vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RevMD Partners, LLC.
State: SC

Complaint narrative:
Receiving continues bills from this company. 

XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX RevMD Partners , LLc XXXX XXXX  I have no outstanding debt and have called the hospital to confirm that is so. This company is a scam!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: SC

Complaint narrative:
I am filing this complaint because Equifax failed to conduct a thorough investigation of my credit dispute, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. Despite providing supporting documentation and clear evidence that the information was inaccurate, Equifax did not correct or properly validate the disputed account information. 

Under the FCRA, Equifax has a legal obligation to conduct a reasonable investigation when a consumer disputes an item on their credit report. Equifaxs failure to meet this obligation suggests a lack of due diligence in reviewing the evidence and verifying the accuracy of the negative item in question. 

I respectfully request that Equifax provide evidence of : The specific steps taken during their investigation. 
Copies of any correspondence or verification documents obtained from the data furnisher ( s ). 
Any internal reports or findings that support their decision to retain the disputed information. 
If Equifax can not substantiate a thorough investigation, I ask that the negative item be immediately removed from my credit report pursuant to FCRA requirements. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
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 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 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Amounts processed through Navy Federal do not reflect realtime fund availability cause overages and failed payments. Payments take several days to pend and update by which time other purchases have been made assuming the balance is correct just to find out that everything will end up clearing at once causing other bills to be unpaid, Then fees of XXXX are added to NAVY FEDERAL for insufficient checks and fees doubled at the payer for not being able to debit the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-02-10 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particuarly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my finacial institue and zelle failed to investigate my claums adeqauately. They informaed me that recovering lost funds wa imposiible and that the tracking of the transactions was unfeasible. The findings from CFPB indicate that zelle has not only neglected to protect consumers but also allowed repeat offendersto exploit the system, this was unacceptable and raise serious concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: TN

Complaint narrative:
Discover bank made claims that there was a collection filed in court with my name mentioned I never received any served documents on such cases they claimed I was issued a XXXX dollars and tht was never received please provide documents of court proceedings and signed flow of agreement documents for received money issued with dates and time please see pasted statement below by discover bank {$200.00} security deposit was refunded to you. On XX/XX/XXXX, your account charged off due to non-payment with a balance of {$2300.00}. Subsequently, from XX/XX/XXXX, through XX/XX/XXXX, your account was placed with multiple agencies to assist with collection efforts on our behalf. As of XX/XX/XXXX, your account has been placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, a lawsuit was filed in the Delaware XXXX XXXX XXXX XXXX, Ohio. Should you have questions regarding your account, please contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX. For your reference, all available billing statements on your account have been uploaded to the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I did chat with Aiadvantage about my refund. While they gave me information ablut the refund, When I received the refund check, the amount of the refund was different than what they told me so I contacted Aiadvantage again and the information they gave me about my refund was different than the first information I received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for a mortgage with XXXX XXXX today my phone and e-mail are blowing up with solicitations saying I got your information from trans union that you applied for a mortgageand they dont let me off the line if Im trying to be nice I never gave trans union permission to sell my contact information or my contact information to third partiesit isnt just a small inconvenience..Ive had at least XXXX calls today. I do work on my cell so I can not just reject unknown callers. This is abusive and awful.

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 2025-02-10 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 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 non-monetary relief
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
Ive been in contact with Experian, Equifax & Transunion trying to correct misinformation on my report such as inaccurate addresses & inaccurate names not associated with me that are reporting on my file & they have yet to update the information, which is very mentally frustrating, exhausting & illegal!

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/2022 -- {$3600.00}

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 2025-02-10 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: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XX/XX/year> {$8400.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
My mother had made an account for me with care credit card showing up as SYNCB/CARE CREDIT on my XXXX credit report. I did NOT authorize this account to be made and when I learned she had done this I asked her to take me off of the account. She said she did remove me, and the company confirmed that I was removed off the account XX/XX/year>. I am unsure why it is still showing up and effecting my credit score because this card should only affect my mom since I am completely off the account, and it is under her name now. I don't have any access to this account, and I don't know the account number or credit card number. I need it to stop affecting my credit score please!

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 2025-02-10 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
Sent a collection notice from XXXX XXXX XXXX, NEVER heard of this company or had any said dealing with them...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ), the Department of Government Efficiency ( DOGE ), XXXX XXXX ( a private citizen of the United States ) and his associates. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
I use heartland XXXX XXXXs as my XXXX processor. I stopped using 2 years ago and at the time discussed with Customer Service using them as a XXXX processor but made sure there would be no charges. I was told that was the case. Since then I have been charged a fee of $ XXXX PLUS compliance fees of $ XXXX I also had a chargeback from a processing fee a couple years back where the wrong amount was entered, it was entered as {$45000.00} instead of {$4500.00}. I was charged the full processing fee of 3.5 % for the {$45000.00} and when I tried to dispute could not get anyone on the phone to explain or help resolve the claim, just nothing we can do was the response my Merchant account is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Complaint Regarding Missing Funds from Cash App Transaction Details of the Issue : On XX/XX/year>, I sent a payment of {$2900.00} via Cash App to my landlord through the XXXX XXXX. The funds were successfully debited from my Cash App account, but my landlord did not receive the payment. 

When I contacted Cash App support, they were unable to provide assistance in locating the funds. I also contacted XXXX, who informed me that the payment was blocked on their end. However, despite repeated attempts to resolve the issue, I have not received a refund nor confirmation of where the funds are. 

This unresolved issue has caused undue stress and financial hardship, as my landlord is now pressing me for payment and threatening to refer me to collections for non-payment of rent for XXXX. 

Efforts to Resolve the Issue : 1. I contacted Cash App support and provided proof of the payment, including the transaction ID/Trace ID ( [ insert Trace ID here ] ). However, they stated they could not assist.

2. I reached out to XXXX, who confirmed the payment was blocked but could not locate the funds or provide a resolution. 
3. Despite providing proof of payment, including screenshots and bank statements, neither party has resolved the issue or refunded my payment. 

Resolution Sought : 1. I request that Cash App fully investigate the transaction using the provided Trace ID and confirm the exact status of the payment.

2. I request a full refund of the {$2900.00} if the funds were not properly delivered to the recipient.

3. I request transparency and a written explanation regarding the mishandling of my funds.

Supporting Documentation : I am happy to provide : Screenshots of the Cash App transaction showing the deduction. 
Communication with XXXX and Cash App regarding this issue. 
Bank statements showing the payment was debited. 

This situation falls under the Electronic Funds Transfer Act ( EFTA ), which protects consumers in cases of unauthorized or mishandled transactions. I appreciate your assistance in resolving this matter promptly.

Contact Information : Name : XXXX XXXX Email : XXXX Phone Number : XXXX Thank you for your attention to this matter. I look forward to your assistance.

Company response to consumer: Closed with explanation