vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CFAM Financial Services, LLC
State: VA

Complaint narrative:
**Subject : Urgent Complaint Against XXXX XXXX XXXX XXXXXXXX and XXXX for Deceptive Practices** Dear CFPB and FTC, I am writing to formally request immediate legal action against XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ) and XXXX for their unethical practices that have severely harmed consumers, including myself.

**Background : ** The recent findings by the CFPB reveal serious violations by XXXX XXXX the Fair Credit Reporting Act ( FCRA ). XXXX 's failure to conduct adequate investigations of credit report disputes has led to significant inaccuracies that affect countless consumers ' credit scores and reports. 

**Key Issues : ** 1. **Inadequate Dispute Investigations** : XXXX process for handling disputes is fundamentally flawed. Consumers are often unable to fully articulate their issues, and even when relevant information is provided, XXXX fails to consider it adequately. This negligence results in unjust harm to consumers ' credit profiles. 

XXXX. **Confusing Communications** : The letters sent to consumers often contain contradictory statements, leaving individuals confused about the status of their disputes and the accuracy of their credit reports. This lack of clarity is unacceptable and further exacerbates the distress experienced by consumers. 

XXXX. **Collusion with XXXX** : It is evident thaXXXX XXXX XXXX XXXX XXXX XXXX through its credit scoring methodologies, has worked in conjunction with XXXX to manipulate consumer credit scores. My own experiences reflect a troubling decrease in my XXXX score, which I attribute to the flawed reporting and investigative processes employed by XXXX, in partnership with XXXX. 

**Request for Action : ** Given these egregious violations and the detrimental impact on consumers ' financial lives, I urge the CFPB and FTC to take decisive legal action against XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Their practices not only undermine consumer trust but also violate established laws designed to protect individuals from such deceptive actions. 

I appreciate your attention to this matter and look forward to seeing appropriate measures taken to hold these companies accountable for their actions. 

Sincerely

Company response to consumer: Untimely response
Consumer complaint received 2025-02-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The debt collection agency put a collection on my credit report even though I disputed the collection multiple times. I asked them for evidence that I owed the funds and their response was the company said they never received the check from rental assistance. I provided evidence from the county that they received and cashed the check as well as rental payments and my security deposit that was kept by the company. I want to be compensated due to the fact that this is still on my credit. After they said they would remove it! I have waited in months and Ive tried to be nice and communicate with them. Either they compensate me and remove it off my credit or I will be forced to file in small claims court with my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: IL

Complaint narrative:
Dear Associated Credit Services I am writing to formally request validation of the debt associated with my account, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g. I have recently been informed of this debt through credit reporting, and I would like to clarify that I do not owe this debt.

Under 15 USC 1692g, I am entitled to request detailed information to verify the legitimacy of this debt. Therefore, I request the following : 1. The amount of the debt.

2. The name of the original creditor.

3. A statement indicating my right to dispute the debt within 30 days of receiving this notice.

4. A detailed account of the charges that make up the total amount claimed.

5. A copy of the original contract or agreement that created this debt, if applicable.

Furthermore, I would like to bring to your attention that the continued reporting of this alleged debt to the credit bureaus, despite my previous requests for deletion, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). As a result, I am seeking {$1000.00} in damages for the violation of my rights due to improper reporting after the deletion request.

Until I receive satisfactory validation of this debt, I request that all collection activities cease, and that you refrain from any further reporting of this debt to the credit bureaus.

Please send the requested validation to my address listed above within 30 days. Failure to provide this information or continued improper reporting will lead me to consider further legal action to protect my rights.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report regarding a late payment that is being reported on my account. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and guidelines provided by the Consumer Financial Protection Bureau ( CFPB ), I have the right to request an investigation into any information I believe to be inaccurate, incomplete, or unverifiable.

