vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Thank You Your documents have been sent to the court you selected. You will receive an e-mail notification when your documents have been received. Please use the document ( s ) ID below when referencing this submission. 
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  for sending documents : XXXX The jury in a wrongful-death lawsuit has awarded {$430000.00} to the family of a XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX who XXXX XXXX XXXX XXXXXXXX XXXX XXXX shrimp he ate in a school dining hall two years ago. XXXX XXXX XXXX XXXX, XXXX, of XXXX, XXXX, who was XXXX XXXX XXXX ordered a vegetarian egg roll when he went to supper on XXXX XXXXXXXX XXXX. He was served a shrimp egg roll by mistake, a short time later suffered an XXXX XXXX XXXX  and die. Filing : I would like my document ( s ) to be filed Documents Sent Document Receiver Contact Information Court : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) Phone Number : XXXX NOTE : This email address is for correspondence only, no documents will be accepted through this email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Greenwood and Allen Financial
State: LA

Complaint narrative:
They keep calling and harassing me and calling my family and me for a loan that I dont remember ever getting. Through some company called web loan. The company that keeps calling is XXXX financial services. They threatened to sue me if I dont pay it back and take legal action. And file garnishments against my wages. And freeze my accounts. They call me from multiple different numbers. From multiple different areas. I looked online with XXXX this company is filed with the better business bureau with scam company. There are many other people they are scamming out of money. They are harassing me and threatening me and my family. I need it to stop.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I originally reported a XXXX credit card ending in XXXX, I don't have the full number for I never had an account ending in XXXX. I informed XXXX on several occasions this is not my account. I found out from credit investigation that it was originally opened up by a XXXX XXXX XXXX XXXX. 

My name is XXXX XXXX XXXX. I had fraud about 2 years ago or so, I reported it to the sheriffs office in XXXX XXXX Florida. I then reported it to XXXX and I have complained on multiple occasions. I then receive letters in the mail stating the " account is valid '' when it is not and complete fraud as I have reported for over 2 years now. 

XXXX is ruining my credit and I want this unlawful fraud removed from my credit report. I am asking the CFPB to step in and help for XXXX does nothing to help. 

I have attached all my proofs of identity proving I am not the owner of the XXXX account.

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 2025-03-11 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: MO

Complaint narrative:
I am filing a complaint against EQUIFAX for failing to properly investigate. I want all reported accounts removed. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Furthermore their 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-002 ) against them for similar violations. I request that the CFPB take action to ensure EQUIFAX complies with the federal law and provides customers with the necessary proof of investigation. 
I want reported accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I have noticed the reappearance of negative accounts that had previously been removed, including late payments that are well beyond the seven-year reporting limit. Additionally, there are accounts listed on my report that I do not recognize and believe may be fraudulent or inaccurately attributed to me. Given the recent breach involving Social Security Numbers allegedly accessed by DOGE, I am deeply concerned that my personal information has been compromised, potentially leading to unauthorized activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-03-11 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: MD

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX regarding improper credit reporting due to their failure to notify me of an alleged outstanding balance after I closed my account. This issue has resulted in an unfair negative mark on my credit. 
I initially disputed a transaction on my XXXX XXXX, and the dispute was decided in my favor. During that time, I closed my account, believing that it had been settled at a XXXX balance. However, XXXX XXXX later revoked cashback rewards, creating a balance that I was never informed of through phone, mail, or email. 
As a result, I unknowingly had an outstanding balance, which was reported as delinquentdespite never receiving any clear notification. The only way to access account information was to re-download the XXXX XXXX, an unreasonable expectation for a closed account. This failure in proper communication has led to unjust harm to my credit standing. 
This situation violates several consumer protection laws, including : 1. 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) - Fair Credit Reporting Act ( FCRA ) : Requires financial institutions to provide accurate and complete information to credit reporting agencies. Given that I was never properly informed of the balance before it was reported as delinquent, the reported information is inaccurate and should be removed.

2. 15 U.S. Code 1666 - Fair Credit Billing Act ( FCBA ) : Requires creditors to provide clear billing statements and proper communication regarding outstanding balances before reporting late payments or delinquency. XXXX XXXX and XXXX XXXX failed to provide adequate notice, violating this requirement. 
3. 12 C.F.R. 1026.6 - Truth in Lending Act ( TILA ) : Requires transparency in the disclosure of fees, account balances, and charges. The failure to clearly notify me of the revoked rewards balance violates this rule. 
Given these violations, I request that the CFPB take action to : 1. Investigate XXXX XXXX and XXXX XXXX communication and reporting practices to ensure compliance with federal laws. 
XXXX. Request the removal of the delinquency from my credit report due to the lack of proper notice and misleading communication. 
XXXX. Require XXXX XXXX and XXXX XXXX to implement better notification processes to prevent similar issues from affecting other consumers. 
I believe this case represents an unfair and deceptive financial practice, and I appreciate the CFPBs assistance in resolving this matter. Please inform me of any steps I need to take or any further information required.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Back in 2019 there was an account that was created in my name. To this day nobody is aware of who created the account. However the first time this appeared on my credit report I disputed it. The company continues to say they have reached out but they have not. Upon talking to customer service they have all inaccurate information including the wrong phone number email etc. the email and phone and address on said account has never even been mine. When asking them to validate the debt, I usually get hung up on. When asking for it to be emailed to me I get told we dont do emails. Each time I have reached out to the company, I get told if you dont pay this your credit will be ruined, or threatens me that my card will be repossessed, when I dont even have a vehicle, alls I have wanted for the last SEVERAL years is validation of this said debt and they cant even provide that information. I had to block their number due to the fact that I was getting XXXX calls a day from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am XXXX XXXX XXXX XXXX  and have been using my Mercury XXXX XXXX Account for nearly a year. On XXXX XXXXXXXX XXXX  I unexpectedly received an email from Mercury 's compliance team stating that my account was being closed due to an alleged breach of their Terms of Service. However, the email did not specify the exact violation, nor did it provide any supporting evidence.

This sudden closure has resulted in Mercury withholding my account balance of {$900.00}, which was earned through legitimate business transactions. I have never engaged in any prohibited activities, and there have been no disputes or complaints regarding any deposits made to my account. 

Actions Taken : I immediately reached out to Mercurys support team via hXXXXmercury.XXXX and XXXXmercury.XXXX  seeking clarification and the release of my funds. 
Despite multiple follow-ups, I have received no response from Mercury. 
This lack of communication and unjustified account closure has placed me under severe financial distress, affecting my ability to operate my business. 
Request for Resolution : I respectfully request the CFPBs assistance in : - Obtaining a clear explanation from Mercury regarding the reason for my account closure.

- Ensuring the release of my rightful funds ( {$900.00} ) that Mercury is currently detaining without justification.

As a small business owner, I relied on Mercury for my banking needs and trusted their platform. This situation has caused significant financial and emotional hardship. I urge Mercury to review my case fairly and return my hard-earned money as soon as possible. 

Thank you for your time and assistance. I look forward to a prompt resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-11 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: CO

Complaint narrative:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name # XXXX  XXXX Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX  XXXX Account name # XXXX  XXXX XXXX Account name # XXXX  XXXX XXXX Account name # XXXX  XXXX XXXX ACCOUNT name # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXX  XXXX Account name # XXXX XXXX  XXXX Account name # XXXX  XXXX XXXX Account name # XXXX  XXXX XXXX I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate individual about who the report relates according to 15USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to do this 5 treatment of inaccurate or unverifiable information ( A ) in generalllf after any reinvestigaton under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information of file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information taht the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I am the court-appointed personal representative of the estate of a Minnesota woman who died last fall. She had a deposit at Huntington Bank in XXXX, XXXX. 
After sending XXXX letters and providing the documentation they requested, I began to call to request status. They put me on hold and never took the call. 
They promised to call back but never did. They have refused to call me back. I have called several times. They receive voicemail from me but never respond. I have called 6 times in the 10 days. They will not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX, which appears under the name " IQ Data International INC. '' I would like to formally notify you that the matter with this apartment complex is currently under litigation due to ongoing disputes over the living conditions I experienced while residing there. 

The litigation is still in progress, and as of today, no decision has been reached regarding the outcome. Despite this ongoing legal process, this entry has been placed on my credit report, which I believe is improper given the unresolved nature of the case. It has been more than 30 days since this investigation began, and I am concerned that the entry remains on my credit report despite the fact that the matter is still under legal review. 

I have been actively working with XXXX XXXX XXXX in an effort to have this erroneous entry removed from my credit report. They have been assisting me in addressing this issue, but I would appreciate your cooperation in expediting the process and removing this entry while the litigation is still pending. 

Furthermore, I would like to bring attention to potential violations of the Fair Credit Reporting Act ( FCRA ) under USC 15. Specifically, the laws being potentially violated are : Section 1681i ( FCRA - Reinvestigation of Disputed Information ) : This section requires that when an item on a consumer 's credit report is disputed, the credit reporting agency must investigate the dispute within 30 days. As this issue has extended well beyond that timeframe without resolution, I believe this is in violation of the 30-day limit.

Section 1681e ( b ) ( FCRA - Accuracy of Information ) : The FCRA requires that all information on a credit report be accurate. Since this matter is still under litigation and unresolved, the continued reporting of this information may be inaccurate and violates the requirement that only accurate information be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I am filing a formal complaint against Experian due to their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their negligence in addressing my dispute and verifying the accuracy of information on my credit report. 

On XX/XX/year>, I submitted a dispute to Experian regarding inaccurate and unverifiable information appearing on my credit report. In accordance with Section 609 and Section 611 of the FCRA, I requested proper verification of the disputed account, including documentation proving my liability. Experian failed to provide the requested documentation and instead maintained the inaccurate information on my report, in clear violation of federal law. 

Additionally, Experians failure to conduct a reasonable investigation and correct or remove the unverifiable information constitutes willful and negligent non-compliance with the FCRA, making them liable under 15 U.S.C. 1681o ( Civil Liability for Negligence ) and 15 U.S.C. 1681n ( Civil Liability for Willful Non-Compliance ). Their continued reporting of inaccurate information has caused harm to my credit standing, and I hold them accountable for their negligence.

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