vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
[ XXXX XXXX ] [ XXXX ] [ XX/XX/year> ] Credit Collection Services [ Agency Address ] [ City, State, ZIP Code ] Subject : Debt Validation and Cease Communication RequestAccount Name : [ CREDIT COLLECTION SERVICES ] Account Number : [ Insert Account Number ] To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692. I also invoke my rights under the Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 ( g ).

Under 15 U.S. Code 1681 ( e ) & ( i ), I demand that you provide all relevant documentation to verify the validity of this debt. This includes, but is not limited to : The original signed credit application or contract bearing my signature. 

A detailed account history, including all payments made and any additional fees assessed. 

A clear explanation of how the alleged balance was calculated. 

A copy of any judgment, agreement, or contract binding me to this debt. 

Documentation showing that your agency has legal authority to collect this debt. 

Additionally, under 15 U.S. Code 1692 ( g ), you are required to provide me with a written validation notice containing : The amount of the alleged debt.

The name of the original creditor.

A statement of my rights to dispute the debt within 30 days.

Furthermore, per 15 U.S. Code 1692 ( c ), I am exercising my right to request that you cease all communication with me regarding this matter, except as required by law. Any further attempt to collect this alleged debt without providing the requested validation will be considered a violation of federal law.

Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715,719, your failure to provide the requested proof within the legally mandated time frame will be taken as your admission that no such proof exists and that no such debt is valid. 

If you are unable to validate this debt, you are required to remove any negative reporting related to this account from my credit file with all reporting agencies, in accordance with the FCRA. 

Please provide your response in writing within 30 days of receiving this letter. Failure to do so will result in me pursuing all available legal remedies to enforce my rights. 

Sincerely, [ XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: NY

Complaint narrative:
I received numerous of emails from my unknown source with my information in the email stating that I should pay. They did leave a one 800 number but when called they asked if I want to set up a payment arrangement on the account I wasnt getting anything in the mail And everything was coming through email. From financial recovery service and the original creditor was XXXX XXXX XXXX was contacted on on XX/XX/2025 on more information about the current creditor. There was no real proper information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX late payments. There are fraudulent employers XXXX XXXX XXXX, and XXXX XXXX. There are also inquiries, and addresses that are reported on my consumer report. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( XXXX ) as proof from the US Federal Trade Commission that all of 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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
This is not my account its reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MO

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, unfair practices, and failure to comply with federal consumer protection laws, which violate Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

1. Failure to Prevent and Address Fraud : Cash App failed to implement adequate security measures to protect my account from unauthorized transactions. Despite notifying them of fraudulent activity, they did not take timely or effective action to mitigate the risk or reimburse unauthorized transactions, violating 15 U.S.C. 1693g of the EFTA, which limits consumer liability for unauthorized transfers.

2. Unfair and Deceptive Dispute Resolution Process : Cash App dispute resolution process was misleading and did not comply with Regulation E ( 12 C.F.R. 1005.11 ), which requires financial institutions to investigate errors promptly and provide provisional credit when necessary. They failed to conduct a thorough and good-faith investigation, leaving me without proper recourse or reimbursement for disputed transactions.

3. Lack of Transparency and Communication : Their customer service was unresponsive and failed to provide clear, timely information regarding the status of my dispute, violating CFPA ( 12 U.S.C. 5531 ( a ) ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

These failures have caused me significant financial loss, stress, and inconvenience. I request that the Consumer Financial Protection Bureau take appropriate action to hold Cash App accountable, ensure compliance with federal regulations, and provide proper redress for affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding the presence of debt collection accounts on my credit report that are associated with debt collectors who have been banned by the Federal Trade Commission ( FTC ). These accounts are inaccurrate, misleading, and violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1692 ET SEQ.

The following debt collectors, who have been banned by the FTC, are currently listed on my credit reports : XXXX. XXXX XXXX XXXX, {$450.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$700.00}, opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX  {$2900.00}, opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$260.00}, XX/XX/XXXX These entities have been prohited from engaging in debt collection activities by the FTC due to unlawful practices, including but not limited to deceptive, abusive, and unfair practices in violation of the FDCPA and the FTC Act, 15 U.S.C. 45. Despite their banned status, their acccounts continue to appear on my credit report, causing significant harm to my creditworthiness and financial well-being. 