The following information is being reported inaccurately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date ( s ) : [ Specific Date ( s ) of the Alleged Late Payment ] I have never been late on payments for this account. The reported late payment is incorrect and does not reflect my payment history. I am requesting that this inaccurate information be investigated and either corrected or removed from 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late payments on my credit profile There are procedures to furnish late payments and must be compliance with the law under Timing of payments 15 u.s.c. 1666B clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reason procedures design to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

1. I requested information from 1637 ( b ) 2.I requested mail tracking number that was not provided 3.mail or delivered 21 days or less 4.Periodic statement was not provide 5. 15 usc 1681 s-2 Negative information law requirement I requested information from 1681a ( p ) states Negative information notice must be provided to the consumer thirty days before or after the negative account been reported to the consumer credit report I never got the negative notice Portfolio Recovery is in violation 15 usc 1681N willfully non compliance civil liability I put the company on notice they fail to investigate my disputes violations under 15usc1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX  have just flat out stolen my money after their own internal error and are refusing to give it back. 

The case IDs where I actually got replies, and my final one that I assume is still open? : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was selling my work through a vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX a payment was made in the XXXX by a XXXX resident. It was made using XXXX  and was supposed to be made through PayPal ( who own Venmo and pay their international payments ). Its supposed to be impossible to pay through XXXX in XXXX, XXXX. My products were bought and the confirmation went through and we let the customer leave. 

The payment was not made through PayPal. We could not access the funds. Id lost the equivalent of XXXX weeks pay. 

The vendor tried contacting XXXX. They were forced to buy a digital XXXX phone number to open a XXXX  account out their own pocket, and the payment was made into the account before the time ran out and we lost it forever. They then werent allowed to access the funds because they dont have a XXXX XXXX  account - which XXXX  knew, because wed told them multiple times that this was the original issue I then took over as the person actually loosing the money. After A LOT of back and forth, I finally managed to get the funds released into my account via cheque ( XXXX XX/XX/year> ). This would take up to XXXX weeks to arrive and theyd have to close my account to do so ( apparently this is the only way, despite being owned and apparently operated by PayPal, who I use daily ) Anywho, its been three months and no cheque and no one in XXXX  will answer any more emails. 

Ive had XXXX reply so far ( XXXX XX/XX/year> ) that has just said that my account has been closed and they cant access the info, and then didnt respond when I said that they dont need to access my account because Im asking for confirmation of an outgoing payment which will be in their financial records. ( I got one other reply asking for my account details, which I dont have, because they closed my account, thats why Id contacted them and told them that was why Id contacted them ) Anywho, they now arent replying at all and I am still two weeks wages down. 

Theyve just flat out stolen my money and are refusing to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
- My ( XXXX XXXX ) PayPal credit was used without me ( the only authorized user of the account ) 's permission. 

I contacted PayPal and SyncrhonyBank, they have NOT responded to me.

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 2025-02-04 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-02-04 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-02-04 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Reached out to Barclay on XX/XX/year> @ XXXX with XXXX regarding options to settle a debt. Offered to payonline but she said it was too old of an account. And said she would need to send me a letter regarding info to settle amount of {$1800.00} which would be 45 % of debt by XX/XX/year> and i would need to pay by check. I did not receive letter. 
On XX/XX/year> @ XXXX, reached out again on status of letter. Spoke with XXXX, and he said he saw info regarding my conversation with XXXX. He said he would again send out letter as a 2nd attempt to send out letter. It is now XX/XX/XXXX, and I have not received letter.

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 2025-02-04 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am contacting you this time to get back the balance in my account ( {$720.00} )! My account was deactivated in early 2022! And square releases my account balance after 90 days of deactivation! But up to now my account is still unable to withdraw the remaining amount to my designated bank account! 
My square account is not frozen in any judicial case! I understand that you froze my account balance for 90 days to prevent account disputes and refund problems! But now 2 years have passed without any pending disputed orders in my account! Please release the money in my account in accordance with square 's terms and conditions! Let me reiterate that I do not need to use the square account anymore! My account can remain deactivated! I just need the money back in my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filling 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 2025-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TN

Complaint narrative:
I'm XXXX XXXX at XXXX I contacted square several times for support, but my request never received a reply. My account was closed in XX/XX/year> and I was told that the funds would be released after 90 days, but so far my money has not been released. 

I just need to get my money back, I have not violated any of your terms, I will not continue to use square payment, please release my balance My account is long overdue,

Company response to consumer: Closed with explanation