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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: CA

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ), and Nevada state law NRS 104.9609 regarding illegal debt collection practices, improper credit reporting, and threats of unlawful repossession. 

On XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I received an email from XXXX XXXX, Loss Mitigation Supervisor, demanding that I make a full one-month payment immediately or surrender my vehicle. The email also stated that failure to disclose my vehicles location would be considered " concealment, '' implying criminal action on my part. However, Nevada law ( NRS 104.9609 ) requires formal legal notice and adherence to repossession procedures, which XXXX XXXX XXXX failed to follow. 

Furthermore, when I called their office immediately after receiving the email, I was told that their team closes at XXXX XXXX XXXX XXXX XXXX XXXX Texas time ), leaving me with less than 30 minutes to comply. This is an unfair and deceptive collection tactic, violating the FDCPA 15 U.S.C. 1692e ( 5 ), which prohibits false threats of legal action. 

Additionally, XXXX XXXX XXXX has failed to update my account on my credit report since XX/XX/XXXX, despite my delinquent status. This means they have been knowingly furnishing incomplete and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). If they suddenly update my account after this complaint, it proves their prior non-compliance. 

The email also stated that my online payment portal was blocked and instructed me to submit my credit card details via email, which is an unsecured payment method and a potential FTC security violation. 

I am also submitting this complaint to the FTC, Nevada Attorney General, and the XXXX XXXX XXXX for further legal action. I request a formal investigation into XXXX XXXX XXXX practices, including their failure to properly report accounts and their aggressive intimidation tactics against borrowers. 

Attached are supporting documents including ( XXXX ) the email from XXXX XXXX XXXX, ( XXXX ) my most recent credit report showing that the last reported activity on this account was in XX/XX/XXXX, and ( XXXX ) the FTC complaint confirmation.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ), and Nevada state law NRS 104.9609 regarding illegal debt collection practices, improper credit reporting, and threats of unlawful repossession.

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an email from XXXX XXXX, Loss Mitigation Supervisor, demanding that I make a full one-month payment immediately or surrender my vehicle. The email also stated that failure to disclose my vehicles location would be considered " concealment, '' implying criminal action on my part. However, Nevada law ( NRS 104.9609 ) requires formal legal notice and adherence to repossession procedures, which XXXX XXXX XXXX failed to follow. 

Furthermore, when I called their office immediately after receiving the email, I was told that their team closes at XXXX XXXX XXXX XXXX XXXX XXXX  Texas time ), leaving me with less than 30 minutes to comply. This is an unfair and deceptive collection tactic, violating the FDCPA 15 U.S.C. 1692e ( 5 ), which prohibits false threats of legal action. 

Additionally, XXXX XXXX XXXX has failed to update my account on my credit report since XX/XX/XXXX, despite my delinquent status. This means they have been knowingly furnishing incomplete and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). If they suddenly update my account after this complaint, it proves their prior non-compliance.

The email also stated that my online payment portal was blocked and instructed me to submit my credit card details via email, which is an unsecured payment method and a potential FTC security violation. 

I am also submitting this complaint to the FTC, Nevada Attorney General, and the XXXX XXXX XXXX  for further legal action. I request a formal investigation into XXXX XXXX XXXX practices, including their failure to properly report accounts and their aggressive intimidation tactics against borrowers. 

Attached are supporting documents including ( XXXX ) the email from XXXX XXXX XXXX, ( XXXX ) my most recent credit report showing that the last reported activity on this account was in XX/XX/XXXX, and ( XXXX ) the FTC complaint confirmation.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ), and Nevada state law NRS 104.9609 regarding illegal debt collection practices, improper credit reporting, and threats of unlawful repossession. 

On XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I received an email from XXXX XXXX, Loss Mitigation Supervisor, demanding that I make a full one-month payment immediately or surrender my vehicle. The email also stated that failure to disclose my vehicles location would be considered " concealment, '' implying criminal action on my part. However, Nevada law ( NRS 104.9609 ) requires formal legal notice and adherence to repossession procedures, which XXXX XXXX XXXX failed to follow. 

Furthermore, when I called their office immediately after receiving the email, I was told that their team closes at XXXX XXXX XXXX XXXX XXXX XXXX Texas time ), leaving me with less than 30 minutes to comply. This is an unfair and deceptive collection tactic, violating the FDCPA 15 U.S.C. 1692e ( 5 ), which prohibits false threats of legal action. 

