vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
SECOND NOTICE FORMAL DISPUTE LETTER ( For XXXXMidland Credit Management Debt Collection Notice XXXX Midland Credit Management , Inc . 
Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Dispute of Debt Cease and Desist All Collection Activity Dear Midland Credit Management, I am writing to formally dispute the validity of the alleged debt referenced in your Pre-Legal Notice dated [ Insert Date ] regarding account number XXXX. I do not acknowledge this debt as mine, and I am requesting full verification under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Disputed Account Details : Original Creditor : XXXX XXXX XXXX XXXX 
Merchant Name : Diamond Preferred Charge-Off Date : XX/XX/year> Current Creditor : Midland Credit Management , Inc . 
MCM Account Number : XXXX Alleged Balance : {$7400.00} I am demanding full validation of this debt, including : A complete account history, including statements and signed agreements proving my liability. 
The original contract or agreement with XXXX XXXX XXXX XXXX that establishes my legal obligation. 
Proof that your company legally owns or has been assigned this debt. 
A breakdown of the alleged balance, including principal, interest, and any fees applied. 
Until the requested information is provided, I am asserting my rights under 15 U.S.C. 1692c and requesting that you cease all collection efforts, including phone calls, emails, and letters. Any further attempt to collect this debt without proper validation may be considered a violation of the FDCPA.

Additionally, if this debt is inaccurately reported to credit agencies, I am requesting its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

If this debt is the result of identity theft, an incorrect charge, or an erroneous assignment, I expect immediate resolution. If litigation is pursued without proper verification, I will consider legal action against your company. 

Please confirm receipt of this dispute and provide the requested documentation within 30 days as required by law. Failure to validate this debt will be considered confirmation that it is invalid and must be removed from any collection or credit reporting activities. 



Attachments ( if applicable ) : Copy of Debt Collection Notice Copy of Any Previous Correspondence Copy of Identity Theft Report ( if applicable )

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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: CBC Companies, Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 fraudulent, inaccurate, and false information consists of : 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  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Subject : Dispute Regarding Unauthorized Credit Actions I am writing to formally dispute a credit issue that has arisen due to actions taken by an individual named XXXX XXXX XXXX. 

To provide context, I relocated to XXXX California with my significant other after experiencing personal challenges following the tragic loss of my father in 2004. During this time, I was struggling with mental health issues and made the regrettable decision to engage in a casual relationship with XXXX XXXX. Despite my clear intentions of keeping our relationship non-committal, XXXX XXXX expressed a desire for something more serious, which I firmly declined. 

During our brief time together, I stayed at her mothers home in XXXX. However, I made it explicitly clear that I did not wish to enter into a formal relationship or cohabitate with her. Subsequently, I moved away while XXXX XXXX was at work and returned to my family in XXXX, IL. Shortly after my departure, I was informed that XXXX XXXX had forged my signature on a lease agreement for an apartment without my consent. 

Over the past year and eight months, I have reconnected with my ex-partner. Since then, XXXX XXXX has engaged in persistent harassment towards both my significant other and me. I reached out to XXXX XXXX mother regarding her daughters behavior, and she advised me to secure my credit. She also indicated that XXXX XXXX has XXXX XXXX XXXX, further complicating the situation. 

To make matters worse, XXXX XXXX has again forged my signature on various documents, attempting to hold me accountable for financial obligations I never agreed to. I have evidence of my financial status during that time, which includes being on public assistance, and I am currently employed as a caretaker for my significant other. 

Additionally, XXXX XXXX brother has reportedly engaged in hacking our social media accounts, causing further distress. We have sought legal recourse through a restraining order against her, but attempts to serve her have been unsuccessful due to her living situation not being registered in her name.

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: TN

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with Experian, it remains unresolved. I requested an investigation of items that I had no knowledge of on XX/XX/year> and within XXXX hours, my request was closed. I am requesting removal of those items because the information is incorrect and does not reflect my true credit history.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with Experian, it remains unresolved. I requested an investigation of items that I had no knowledge of on XX/XX/year> and within XXXX hours, my request was closed. I am requesting removal of those items because the information is incorrect and does not reflect my true credit history.

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: Paypal Holdings, Inc
State: AL

Complaint narrative:
I used PayPal to send the kids XXXX money and PayPal said she received it. 

Case ID XXXX Transaction num 5XXXX To XXXX XXXX from XXXX XXXX XXXX XXXX XXXX

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an XXXX XXXX XXXX XXXX with XXXX XXXX  that I got while living in XXXX. The card is around XXXX XXXX XXXX. I moved to the XXXX and got a SSN in XX/XX/year> and requested that the card gets linked to my SSN so that it gets reported. 

XXXX XXXX  linked the card to my SSN and informed me that it reports to all XXXX  credit bureaus. However, the card only shows on my XXXX and XXXX reports. It is missing from my Experian report and I don't even have an Experian FICO score due to this card not reporting. 

I filed a complaint with XXXX XXXX  and they assured me that the card is reporting to all three bureaus. Please help me get the card reported on my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
XX/XX/XXXX : sent XXXX into XXXX  XX/XX/XXXX : sent another XXXX into XXXX  XX/XX/XXXX : verified my self with a selfie + code + drivers license as they requested with ticket # XXXX all XXXX : verified and emailed them multiple times with NO RESPONSE XX/XX/XXXX : still NO resolution! to my ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
I had lot of fraud going on with my XXXX card and when I tried to contact customer support there was no one there to help me. It was a chat box that did told me that there was nothing that they can do about the transaction

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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Debt validation : 15 USC 1692G Portfolio RCXXXX XXXX- XXXX 1Send detail list of history of payment for this account XXXX I put on XXXX XXXX I would pay this deft 3 Im asking to see has there been any insurance claim filed on this deft 4 I want proof you have the chain of title to collect on this debt.

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: CA

Complaint narrative:
Subject : Feedback on Equifaxs Response to Complaint # XXXX Dear CFPB and Equifax, Thank you for responding to my complaint regarding unauthorized credit inquiries on my credit report. Unfortunately, I find Equifaxs resolution inadequate and lacking proper adherence to the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b - Permissible purposes of consumer reports, a consumer reporting agency may only furnish a consumer report under specific circumstances, such as : 1. In accordance with the written instructions of the consumer to whom it relates.

2. In connection with a credit transaction initiated by the consumer.

3. In connection with the review or collection of an account of the consumer.

The FCRA also outlines that a consumer reporting agency must ensure proper verification of any disputed items, including credit inquiries, and provide documentation supporting their legitimacy. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Agencies must conduct a reasonable investigation to determine the accuracy of disputed items.

15 U.S.C. 1681b ( f ) : No person may obtain a consumer report unless they have a permissible purpose under the FCRA. 


In my complaint, I clearly stated that I did not authorize the inquiries from the following entities : XXXX. XXXX  : XXXX Date : XXXX XXXX, 2024 XXXX. XXXX XXXX XXXX : Inquiry Date : XXXX XXXX, 2024 XXXX. XXXX  XXXX XXXX  : Inquiry Date : XXXX XXXX, 2024 XXXX. XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2024 Equifaxs response fails to demonstrate compliance with its obligations under the FCRA. Simply stating that inquiries are a factual record of file access without providing documentation proving permissible purpose is insufficient and contrary to the requirements of the FCRA. 

I formally request the following : 1. Clear evidence showing that I authorized these inquiries ( e.g., signed agreements, written instructions, or records of transactions initiated by me ).

2. Immediate removal of any inquiries that can not be substantiated with such evidence.

Equifaxs failure to comply with the FCRA by verifying the legitimacy of these inquiries undermines the accuracy and fairness of its reporting. Continued failure to address these violations will leave me with no choice but to escalate this matter through additional legal and regulatory channels. 

I urge Equifax to take this matter seriously and respond with a satisfactory resolution that complies with federal law. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

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: TX

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I would like a 1099 from Synchrony Bank for the Care Credit card they charged off.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am currently going through a background check process to start a new job at XXXX  XXXX XXXX. The background check provider, XXXX XXXX, collected most of my documentation without incident, but noted last week that they could not run a credit bureau report via Experian, due to an error involving my SSN not matching what was on file at the IRS. ( They apparently do not use any other credit bureaus. ) I have determined that they need my middle name for it to match correctly. However, I can't log in to Experian 's website to correct the record. 

As of XX/XX/year>, it takes me multiple tries to log in, including resetting my password ( only sometimes works, if at all ) ; they send verification codes via SMS that either never arrive, or require me to request it twice. I tried updating my record, and creating a new account from scratch, and the site hung up with an error multiple times. 

Experian seemingly does not provide any way to reach a customer service agent. Their automated voice menu does not provide any way to report a technical support issue, and I end up going in circles. 

It only half-recognizes spoken input ( though I can hear someone typing, so *someone* is on the call ) but flat-out refuses to connect to a real person. I tried calling a different main office number and explained my issue, only to be rerouted into the same automated voice menu. 

In searching to see if others have this problem, I encountered *XXXX* of similar reports from other Experian users. The pattern of behavior makes it seem like Experian is actively making it hard for people to update their 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding an error I discovered in my credit report. I have reviewed my credit report and found inaccurate information that I believe needs to be corrected immediately. 

Incorrect Information : XXXX. All XXXX XXXX Account balance are all inaacurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX balance XXXX. XXXX- No knowledge in this account XXXX. BridgeCrest- Disputed several times. Fully paid since XX/XX/year> but still reporting late on my credit. 

I request that you investigate and correct this error promptly. Please update my credit report to accurately reflect the correct information. I am including all my supporting documents.

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