vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and properly address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair, 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 a major financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The saga continues & will until Citi admits & corrects their false statements. They need to take care of Consumers accounts better than they have. I do not need them to keep sending the same information over & over again. Question is why if back in XX/XX/XXXX my account was in question & it is a big lie that I refused to provide " authentication '' I only do it verbally since I do not give out my cell # for them to keep send me texts; they have my landline # that's what was used so why then did Citi not address it & freeze my account XX/XX/XXXX? Not wait months later in XX/XX/XXXX!!!! when my Social Security check was deposited? 

Further nothing is said by this Rep 's XX/XX/XXXX about them cashing the same check back in XXXX 3 times-same amount same date etc. Typical to try to sweep it under the rug. 

Point is Citi Agents froze my account did not advise me & then claim I had not sufficeint funds to pay my online bill. I had to try 3 times. Citi & their Fraud Dept need to be investigated. & I will continue to complain to all agencies until something is done. They think that by continuing to deflect the blame on me I'll drop it? 

I'm mad as XXXX & will not take it anymore. You go to their facilities & wait XXXX XXXX  before anyone can assist you. Only have 1 Teller at lunch time on a Friday. The Tellers are over worked & very nice. 

That person or AI generated reply needs to stop wasting my time with lies. Honor up to their blatant mistakes with people 's money.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have been a loyal deposit and XXXX credit card customer at Navy Federal Credit Union since XX/XX/XXXX. During this time, I have spent over XXXX XXXXXXXX on my XXXX and consistently pay off most, if not all, of my balance by the due date. NFCU has increased my credit limit twice, and I maintain a strong credit score of XXXX. Yet, despite this positive relationship, NFCU continues to impose a five-day hold on electronic payments to my XXXX card from my non-NFCU checking accounts, citing the Federal Reserve as the reasonwhile they profit from the interest on my withheld funds. 

On XX/XX/XXXX, NFCU withdrew $ XXXX from my non-NFCU checking account electronically, and I was informed by XXXX, a supervisor at NFCU, that these funds will not be credited to my account until XX/XX/XXXX. Once again, the Federal Reserve is being blamed for this delay. Furthermore, they refuse to reimburse me for the interest lost during this hold period. This practice seems unjust, and I believe it should be addressed as a matter of legality and fairness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Cascade CISS Holdings, LLC
State: CA

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 of information, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXATA 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. 

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 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 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 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 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 writing to formally file a complaint against Experian regarding their handling of inaccurate information in my credit report. Specifically, I believe Experian has violated consumer protection laws by enabling debt collectors such as XXXX XXXX XXXX and XXXX XXXX to continue reporting on debts they have failed to properly verify and debt that include unfair, inaccurate and misleading information despite having filed multiple complaints with over the years. These credit reporting agencies have failed implementing protocols that protect consumers, and continue reporting on disputed debts without properly investigating disputes : This makes it easier for debt collectors to use unlawful tactics to target, abuse and damage consumers credit worthiness while knowingly violating consumer protection rights The following issues highlight my concerns : - 15 U.S.C. 1681i ( a ) ( 1 ) : This section requires consumer reporting agencies to conduct a reasonable investigation of any dispute concerning the completeness or accuracy of any item of information contained in a consumer 's file.

- 15 U.S.C. 1681i ( a ) ( 6 ) : This mandates that after a reinvestigation, if the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must promptly delete the disputed information from the consumer 's file or modify it as appropriate.

- 15 U.S.C. 1681g : This requires consumer reporting agencies to provide the consumer with a notice of the results of the reinvestigation, including the specific reasons for the determination when the reinvestigation does not result in a change to the consumer 's file.

Unethical Acceptance of Furnisher data : Seems to rely solely on furnishers responses without verifying their accuracy, even when the information conflicts with the evidence provided. Also, failure to properly investigate Disputes : Inadequate investigations into disputes I filled as the inaccurate information remains on my report despite clear evidence provided These practices not only harm my financial standing but also undermine the protections afforded by the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws put in place to prevent these abuses by unethical and questionable debt collectors like XXXX XXXX XXXX, XXXX XXXX, XXXX among others. I request CFPB put a stop to these matters and hold these bad actors accountable for any violations of consumer rights.

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 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I really don't have the money to pay this. My insurance paid all of this bill except for {$100.00}. I feel that they all already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am writing in response to your communication regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am requesting validation of this debt. This is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Ive stated and continue to state this account does not belong to me.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically these things : 1. A full detailed list of the payment history of this account 2. I want to see the original signature that I agreed to on the contract for this creditor 3. Has their been any insurance claim found on this debt?

4. I want to see the chain of title that you have to collect on this debt.

I also request proof that you are authorized to collect on this debt and evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. Failing that, the items must be deleted from the report as soon as possible : XXXX XXXX Account # : XXXX Amount {$1200.00} XXXX. XXXX XXXX  Account # XXXX Amount {$1900.00} I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX lvnv funding llc XX/XX/XXXX lvnv funding llc XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX use code 15 usc code 1681s-2 reporting as open and is inaccurate and is a violation.please remove asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
After carefully reviewing my consumer report this inaccurate account XXXX  ( Account Number:XXXX  ), I noticed a late payment, this is inaccurate and is being reported. After closely looking at the Fair Credit Reporting Act, I have made note of violations made in handling the account and thereafter my dispute. Not only is the account billing error but are reporting an erroneous late payment. There are multiple violations in handling this dispute that are clearly outlined in the FCRA within law 15 USC1666. I would like to bring your attention to 15 U.S. code 1666- CORRECTION OF BILLING ERRORS, and blatant violations within these codes.15 U.S. Code 1666 ( a ) failed to acknowledge my dispute within 30 days of receiving it, as required, and 15 U.S. Code 1666 ( b ) failed to provide the results of their investigation within two billing cycles or a maximum of 90 days. Then 15 U.S. Code 1666a ( a ) reported the disputed late payment to third-party credit bureaus before resolving the dispute, which is a direct violation of the law. Also 15 U.S. Code 1666a ( b ) failed to notify me of the names and addresses of the third parties to whom you reported the delinquency while it was in dispute. 15 USC 1666b - timing of payments, the law clearly states : ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose regarding the items above having late payments, it is important to note that those are to be excluded from a consumer report as well, per 15 USC 1666b , so there are various violations your agency is committing by willingly continuing to report this information.

Under these laws, you are required to thoroughly investigate disputes, ensure accurate reporting, and maintain compliance with consumer protection standards. By continuing to report the inaccurate late payment, you are not only violating these regulations but also causing harm to my credit standing. To resolve this matter and avoid further action, I demand that you : Immediately correct the account ( by updating it to " Paid as Agreed '' ), and provide written confirmation of the update and your compliance within 30 days of receipt of this notice.

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