vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to their 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 accountable 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 ) under 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 2025-02-11 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:
I have an account negatively reporting on my credit report that XXXX XXXX has proven is not mine! I filed a compliant last month regarding this issue requesting VALIDATION. The response confirmed the false information by citing a completely different account number than the one referenced in my compliant.

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 2025-02-11 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have an account negatively reporting on my credit report that Chase Bank has proven is not mine! I filed a compliant last month regarding this issue requesting VALIDATION. The response confirmed the false information by citing a completely different account number than the one referenced in my compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NJ

Complaint narrative:
back in XXXX  ( apologies i wrote XXXX previously ) I sent over XXXX to my landlord, because of the cash tag being incorrect it went to someone else. I reached out to cash app to see if they would help me, at least open up an investigation or credit me the amount, anything. instead they pretty much said it was my fault and never refunded anything. since then I lost that cach app password and had to create a new one and am soooooo super careful with this one now. 

Also XXXX will not let me into my account. When I try to access the acct they ask for my personal ID, then say I don't have an account with them. YET when I try to create a new one the system says my social already exists with they're site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am writing to bring to your attention some discrepancies I have identified on my credit report. 

Upon reviewing my report, I noticed inaccuracies related to late payments. These entries are incorrect and are negatively impacting my credit profile. 

I kindly request that you take the necessary steps to rectify these errors promptly. Please correct, modify, or delete the inaccurate late payments from my credit report. 

Below, I have provided details of the discrepancies : ================ XXXX XXXX Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============ XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ============== XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late ================ XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX XXXX of Payments Please Update to Never Late

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 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I was sent a letter by XXXX XXXX XXXX XXXX XXXX the number given is XXXX XXXX XXXX and gave a XXXX XXXX XXXX XXXX  permit # XXXX. Is this a scam or a legitimate company?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am contacting you regarding an inquiry on my credit report that I did not authorize, and which has no permissible purpose under the law.

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 2025-02-11 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:
Sent dispute audits on XXXX XXXX XXXX. Credit Reporting Agency did not provide what was asked for and repeatedly sent stall tactic letters as responses of collection company verifying account without verification or validation being provided. collection company still in this over a year of attempting to resolve directly has not provided what is needed to continue to actively report. credit reporting agency did not receive any true validation or copy of such.

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 2025-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am filing a formal complaint against [ Debt Collection Company ] for attempting to collect a debt without proper validation and for violating the Fair Debt Collection Practices Act ( FDCPA ).

The company has contacted me regarding a debt they claim I owe. However, when I exercised my rights under 15 U.S.C. 1692g of the FDCPA and requested proper validation of the debt, they failed to provide sufficient proof that the debt is valid, that I owe it, or that they have the legal authority to collect it.

Additionally, despite their failure to validate the debt, JEFFERSON CAPITAL SYSTEMS LLC has continued its collection efforts, which constitutes a violation of the following FDCPA provisions : 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f Prohibiting unfair or unconscionable means to collect a debt.

15 U.S.C. 1692g ( b ) Requiring collection efforts to cease until the debt is properly validated.

Furthermore, I have reason to believe this debt was purchased by JE
FFERSON CAPITAL SYSTEMS LLC and they have not provided adequate documentation to prove its validity. Their continued attempts to collect without proper verification are not only unlawful but also misleading and harassing.

I am requesting that the CFPB investigate this matter and take appropriate action against JEFFERSON CAPITAL SYSTEMS LLC for its violations of federal debt collection laws. I would also like this company to cease all collection efforts unless and until they can provide complete and verifiable proof of this debt in compliance with federal law. 

Please let me know the next steps regarding this complaint. I appreciate your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
My loans are set to autopay but they are not automatically taking my payment on the date that it says. I will check a day or two later and it says I owe a past balance. I have to manually pay my payments every single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Hello, I was wondering if I could get your help or advice I cosigned for a domestic partner two years ago on a XXXX XXXXXXXX XXXX for {$20000.00}. He paid {$840.00} every month excellent payment history until his recent passing XXXX XXXX XXXX now Im being told that I owed over {$30000.00} on this vehicle. I have no clue as to what to do. this will put me into bankruptcy. credit acceptance refuse to make any type of settlement with me. even though the car bluebook value is {$4000.00} I was wondering if you all could help or give me some advice. I truly appreciate it. 

Thank you for your time 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 2025-02-11 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: FL

Complaint narrative:
I sent a letter to Experian, Equifax, and TransUnion to inform them that there is inaccurate credit report information to accounts that state accounts charged off for a certain amount Under the Fair Credit Reporting Act, neither the bureaus nor the individual companies fix these errors and removed them of my credit report. The three accounts in question that have the " written-off '' and " charged-off '' issues are as follows : XXXX. XXXX XXXX {$530.00} written off {$530.00} past due as of XX/XX/year>. The date listed conflicts with the charge-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading account of the debt and has not been removed or corrected. 
XXXX. XXXX XXXX {$2500.00} written off {$2500.00} past due as of XX/XX/year>. The date listed conflicts with the charge-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading account of the debt and has not been removed or corrected. 

In addition, none of the credit bureaus have removed any old information from my credit reports, like old names, addresses, and personal information, plus closed accounts, which are causing damage to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 sent a letter to Experian, Equifax, and TransUnion to inform them that there is inaccurate credit report information to accounts that state accounts charged off for a certain amount Under the Fair Credit Reporting Act, neither the bureaus nor the individual companies fix these errors and removed them of my credit report. The three accounts in question that have the " written-off '' and " charged-off '' issues are as follows : XXXX. XXXX XXXX {$530.00} written off {$530.00} past due as of XX/XX/year>. The date listed conflicts with the charge-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading account of the debt and has not been removed or corrected. 
XXXX. XXXX XXXX {$2500.00} written off {$2500.00} past due as of XX/XX/year>. The date listed conflicts with the charge-off status. The balance reporting as " written off '' and " past due '' simultaneously creates a misleading account of the debt and has not been removed or corrected. 

In addition, none of the credit bureaus have removed any old information from my credit reports, like old names, addresses, and personal information, plus closed accounts, which are causing damage to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I purchased XXXX gift cards each {$750.00} from American Express using my Amex card ending in XXXX. Amex states that these gift cards can be used online and in the stores. However, the cards are always declined, including merchants, such as XXXX and XXXX and can not be used. I contacted Amex support but they said to call the gift card support line. I called them and they said that the cards can be used online without restrictions. They did not give a response why I can not use these cards online. I searched online and saw that this is a systematic issue with the Amex gift cards as discussed on XXXX in this thread : XXXX XXXX XXXXXXXX I attach the file with each of the gift cards and the transactions screenshots from the Amex credit card used to purchase the gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

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 2025-02-11 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The disputes investigated by TransUnion are based on outdated information obtain from the Furnisher or creditors. The TransUnion experience multiple data breaches including a XXXX breach that did irreparable damage to my now bad credit report. The results of the breach to my private information being falsely and inaccurately being reported to the TransUnion company. The Negative reports should be Deleted from my 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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity go this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
They started reporting my account inaccurately about 2 months ago. I voluntarily surrendered the vehicle. And this was not impacting my credit score enough, so it appears that they tried to change the report to foreclosure repossession. This is fraudulent activity. It is clearly in the files that I voluntarily surrendered the vehicle and it changed 2 months ago. Please explain why the Credit Reporting Agencies never picked up this fraudulent report. See attachment because they are all reporting differently. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX Account Number : XXXX Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief