vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
( BLOCK , INC ) Due to inadequate customer service and unfair practices, which violate ( 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 2025-02-02 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: TX

Complaint narrative:
I am filing a complaint to request validation of the debt associated with the account numbers listed on my Experian account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
For months I have been overly charged in interest rates resulting in credit card debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-02-02 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding MIDLAND CREDIT MANAGEMENT XXXX, who is attempting to collect on an alleged debt that I believe to be inaccurate and/or invalid. I am requesting an investigation into this matter and the resolution of the wrongful collections practices that are occurring. The specific details of the alleged debt are as follows : Creditor Name : MIDLAND CREDIT MANAGEMENT XXXX Amount Alleged Owed : {$610.00} Date of Alleged Debt : XX/XX/year>2021 Dispute of Debt : I dispute the validity of the debt in question and assert that I am not responsible for this obligation. According to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I request that MIDLAND CREDIT MANAGEMENT XXXX provide me with proper verification of this debt. Specifically, I am requesting : XXXX. A copy of the original signed agreement or contract that establishes the debt ; XXXX. A complete payment history for the alleged debt, showing all charges, payments, and credits ; XXXX. MIDLAND CREDIT MANAGEMENT XXXX has the legal right to collect this debt on behalf of the original creditor ; XXXX. Any judgment or legal proceedings related to this debt. 
Furthermore, under XXXX XXXX. XXXX, I request that all future communications regarding this alleged debt be in writing, and I instruct MIDLAND CREDIT MANAGEMENT XXXX to cease any direct phone contact with me. 

Violation of the Fair Credit Reporting Act : In addition to the dispute of the debt itself, I am invoking my rights under XXXX U.S.C. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate. If this alleged debt is not properly verified, I request that it be removed from my credit reports and that no further inaccurate information be reported regarding this account. 

Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in resolving this dispute. I ask that MIDLAND CREDIT MANAGEMENT XXXX cease all collection efforts until this matter has been thoroughly reviewed, and that they provide the requested documentation to verify the debt as required by law. If MIDLAND CREDIT MANAGEMENT XXXX fails to provide such verification within 30 days, I expect this debt to be removed from my credit records and for further collection actions to cease. 

Please investigate this matter thoroughly and provide me with any updates regarding the resolution of my complaint.

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

Complaint narrative:
FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Creditors and furnishers of information must report accurate and complete information. Reporting a charge-off while simultaneously attempting to collect as an active account is misleading and constitutes inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ) It is unlawful for a creditor or collector to misrepresent the legal status of a debt. If the debt was charged off, it should not continue to be reported as active collection by the original creditor.

FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) A charge-off remains on a credit report for seven years from the date of first delinquency. However, the creditor can not continue to update the status as if it is currently past due when it has been charged off. 

These are the accounts being illegally reported XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must validate a debt within 30 days of my request before continuing collection. If they fail to do so, they can not legally collect on it. 
FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices, including attempting to collect a debt that is not legally owed due to incorrect assignment, lack of validation, or expiration under the statute of limitations.

FDCPA 813 ( 15 U.S.C. 1692k ) I have the right to seek damages if a collector is unlawfully attempting to collect on a debt they have no legal right to.

Below are the accounts from Collection agencies being illegally reported. 
XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
i recently pulled my consumer credit report and i found some items that i don't recognize and they appear to be inaccurate and the items are as follows XXXX & XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX. opened XXXX, XXXX These accounts that were obtained by you were not opened, made nor authorized by me. I have been a victim of identity theft which has resulted in hard inquires and collections being filed to my consumers report.i have also attached a copy of my FTC Identity Theft Report 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 non-monetary relief
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
i recently pulled my consumer credit report and i found some items that i don't recognize and they appear to be inaccurate and the items are as follows XXXX & XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX opened XXXX, XXXX XXXX XXXX XXXX. opened XXXX, XXXX These accounts that were obtained by you were not opened, made nor authorized by me. I have been a victim of identity theft which has resulted in hard inquires and collections being filed to my consumers report.i have also attached a copy of my FTC Identity Theft Report 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 2025-02-03 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: NY

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 2025-02-02 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: MI

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I recently reviewed my credit report and identified the following inaccurate and/or unverifiable information : [ Account Name & Number ] Nature of the Dispute : [ E.g., Incorrect balance, fraudulent account, outdated information, inaccurate payment history, etc. ] Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of this disputed information within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of credit report information. The information in question is inaccurate and is harming my credit profile.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information are prohibited from reporting inaccurate or incomplete data to credit bureaus. If the information can not be verified, you must delete or correct it in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I have enclosed copies of supporting documentation, including [ mention any included documents, such as identity verification, bank statements, or letters from creditors ], which substantiate my claim. I request that you : 1. Conduct a full investigation as required by law.

2. Provide written documentation supporting the accuracy of the disputed information.

3. Remove or correct any information that can not be verified.

4. Provide me with an updated copy of my credit report reflecting these changes.

Failure to comply with the FCRA may result in legal action, including but not limited to a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or a civil lawsuit under 15 U.S.C. 1681n and 1681o, which provide for damages, attorney fees, and punitive measures against noncompliant entities.

Please respond to this dispute in writing at your earliest convenience, but no later than 30 days from receipt of this letter, per FCRA guidelines. 

Sincerely,

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
XXXX XX/XX/scrub> 2023, I experienced significant issues with American Express ( Amex ) regarding travel benefits associated with my XXXX XXXX. I rely on Amex XXXX for its advertised travel protections and benefits, but this situation fell far below my expectations. 

I planned a trip to New York XXXX from XXXX, Maine, with my father and booked the entire trip through Amex XXXX. When preparing to return from New York, my flight was cancelednot once but twiceon a Saturday and again on Sunday. 

I contacted the number on the back of my Amex XXXX card to inquire about coverage for this situation and how I should proceed. Unfortunately, the representatives were unable to tell me if I was covered for trip interruption expenses. They also could not confirm whether I needed to stay at a lower-cost hotel to remain eligible for coverage. Despite my repeated efforts, I was not transferred to the appropriate department ( insurance ) because it was the weekend, leaving me unable to make an informed decision. 

The agents I spoke with both times recommended that I : Save all receipts. 
Continue staying at my current hotel. 
File a claim with Amex upon my return home. 
Following their advice, I extended my stay at the same hotel, resulting in just under {$4000.00} in charges for XXXX nights. When I returned and filed a claim, I was reimbursed only $ XXXX amount that does not come close to covering my expenses. 

Since then, I have been passed from department to department, including Amex XXXX and XXXX ( their insurance provider ), with no resolution. Amex has deflected responsibility, and I have been unable to receive a clear explanation or additional reimbursement for the lack of support provided during my trip. 

Desired Resolution : I am requesting a reimbursement or goodwill refund to cover the additional hotel expenses I incurred based on Amexs representatives recommendations and there lack of ability to transfer me to the correct department when it was needed. I relied on Amexs advertised travel benefits, and the lack of support during a stressful situation caused unnecessary financial hardship still affecting me. 

I trust that the CFPB will review this matter thoroughly and help ensure that Amex addresses this issue fairly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My mortgage has been an issue from the beginning. They fast tracked us through and we closed on XX/XX/year> as the housing market and economy was tanking. Once we closed we were behind from the beginning. We have been battling every since. They have sold our mortgage illegally several times and now I don't even know what or who to believe or pay.

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 2025-02-02 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: KY

Complaint narrative:
Nothing was taken action by the company when I filed an dispute

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 2025-02-02 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: KY

Complaint narrative:
Nothing was taken action by the company when I filed an dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX, acct # XXXX, {$2500.00} XXXX XXXX, acct # XXXX, {$480.00} XXXX, acct # XXXX, {$590.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXX XXXX XXXX, acct # XXXX {$2500.00} Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.Thank you for your immediate action to this issue. 

XXXX XXXX.

Company response to consumer: Closed with non-monetary relief