additional privacy protections provided by state law where I reside, I assert those rights as well to restrict information sharing with affiliates and nonaffiliated third parties.

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 2025-01-21 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: NJ

Complaint narrative:
I certified Mail Receipt all three credit bureau 's about correcting my personal information on my credit report and nothing has changed. i attached to the document Certified copy of driver license, Social Security XXXX, XXXX XXXX, proof of address as verification. XXXX failed to completed my request nor sent me updated request of incorrect my personal information being corrected. Pursuant to FCRA only accurate information suppose to be reported and incorrect information remains to be report and when i requested proof of investigation verification they failed to respond. 

XXXX is still reporting my name misspelled XXXX XXXX that's not how its spelled on my driver license and birth certificate. the correct spelling of my name is XXXX XXXX XXXX. 

XXXX is reporting incorrect address which XXXX XXXX XXXX, XXXX XXXX XXXX, New Jersey XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey XXXX i never resign at this addresses nor did i update their system with these addresses. i never applied for credit using these addresses.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I certified Mail Receipt all three credit bureau 's about correcting my personal information on my credit report and nothing has changed. i attached to the document Certified copy of driver license, Social Security XXXX, XXXX XXXX, proof of address as verification. XXXX failed to completed my request nor sent me updated request of incorrect my personal information being corrected. Pursuant to FCRA only accurate information suppose to be reported and incorrect information remains to be report and when i requested proof of investigation verification they failed to respond. 

XXXX is still reporting my name misspelled XXXX XXXX that's not how its spelled on my driver license and birth certificate. the correct spelling of my name is XXXX XXXX XXXX. 

XXXX is reporting incorrect address which XXXX XXXX XXXX, XXXX XXXX XXXX, New Jersey XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey XXXX i never resign at this addresses nor did i update their system with these addresses. i never applied for credit using these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
I bank with navy federal and they sent out an email stating there was a breach in customer information, so I checked my account and saw that all my money was gone. I reached out to the bank and they said they would investigate and get back with me. I started looking at charges on my account and noticed that there was a credit as if I called and reported a fee coming out that wasnt supposed to come out, and I informed them that Ive never called them to about that and they could go back to the times Ive called to see and they still havent given me any information on that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
Fees were more then expected Money wasnt in account when guaranteed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX {$290.00} Public ( chapter 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( block inc ), due to inadequate customer services 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App XXXX 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. 
My account was compromised XX/XX/year> in the amount {$630.00} and XX/XX/year> in the amount {$430.00}. I had to create an entirely new cash app account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX points on credit report from Equifax, for balance increase ( still within 10 % of the limit, so excellent ), a balance decrease, and a new account opened. How does this become a XXXX points in the credit report?!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block, INC. ) due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely ineffective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there 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 see seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax, I am writing to dispute an unauthorized inquiry that appears on my credit report. I noticed the inquiry while reviewing my credit, having proof that my information was involved in a data leak, I know that these inquiries were made without my permission or proper authorization. 

The inquiries in question are as follows XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation