vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Shop Your Way Mastercard issued by Citibank. As part of security and to prevent fraud, I enabled all alerts whenever a new transaction hit my credit card account. These alerts helped to prevent any fraudulent transaction. For a while these alerts worked fine until it stopped working since early 2024. On XX/XX/year>, I contacted customer service about the issue of not getting any alert. Instead of solving issue, they just sent me a generic message and asked me to contact technical support. I made many calls to the number listed on their website XXXX XXXX XXXXXXXX but they told me they don't have technical support. Many times I was put on hold for hours then they hung up on me. The bank alert system does not work as intended and will provide no protection to consumer. This is a very serious risk. Despite many calls to notify the bank of the issue, they disregard my concerns and never attempt to fix the broken system. I am not also able to see any pending transactions when logging into my online 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
I opened my original account with credit castle holdings when I purchased a water softener for my home XXXX XXXX for XXXX. They said I would have 90 days before I had to make my first payment of XXXX. I would make these payments until the softner was paid off but I was able to make larger payments to pay it off quicker. 
My first payment was made XX/XX/XXXX for XXXX XXXX 
Then every month there after on XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX Payment Timeline and Analysis First Payment : XX/XX/XXXX : {$1000.00} Covers 13 months of payments ( {$1000.00} {$71.00} XXXX payments ), putting me ahead until XX/XX/XXXX. 
Monthly Payments : XX/XX/XXXX - XX/XX/XXXX : {$71.00} paid each month on or close to the due date. 
I remained current through XX/XX/XXXX. 
XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : Late by 26 days. 
XXXX and XX/XX/XXXX : XX/XX/XXXX : {$140.00} Covers two months ( XXXX and XX/XX/XXXX ). 
XX/XX/XXXX : {$140.00} Covers XXXX and XX/XX/XXXX. 
XXXX  : XXXX - XX/XX/XXXX : No payments were made during this period. 
XX/XX/XXXX Catch-Up : My card changed and it was no longer on automatic draft. Once i logged into my account I saw a payment that needed to be made for XXXX so i paid it immediately and set my account back up on automatic draft. 

XX/XX/XXXX : {$640.00} Covers 9 months ( XXXX - XX/XX/XXXX ). 
XX/XX/XXXX- XX/XX/XXXX : My issue is, I have never had a negative remark on my credit and I expected them to at least notify me first to reconcile before just charging my account off then continuing to take payments from me. I went and read the reviews for this company and it is nothing but negative reviews of similar issues with customers. I will also be filing a complaint with the XXXX  because peoples lives are attached to this and they shouldnt be able to do things like this multiple times to multiple people. 

When i log into my account it still says current and is still asking me for my monthly payments. Then when i go to my transaction section it only shows that i have made only about XXXX payments when i have bank statements to prove i have made way more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
I am filing this complaint to formally dispute inaccurate information reported by TransUnion regarding an account from XXXX XXXX XXXX XXXX Account # XXXX, Balance : {$160.00}, Status : Collection/Charge-Off ). Despite submitting multiple disputes with all three major credit reporting agencies, this account has repeatedly been verified as accurate without a proper investigation. However, this account is reported inconsistently across the XXXX credit reporting agencies, raising serious concerns about the legitimacy of their verification process. 

I have attempted several times to resolve this matter directly with XXXX and TransUnion, but they have failed to correct the inaccuracies. Each time I disputed the account, the responses from the credit reporting agencies failed to address the inconsistent reporting. The account details do not match across all three agencies, which directly contradicts their claim that the information has been properly verified. 

TransUnion reports the account as Charged Off - Bad Debt with a past due balance of {$160.00} as of XX/XX/year>. XXXX reports the account as Open with a {$0.00} balance, while XXXX reports it as Secured Fixed Rate with no past due balance. The discrepancies between the credit reporting agencies suggest that the account is being reported inaccurately, making it impossible to verify as correct. 

If this account was properly investigated, the information should be consistent across all agencies, which is not the case. The failure to conduct a proper reinvestigation and correct these errors violates the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in reporting consumer data. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681c ( a ) ( 4 ), negative accounts can not be reported past seven years from the date of first delinquency ( 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: Block, Inc.
State: CA

Complaint narrative:
XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I don't understand where my two checks were mailed to? Was it here? Because the name is the same as here! I don't understand what these two checks are for!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: GA

Complaint narrative:
XX/XX/year> XXXX sold my information to a collection agency. This inaccurate information. I requested for debt validation but has yet to receive any response from either company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: KY

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially have adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I have a collections under XXXX XXXX XXXX account XXXX for the amount of {$250.00}. According to 15-USC-6505 as a federally protected consumer I have the right to opt out and I am asserting my rights through this complaint to CFPB

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a collections under XXXX XXXX XXXX account XXXX for the amount of {$250.00}. According to 15-USC-6505 as a federally protected consumer I have the right to opt out and I am asserting my rights through this complaint to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AZ

Complaint narrative:
I am writing to request the removal of fraudulent accounts on my credit report resulting from recent Equifax data breach. This issue has severely impacted my ability to secure new credit. I appreciate your prompt attention to correct this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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 violates 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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Claims to be debt collector. Receiving multiple phone calls with different phone numbers shown via caller id. Will receive call from claimed debt collector from one random number without any voice message or letter and then 2 months later, another call from the same debt collector with a different number shown on caller ID. When answering call, they dont introduce themselves or identify why they are calling before requesting to speak with the person. Requested information to how they received my personal information, they refused to provide. Requested letter to be mailed with explanation of debt owed, representatives continued to stating that they did not have to provide one. Threatened to either make payment or legal action will occur. Notified that phone calls received by collector are illegal after hours. Claimed to be calling within time zone. Requested for times called, they provide EST time called. Stated that Im in PST time zone. Requested for written record of timestamp, failed to provide. I would even receive a call from credit collector on a Sunday at XXXX PST

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is in response to the compliant I put in for XXXX XXXX XXXX XXXX and they are requesting the same info that I have submitted, they have failed to report accurate information on my credit report. see attached...

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 2025-01-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX, account number XXXX,

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-01-26 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
NOTICE OF REQUIREMENTS XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Subject : Formal Notice of Debt Validation Requirements Account # XXXX, XXXX Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal Dear Midland Credit Management, This letter serves as a formal request for validation of the debts referenced above, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for proper validation and documentation of the claims. 
You are hereby notified of the requirement to provide all relevant documentation in your possession that substantiates the debts and my liability, including but not limited to : 1.The original contract or signed agreement between XXXX XXXX and XXXX XXXX XXXX 
2. The promissory note, if applicable.

3. Truth-in-Lending disclosures and closure disclosures.

4. Documentation of any transference contracts or proof of assignment of the debts.

5. XXXX, XXXX, and XXXX filings related to any associated investment portfolios. 
6. Payoff statements and documentation of any security interests

in investment portfolios. 7. Copies of IRS forms ( W-9 , 1096, 1099-S, 1099-A, and 1099-OID )
related to these accounts. 
8. A detailed statement of the debts, including the principal, interest, fees, and other charges. 
9. A consumer statement, if applicable. 
10. Verification of your claim or ownership of the debts, including legal authority to collect them. 
For clarity and compliance with accessibility standards, I also request : A description of the language and grammar system used in your documentation. 
References to the dictionary utilized for technical terminology. 
A legend for any symbols present in your documents. 
Upon receipt of these documents and verification of the contractual agreement, arrangements for payoff can be discussed. Additionally, provide any policies your company has regarding the transfer of accounts to a trust, should that be applicable. 
In accordance with Public Law 111-203, Title X, 124 Stat. 2092, and 15 U.S.C. 1692g, you are required to respond within five ( 5 ) business days of receipt of this notice. Failure to comply will constitute acknowledgment that no contractual agreement exists or that the debts have been satisfied in full under 15 U.S.C. 1692g ( a ). 
Thank you for your prompt attention to this matter. 
With regards, XXXX XXXX XXXX : XXXX XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.


Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief