vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX Texas, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-20 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: Early Warning Services, LLC
State: TX

Complaint narrative:
accounts were not completely removed from XXXX  XXXX  and early warning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have open a case stating false marketing practices, pressure to attend false promises with job placement tactics. High pressure to continue to take out student loans. Caused financial issues.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian * continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting I my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to i HEr w verify the disputed accounts. E 2. Experian has not provided any proof from the furnishers I m of the disputed information to confirm its accuracy.

3. My disputes have been dismissed without proper reinvestigation, as required by law.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED A REPO ON REPORTS.EXPERIAN IS NOT PROPERLY INVESTIGATING ACCONT

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 2025-01-20 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: SD

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 an 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 the 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 2025-01-20 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 ( Block Inc ) due to inadequate customer service 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 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

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-20 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: GA

Complaint narrative:
I am writing to formally address the impact of the Experian and Equifax data breaches on my credit profile. As a victim of these breaches, I have experienced significant distress and disruption in my financial life, leading to unauthorized and fraudulent remarks on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), I would like to bring to your attention that I am entitled to the removal of all fraudulent remarks from my credit profile. Given that these fraudulent entries have arisen due to the data breaches, it is imperative that they be expunged to reflect the true state of my credit history accurately. The FCRA stipulates that credit reporting agencies must not report any information that is a result of identity theft or fraudulent activity, and my situation clearly falls under this provision.

Moreover, I would like to reference FCRA Section 605 ( b ) ( e ), which specifies that upon receipt of my request, the credit reporting agency has a defined 4 day time frame to complete the investigation into the fraudulent remarks. I expect a thorough investigation within the stipulated time limit, as failure to do so would not only violate my rights but also exacerbate the negative impact on my creditworthiness.

The presence of fraudulent remarks on my credit profile can lead to severe consequences, including denial of credit applications, increased interest rates, and a tarnished reputation among lenders. Such repercussions could hinder my ability to secure housing, employment, and other essential services, further emphasizing the urgency of resolving this matter.

I kindly request your immediate attention to this issue and the removal of all fraudulent remarks from my credit profile as mandated by the FCRA.

Thank you for your cooperation.

Sincerely, [ Your Name ]

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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have had a TJMaxx Mastercard via Synchrony bank for several years. Without warning, they decreased my credit limit by approximately {$500.00}, citing reasons that are untrue. While they mentioned " Too many revolving accounts with high balance compared to credit limit, '' they are skipping over the fact that I have never had even XXXX late payment with any of my accounts. They also cited too many inquiries which I do not have. Them lowering my credit limit actually places my credit in a very bad situation, and possibly places my account with them over the limit. I am requesting that increase my limit back to what it was as assumed credit worthiness is not the same as a person 's actual history of paying their bills without issue.

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 2025-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a rule was established to remove medical debts from all credit reports. These debts are still being reported and are negatively impacting my score. Please remove them

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 2025-01-20 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: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : UNKNOWN Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 2. A detailed account statement showing the amount of the debt, including any fees or interest. 3. Date of Last Activity. 4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 5. Documentation confirming that you have the legal right to collect this debt. 6. Any correspondence related to this account that includes my signature or consent. I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ] [ XXXX ] [ XXXX XXXX [ EQUIFAX ] [ XXXX XXXX To whom it may concern, I just recently looked at my credit report and noticed that some accounts have late payments during XXXX. However I talked to these creditors below and I should not have any missed payments. 

Account Name : XXXX XXXX XXXX  XXXX  Amount : {$1100.00} Reinvestigate and update payment XXXX XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$580.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$1700.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Please cease and desist all calls and contact with me, immediately. 

When asking for validation from EQUIFAX XXXX and XXXX they denot that the changes are updated and has been verified when in fact XXXX XXXX XXXX XXXX and others has fraudulent reportings such as claiming to be the original creditor when I have no sign documents/agreements and therefore I owe {$0.00} to this company and have been asking for 3 years for this wrong/inaccurate information to be DELETED/REMOVE PERMANENTLY ASAP according to 15 U.S. Code 1692g and 1692e of the Fair Debt Collection Practices Act ( FDCPA ) prohibit debt XXXX from making false or misleading statements about debts or their role in collecting them. This includes falsely claiming to be the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ] [ XXXX ] [ XXXX XXXX [ XXXX ] [ EXPERIAN ] To whom it may concern, I just recently looked at my credit report and noticed that some accounts have late payments during COVID-19. However I talked to these creditors below and I should not have any missed payments. 

Account Name : XXXX XXXX XXXX  XXXX  Amount : {$1100.00} Reinvestigate and update payment XXXX XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$580.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Account Name : XXXX XXXX XXXX Amount : {$1700.00} Reinvestigate and update payment XX/XX/XXXX - XX/XX/XXXX to on time. DELETE 30 Day late from my credit report due to violation of 15 USC 16815-2 ( F ) Please cease and desist all calls and contact with me, immediately. 

When asking for validation from XXXX XXXX and EXPERIAN they denot that the changes are updated and has been verified when in fact XXXX XXXX XXXX XXXX and others has fraudulent reportings such as claiming to be the original creditor when I have no sign documents/agreements and therefore I owe {$0.00} to this company and have been asking for 3 years for this wrong/inaccurate information to be DELETED/REMOVE PERMANENTLY ASAP according to 15 U.S. Code 1692g and 1692e of the Fair Debt Collection Practices Act ( FDCPA ) prohibit debt XXXX from making false or misleading statements about debts or their role in collecting them. This includes falsely claiming to be the original creditor.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate consumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifying, 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 Fraud Transfer Act ( EFTA ) in 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IA

Complaint narrative:
There were unexpected fees. Overdraft fees without my knowledge and there is no actual way to speak to a human on cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX  I received back pay from unemployment. On XX/XX/year>, I transferred {$2600.00} to an account owned by my spouse named XXXX XXXX XXXX. The transfer seems to have gone through but out of nowhere they claimed it was fraudulent and took the money and never gave it back. At the time I had made a fraud report that a few XXXX had been stolen out of my account weeks after the transfer to XXXX. I reported the {$2600.00} several times but I got letters saying it was denied. 

Also, my unemployment form 1099G stated that I received {$51000.00} for unemployment however my Bank of American transaction cardholder information sheets sis saying my balance equaled just {$30000.00}. I have called Bank of America for years and have spoken to Unemployment and they have all been not help.

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