Also, I have asked repetitively that addresses XXXX XXXX XXXX, XXXX MD XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MD XXXX be removed from my reports as i have updated my address with necessary creditors, and these addresses are still being reported in my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
all three companies refused to dispute all my accounts that wasn't me and they made it like i applied for the items i disputed and none of them do they job due to the disputes come back in minutes or few hours. they refused to do they job.

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 2025-01-30 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: DE

Complaint narrative:
all three companies refused to dispute all my accounts that wasn't me and they made it like i applied for the items i disputed and none of them do they job due to the disputes come back in minutes or few hours. they refused to do they job.

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I filed a complaint with cash app for an item I ordered from XXXX that I filed a claim for instead of disputing the XXXX charge like I asked the disputed the entire charge and denied it when I noticed on the same date that XXXX transactions for Instacart were there and filed a complaint with in a day they denied the claim insisting that myself or an authorized user did it the only XXXX authorized to use my card is me when I requested the documents the used to deny the claim no response I believe that since I filed the claim to dispute XXXX and filed complaints with the better business bureau and the FDIC and the federal consumer protection services that they are retaliating and abusing there power by denying any claim I file without just cause

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX a unauthorized transaction of {$66.00} occurred. Once the payment stopped pending i attempted to dispute through the Chime app. After being denied the money that I DID NOT spend they made the final decision to not return my funds. My debit card information was most likely stolen from a fake XXXX text message i received that I thought was legit. After explaining that they still denied me my funds. The amount isn't much but its the fact Chime claims to have a zero liability policy but wouldnt return my stolen funds to me that just doesnt sit right with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal statement regarding TransUnion 's failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

TransUnion continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy.

Disputed Account ( s ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department XXXX XXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), TransUnion has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as TransUnion has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe.

Under the FCRA ( 15 U.S.C. 1681i ), TransUnion is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute. 



TransUnion 's failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If TransUnion does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that TransUnion immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XXXX XXXXXX/XX/XXXX ( XXXX ) I deposited a check in the amount of {$300.00}. through the mobile check deposit function. On XX/XX/XXXX, I reached out to CashApp to see what the hold up is. Its a government check so I didnt think thered be an issue. What I see when I click on the transaction, is that its pending and that it could take 6 days to process. It says days, not business days. I double and triple checked because I need this money. If I would have known it would have taken this long I wouldve went to the bank to cash it. When reaching out to customer support, I was given multiple different answers, multiple! .what I was told is, most checks are available within 6 days, or maybe up to 8 business days ( yes one says days, and one says business days ), though many are funded sooner, it could take up to XXXX business days, then followed with it WILL be available XX/XX/XXXX. I have attached screen shots below. It is XX/XX/XXXX XXXX and my funds are still not released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CT

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation

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 2025-01-30 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: CT

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I am a victim of identity theft, and inaccurate accounts have been fraudulently added to my consumer report. I have submitted multiple disputes to [ Equifax/XXXX XXXX  under my rights in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, yet these fraudulent accounts have not been permanently removed.

I provided the required documents, including : A copy of my government-issued ID FTC Identity Theft Report A written request specifying the fraudulent accounts Per FCRA 15 U.S.C. 1681c-2 ( b ), once an item is removed due to identity theft, it shall not be reinserted into my consumer report. If any of these accounts are re-added, the credit bureau is violating federal law. 

I demand the immediate and permanent removal of the following fraudulent accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The credit bureau 's failure to remove these fraudulent accounts is harming my financial well-being, and they are in violation of federal law. If this matter is not resolved immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ), my state attorney general, and consider legal action under FCRA 15 U.S.C. 1681n, which allows me to seek damages for willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 a victim of identity theft, and inaccurate accounts have been fraudulently added to my consumer report. I have submitted multiple disputes to [ XXXX/Experian/XXXX  ] under my rights in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, yet these fraudulent accounts have not been permanently removed.

I provided the required documents, including : A copy of my government-issued ID FTC Identity Theft Report A written request specifying the fraudulent accounts Per FCRA 15 U.S.C. 1681c-2 ( b ), once an item is removed due to identity theft, it shall not be reinserted into my consumer report. If any of these accounts are re-added, the credit bureau is violating federal law. 

I demand the immediate and permanent removal of the following fraudulent accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The credit bureau 's failure to remove these fraudulent accounts is harming my financial well-being, and they are in violation of federal law. If this matter is not resolved immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ), my state attorney general, and consider legal action under FCRA 15 U.S.C. 1681n, which allows me to seek damages for willful noncompliance.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation