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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of the year 2021, I have discovered that I have been a victim of Identity theft, unfair, abusive, and misleading debt collection practices. This letter serves as a formal Notice of Claim regarding the Notices/ complaints sent on, FDCPA & FCRA Violations. As required under Federal Law, this notice is to XXXX XXXX XXXX BANK of the injuries and damages sustained as a result of Identity Theft, and abusive debt collection practices. This claim seeks compensation for damages and emotional distress and provides XXXX XXXX XXXX I do not have a loan with XXXX XXXXXXXX XXXX I have never received anything from this company. Several notices has previously been sent, As silence is acquiescence under the law, silence and can only be equated with fraud where there is a lawful moral duty to speak, or where an inquiry left unanswered would be misleading, whether intentionally or not.This is a violation of my constitutional rights, and federal law. This does also does not follow accounting standards XXXX, XXXX standards require that revenue is only recognized when a company satisfies its performance obligations. This is a also a violation of the XXXXruth and Lending act as well as my consumer rights. I have not ever received a loan please remove this from my consumer report. XXXX XXXXXXXX XXXX  is now liable for damages. Notices have also been sent by certified mail.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
I have never been notified by your company on regarding an alleged debt. I have reason to believe I do not owe this debt because my family or I have never been a patient at XXXXXXXX XXXX XXXX. Also after investigating, XXXXXXXX XXXX XXXXXXXX was permanently closed on XXXX, XXXX, XXXX and I never heard even received notice of this debt from the hospital either. This debt also keeps being placed on my credit score every year by a new collection agency like its a new debt. This is illegal and I am working with a lawyer to sue. I have seen several complaints on the XXXX about this company and people being charged for a service that was never rendered.

I request all of the following information be provided to me by mail : * 1. The amount of the alleged debt ; * 2. The full name and mailing address of the original creditor for this alleged debt ; * 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; * 4. Documentation showing you are licensed to collect debts in Texas.

Because I am writing, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/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: 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX 2. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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 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: NC

Complaint narrative:
I am filing a complaint against Cash app block Inc due to inadequate customer service and unfair practices, which violate the customer service financial protection act CFPA Specifically cash app failed to take timely and affect the measure to prevent an address fry 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 fraud transfer act EFTA and regulation E these actions have cause significant inconvenience and financial loss and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Roycroft Management
State: NJ

Complaint narrative:
Today my sister received a call from the same company I reported a few months backXX/XX/XXXX stating she was pin of interest they were once again looking for me stating I took out a payday loan n that there supposed client was now filing a judgment against me for non payment I am really getting fed up with this company as I NEVER in my entire life taken out a payday loan Ive filed for identity theft and been told my Information was exposed on the dark web this has literally been a nightmare I suffer from severe anxiety and its been extremely hard to regain my life back I just want the calls to stop n the harassment to stop as this is becoming ridiculous this is the number they contacted me off this XXXX please help

Company response to consumer: Untimely response
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The impact of the inquiries from your company on my credit report has been ongoing and harmful.

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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Selling Information Truist Bank and/or their subsidiaries or/and TRUIST family, TRUIST Financial Corporation, violated their privacy act in their term and conditions. TRUIST BANK is providing or/and selling non-public personal information with a non-affiliate. XXXX XXXX XXXX is not an affiliate of TRUIST BANK and/or its subsidiaries. The transaction history from the XXXX XXXX XXXX consumer file verified TRUIST Bank shared non-public personal information with a non-affiliate. 

False Advertisement TRUIST BANK and/or their subsidiaries are giving false advertisements on their products that Truist Bank and/or their subsidiaries provided insurance for the item deposited. The deposited items are supposed to be insured by the XXXX XXXX XXXX XXXX. Truist Financial Corporation is the holding company for the items deposited. This information was never disclosed upon opening the account that TRUIST BANK and or its subsidiaries will have the decision to practice their fractional reserves, Insolvency If TRUIST BANK and/or its subsidiaries can not meet the depositor demand for the deposits. That should be an indication of insolvency upon the bank and the FDIC- should be notified immediately or any other government agency as necessary. 



Deceptive Business Practices TRUIST BANK and/or its subsidiaries use service agreements to benefit their corporation and not the depositor. The value of an account is not only the current balance ; it also includes, pending transactions ( as shown on the XXXX XXXX XXXX consumer file ), deposits, accrued interest, any account linked, etc... The account ( s ) should be accredited for every debt.

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 status incorrect
Company: Wilco Finance, Inc
State: NC

Complaint narrative:
I had a car I have it back made payment on it but they never owned the car. But before I found this out I had already have it back but I returned the car it was auctioned off but they still reported late payments on my credit when I didnt even have the car anymore.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
On XX/XX/XXXX3/24,XX/XX/XXXX/24, XXXX/XXXX/24 I submitted multiple formal disputes to ChexSystems regarding inaccurate and unauthorized information on my consumer report. Specifically, the information pertains to a fraudulent account linked to XX/XX/XXXXXXXX that was opened without my consent, as I am a documented victim of identity theft. 

To support my dispute, I provided ChexSystems with the following documentation : A copy of my government-issued ID ( drivers license ). 
A copy of the police report I filed regarding the identity theft ( Report # : XXXX XXXX ). 
Relevant communication showing the fraudulent nature of the account. 
Despite submitting all required evidence, ChexSystems dismissed my dispute as " frivolous or irrelevant '' and failed to conduct a proper reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ). Their response claimed that a prior investigation had already been completed and that no further action was necessary. 

This response is unacceptable, as it disregards the clear evidence I provided and violates the FCRA 's requirement to verify disputed information or remove unverifiable data. ChexSystems has failed to meet its obligations to investigate thoroughly, leaving fraudulent information on my report that continues to harm me. 

I demand that ChexSystems : Conduct a proper investigation of the fraudulent account. 
Remove the inaccurate information from my consumer report. 
Provide a detailed explanation of their reinvestigation process. 
Failure to address these issues leaves me with no choice but to escalate this complaint and take legal action. Other consumer reporting agencies like XXXX and XXXX have faced similar scrutiny for failing to address disputes properly, and this case highlights the same systemic issues at ChexSystems.

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: GA

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to inaccurate 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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceitful 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I pulled a TransUnion Credit report. I noticed there are some inquires are not authorized by me. I've tried contact the creditors and they did not reply yet. Thus I want TransUnion resolved this matter as soon as possible. 
1. XXXX XXXX XXXXXXXX XXXX XXXX 2024 2. XXXX XXXX XXXX XXXX 2024 3. XXXX XXXX XX/XX/year>2024 4. XXXX XXXX XX/XX/scrub> 2024 2024

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I attempted to transfer funds to my personal local bank and close account but the website will not allow me to do it, thus, I got on chat. attached is my chat screenshots as they continue to refuse to make a transfer or wire from my account to the bank I requested

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Im writing to file a complaint against Navy Federal credit union regarding multiple over draft fees I have occurred.Despite having sufficient funds when transaction was authorized.I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent Cpfb findings of Navy Federal for similarl practice, where transactions settled with insufficient balance despite initially available funds.I believe these practices are unfair an request an investigation into my account transactions.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XX/XX/year> Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX, Synchrony Bank XXXX : {$3000.00} charge Following my narrative, you will see a XX/XX/year> letter from your Customer Service Department, claiming that I owe {$3000.00} on the account noted in that letter. However, you do NOT support your claim with any specific evidence ; therefore, I request that you promptly honor the three REQUESTS, listed below. 

REQUEST : Send me a copy of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX statement that shows the credit of {$3000.00} that you claim was " erroneously applied '' to my account. 
REQUEST Send me a copy of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX statement that shows the OTHER credit of {$3000.00} issued by Synchrony Bank. If your " erroneously applied '' credit claim is accurate, then you should be able to show when the " first '' credit of {$3000.00} and the " second '' credit of {$3000.00} were issued by Synchrony Bank. 
REQUEST : Send me a copy of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX statement that shows when the debit of {$3000.00} first appeared on the account noted in your letter. 

SYNCHRONY BANK XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> NAME : ___________ Account Number Ending In : _______ Dear NAME _________, During a recent review of our account records, we discovered that we erroneously applied a payment in the amount of {$3000.00} to your XXXXXXXX XXXX XXXX XXXX XXXX XXXX account. 

To correct this error, we have charged your account for the same amount of the payment in order to reverse the payment. The adjustment will be shown on your next billing statement. 

Please accept our apology for any inconvenience this XXXX have caused you. 

We appreciate you as a valued XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX member and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at the toll free number below. Sincerely, Customer Service Department. 

Sincerely, Customer Service Department XXXX Account is owned by SYNCHRONY BANK

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am filling this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of this item as it does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Okay basically I got notified by a manager that they do not believe I am who I say I am and basically just because I submitted documents that doesn't verify me even though that's what they ask for I submitted all documents necessary I completed all steps necessary and the manager told me out of his own mouth that the reason why my restriction is not listed is because he does not believe that I am a XXXX XXXX XXXX man and that he spoke to the real XXXX XXXX XXXX man and that the account will be closed but today the account is still open my payment are late and missed because I am restricted out of my online account so I will begin taking actions to file a lawsuit I already have my lawyer ready I am gathering all documents and information so I am requesting that we get all phone calls that were recorded from when I called when the the card first open back in XXXX so I'm requesting recorded calls and I've already have started documenting the employee names etc and I want other people to look at my experience and try to find a alternate method when it comes to getting credit cards because this company is not following proper procedures and it is causing me to be behind on bills and ruining my life which is not fair as a XXXX XXXX XXXX man

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