vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I am filing this complaint pursuant to FCRA 6058 ( 15 U.S.C 1681c-2 ) to request that Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This false and fraudulent account consist of a utility account that was opened on or about XX/XX/year> by XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This account is Fraudulent! I have never had an account with them nor the original creditor 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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reviewed my annual credit report with Transunion, XXXX, XXXX and I noticed several hard inquires that did not have permissible purpose.. According to the U.S.C anything furnished on my credit report must have permissible purpose which is stated in 15 U.S.C 1681 B XXXX  Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX None of these Hard Inquiries have Permissible Purpose to be recorded on 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 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Never heard of this company. Never used them, yet they keep trying to put alleged debt on my credit report. I have been requesting information from a debt collection agency that they are using and they illegally put this on my credit and now another account they used a different debt collection agency to put another amount. THIS IS FALSE AND IM SUING THEM and ANOTHER DENT COLLECTION AGENCY FOR THIS ILLEGAL AND ALLEGED DEBT REPORTING THAT I HAVE POINTED OUT TO THEM WITH PROOF THAT THIS US NOT MY DEBT AB THEY HAVE FAILED TO PROVE IT

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 2025-01-22 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: MN

Complaint narrative:
Request for Removal of Inaccurate Information/Late Payments And Bankruptcy and Reimbursement For Damages Under 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) I hope this message finds you well. I am writing to formally request the removal of all late transactions and any bankruptcies ( its been over 10 years for bankruptcy ) as they are in violation of the Fair Credit Reporting Act, specifically 15 USC 1681 ( d ) ( 1 ) ( 2 ) ( a ) i ) As stipulated by the law, transaction are not supposed to be on your credit report.

Additionally, I would like to request reimbursement for any damages incurred as a result of this error. It is important to me that my credit report accurately reflects my financial history, and I believe that this mistake has caused undue harm.

Please confirm receipt of this request and provide an update on the status of my credit report and the reimbursement process.

Thank you for your attention to this matter.

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 2025-01-22 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 have disputed inaccuracies and issues I have identified in my credit report provided by Experian. They responded to me online that the accounts would not change and stay on my report. These errors may constitute violations of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure accurate reporting and thorough investigations of consumer disputes. I reference the recent Consumer Financial Protection Bureau ( CFPB ) actions against credit reporting agencies, which highlighted systemic failures in dispute resolution processes. 

The specific inaccuracies I am disputing are as follows : XXXX. Experian did not provide me proof of debt validation or proof of how they verified the account accurately belongs to me. 
I know Experian did not properly investigate these accounts. That is clear violation of 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
The loan suppose to reflect on XXXX XXXX not my credit line. This makes the information inaccurate and false. This loan is not attach to my personal credit at all and should not be on any of three bureaus.

Im a victim of information is not accurate and loan being applied to non-responsible party. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act protect consumers from inaccurate or incomplete information on their credit reports. These laws give consumers the right to dispute inaccurate information and request that it be removed. Im requesting for it to be removed in five business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
All money return from unsolved problems An all issues I couldn't resolve from the closing my accou ts keeping my money locking me out of my accounts using my accounts after closed an more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 EXXXX 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 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
This company Credit Management Company, have damaged my credit they have put a collection on my account in fact, I signed up for a indegente payment and I was granted, this happened back in the year XXXX  .And now all of a sudden this shame service company Credit Management Company ruined my credit.I never heard of this company and have never received anything from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the Fair Debt Collection Practices Act : Account : XXXX XXXX  Account number : XXXX I received a copy of my credit report from Transunion and XXXX. They are reporting inaccurate information about this account. This charge-off account is reporting I have a past-due balance of {$2600.00}. Also, I disputed this account XXXX XX/XX/year> Report number : XXXX and Transunion XX/XX/year> XXXX XXXX number XXXX. As attached below I received an email from XXXX stating I paid {$11.00} on XX/XX/year> to XXXX XXXX, this is misreported. According to the FCRA, I have the right to an accurate credit report. Please remove this from my credit report and provide me with a new report reflecting this account removed upon completion.

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 2025-01-22 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 am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
Fairway collection took my husband and I to court. We had a judgment placed against us for XXXX. We did not pay that fast enough so the they went to garnish wages. New balance was XXXX. I responded to the garnishment. Due to husband only working pulling large chunks of money would put a hardship on my family of XXXX and I would pay {$100.00} a month on or before the XXXX of every month. The judge accepted this offer. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I payed XXXX XXXX on their website {$100.00} as promised. At the end of XXXX XXXX collection sent another letter again to garnish wages. This time there was no way to set up a payment plan with them. On XX/XX/XXXX they pulled XXXX out of my husband check and on XX/XX/XXXX XXXX for a total of {$1300.00}. I had already payed {$600.00} to them directly. Making the total they got is XXXX. My bank pulled our credit XX/XX/XXXX they advised the last time this account updated was XXXX showing the balance being {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 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:
XXXX XXXX Is reporting a a collection to my credit profile. I have no clue who this company is. I never authorize them to have any of my information.. Ive never signed any contract with them. Ive never done any business with 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
On multiple dates and throughout the years of using cash app I've had various amounts taken from my acc ranging from multiple times in a row of {$5.00} up wards of over XXXX various times the only way to stop it was to lock my card,, I submitted complaints and got back merely nothing as of what I could do about it, never refunded even a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am submitting this complaint because all three credit bureaus did not investigate the accounts I recently disputed I recently sent in letters asking them to do a thorough investigation into the inaccuracies on my report and nothing was resolved.

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 2025-01-22 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: AP

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite Initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
A complaint has been filed against TransUnion regarding inaccurate information on my credit file. TransUnion has not resolved these issues despite my efforts to do so. 

The XXXX XXXX XXXX Account Number is XXXX An incorrect charge-off balance of {$28000.00} is reported for this account. 

XXXX  XXXX Bankruptcy Public Record On XX/XX/year>, TransUnion reported a XXXX  XXXX bankruptcy that had been dismissed. TransUnion is required to verify public records under the Fair Credit Reporting Act ( FCRA ), but no documentation has been provided to support this entry. 

FILE # 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App ( Block , Inc ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Dear Sir/ Madam, I am writing to formally request validation of a debt reported on my credit file, as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681 ( e ) ( b ) and 1681i. My name is XXXX XXXX and my Social Security number is XXXX. I have identified the following debt on my credit report that I believe to be inaccurate or unverifiable : - Creditor Name : XXXX XXXX  - Account Number : XXXX - Amount : {$620.00} In accordance with Section 1681i of the FCRA, I am requesting that you investigate this matter. Additionally, I want to emphasize that I never provided written consent for my information to be furnished or obtained regarding this debt, as required by Section 1681b ( a ) ( 2 ). Please provide the following documentation to validate this debt : 1. The name and address of the original creditor. 2. A copy of the original signed agreement or contract. 3. An itemized statement of the account showing all charges and payments. 4. Proof of your authority to collect this debt. If you are unable to provide the requested validation, I kindly ask that you delete this inaccurate information from my credit report, as mandated by Section 1681i ( a ) ( 5 ) of the FCRA. I appreciate your prompt attention to this matter and expect a response within the legally required time frame. Please send your response to my address listed above. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MO

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 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C1682c. ( 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, 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 non-monetary relief