Additionally, XXXX XXXX XXXX has failed to update my account on my credit report since XX/XX/XXXX, despite my delinquent status. This means they have been knowingly furnishing incomplete and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). If they suddenly update my account after this complaint, it proves their prior non-compliance.

The email also stated that my online payment portal was blocked and instructed me to submit my credit card details via email, which is an unsecured payment method and a potential FTC security violation. 

I am also submitting this complaint to the FTC, Nevada Attorney General, and the XXXX XXXX XXXX for further legal action. I request a formal investigation into XXXX XXXX XXXX practices, including their failure to properly report accounts and their aggressive intimidation tactics against borrowers. 

Attached are supporting documents including ( XXXX ) the email from XXXX XXXX XXXX, ( XXXX ) my most recent credit report showing that the last reported activity on this account was in XX/XX/XXXX, and ( XXXX ) the FTC complaint confirmation.

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: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investing my claims adequately. They informed me that recovering lost funds was impossible ask 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: NY

Complaint narrative:
I am filing a complaint against Cash App due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: 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 me to be significantly inconvenienced and suffer 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: 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:
I am filing a formal complaint against Experian, XXXX XXXX XXXX  Credit reporting agencies regarding their handling of my recent credit dispute. Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in several ways, resulting in continued inaccuracies on my credit report. 

Issues at Hand : 1. Dispute Denial Without Proper Investigation : Experian denied my dispute without conducting a reasonable investigation as required by FCRA Section 611 ( a ) ( 1 ) ( A ). I have never signed or submitted any documents that misrepresent the information, yet my dispute was rejected without adequate justification. I never signed anything saying it wasnt fraud either I was never notified at all 2. Illegal Re-Insertion of Disputed Accounts. XXXX XXXX XXXX XXXX XXXX  accounts These disputed account where removed but subsequently reinserted without proper notification, violating FCRA Section 611 ( a ) ( 5 ) ( B ). This section mandates that if an account is reinserted, the consumer must be notified within five business days, including the name of the furnisher and the reasons for reinsertion. I did not receive any such notice. 

Legal Implications : Experians actions are not only in violation of the FCRA but also have caused significant damage to my credit standing. As outlined in FCRA Sections 616 and 617, Experian is liable for willful and negligent non-compliance, which can result in damages, including actual, statutory, and punitive damages, as well as attorneys fees.

Desired Resolution : 1. Immediate removal of the inaccurate and disputed information from my credit report.

2. Written confirmation of the removal and a detailed explanation for the mishandling of my dispute.

3. Assurance of compliance with all FCRA regulations in future interactions.

I am requesting that the CFPB intervene to ensure Experian rectifies this situation and adheres to the legal standards set forth by the FCRA. Their non-compliance has negatively impacted my financial well-being, and immediate action is necessary. 

Thank you for your attention to this matter. 

Sincerely, 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

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 transactions were authorized. 

However, due to delayed posting of charges and credits, was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing in response to a recent indication regarding an alleged debt of {$330.00} discovered on my credit report. Please be advised that I am requesting validation of this debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I am requesting the following : Proof of the Debt : Please provide documentation showing that I owe the alleged debt, including a detailed statement or invoice, and proof that you are authorized to collect on the debt.

Assignment of the Debt : If this debt has been sold or assigned to your agency, I request a copy of the assignment contract or any other documentation proving that you have legal ownership or the right to collect this debt. 

Original Creditor Information : Provide the name and contact information of the original creditor, including the account number with the original creditor, and any agreements or contracts related to the debt.

Itemized Statement : Please provide a full and itemized accounting of the amount owed, including any interest, fees, or other charges. 

Until I receive this requested documentation, I do not acknowledge this debt and request that you cease any further collection efforts until proper validation is provided. 

Cease and Desist Request : In addition to the above, please consider this letter as a formal request to cease and desist all collection activities, including telephone calls, written correspondence, and any other contact regarding this alleged debt. Please note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you stop contacting me immediately unless the requested debt validation is provided or you are otherwise required to do so by law. 

If you continue to attempt collection without providing the requested validation, I will file complaints with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ), and my states Attorney Generals office as the Consumer Financial Protection Bureau ( CFPB ) has already been notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failure 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. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
the account was paid directly to XXXX XXXX in a settlement, and LVNV Funding LLC has it listed on my credit report as a debt. when its paid

Company response to consumer: Closed with explanation