vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am writing to formally express my deep concern regarding a cryptic and unsolicited email I recently received from American Express. The contents of this email are alarming, as the company explicitly states that it has transferred my personal information to an entity I have no knowledge of and have never conducted business with. This unauthorized disclosure of my sensitive data raises serious privacy and security concerns, especially given the company 's regulatory obligations under the Privacy Act and its commitments to federal agencies, including the CFPB, SEC, and other regulators. 

Additionally, within the body of the email, I noticed a suspicious sequence of coding that appears to be some form of hacking attempt or embedded bug. This raises the disturbing possibility that malicious software may have been embedded in the communication, potentially compromising my personal and financial security. It is highly concerning that a company that claims to prioritize consumer privacyyet has previously experienced a data breach without properly informing me as a potential victimwould engage in such questionable activities. 

Given the severity of these issues, I respectfully request the following actions : 1. ) A formal investigation into this company 's practices regarding data sharing and consumer privacy.

2. ) An explanation as to why my personal information was transferred without my consent.

3. ) An assessment of whether the coding present in the email constitutes a security breach or an attempt to compromise my personal data.

4. ) Immediate confirmation that my personal information is no longer being shared with unauthorized third parties. 
I take this matter very seriously and expect a prompt response outlining the steps being taken to investigate and rectify this situation. If necessary, I am prepared to escalate this complaint to additional regulatory agencies, including the Federal Trade Commission ( FTC ) and relevant cybersecurity authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 actions to prevent and acknowledge 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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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. 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 2025-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX  years ago I has radiology work done through the XXXX. I was covered insurance through my job which was XXXX XXXX XXXX XXXX of XXXX  and I was also ins through the state which I still have XXXX XXXX XXXX XXXX XXXX. This bill was covered through anthem. The radiology only billed XXXX ins which was my secondary. A whole year later anthem reversed the billing saying to radiology they were secondary ins and needed to bill my first insurance and they would cover the balance. Instead they billed me. I gave them all my information they asked for. I also asked for an itemized report for what they were charging me for and they sent a bill with no itemized report. They then sold my debt after I disputed it to a credit company named plus four which I explained everything to asked them to not contact me anymore and they continued to contact me and harass me for months. I disputed it with them as well. Now they have added it to 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian, TransUnion and XXXX are reporting unverifiable bankruptcies on my credit report and violating the reporting requirements that do not comply with FCRA 611 ( 15 U.S.C. 1681I ). I have recently been informed that there is negative information reported by US BANKRUPTCY COURT NEW JERSEY XXXX in the files they maintain under my Social Security number. Upon ordering a copy of my credit report from each, I see XXXX entries from this court listing with Reference filed on XX/XX/XXXX and XX/XX/XXXX. The entry filed XX/XX/XXXX and XX/XX/XXXX with this court appears to be inaccurate. 
I sent a letter to each bureau on XXXX and XXXX XXXX requesting to please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. I have not received any correspondence or update to my credit report. These credit bureaus indicate on the credit reports they verify their information with XXXX. I had requested same with XXXX to which they responded with a letter stating they had reviewed the information from their bankruptcy records and determined the data in question has been removed and their files have been updated after conducting research with their source, XXXX. They also updated my credit file showing the deleted bankruptcy records.This negative reporting has ruined my credit, now have no credit score, was rejected when I applied for an apartment rental and security deposit bond in XX/XX/XXXX and prevented me from getting any other credit, loan or purchasing a new home.

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 2025-02-09 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: MI

Complaint narrative:
I am writing to file a complaint regarding the handling of my dispute concerning inaccurate and unauthorized items on my credit report. I have taken multiple steps to address these issues, but the response I have received has been unsatisfactory and continues to negatively impact my credit score. 

Summary of Events : Dispute Initiation : On XX/XX/XXXX, I submitted dispute letters via certified mail to my credit bureaus and relevant creditors regarding inaccurate and fraudulent information on my credit report. These disputes focused on unauthorized inquiries and a fraudulent account related to XXXX XXXXXXXX XXXX XXXX. 

Key Dates and Actions : Dispute letters were received by the creditors on XX/XX/XXXX, and XX/XX/XXXX. 
In response, XXXX fraudulent account/inquiry was deleted. However, other negative inquiries remain on my credit report with the following reported dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The disputed account originally had a balance of {$700.00}, which has also contributed to the negative impact on my credit. 
Current Impact : Despite my efforts, my FICO score has decreased from XXXX to XXXX. The credit bureaus have stated that certain items are factual record file access and will remain on my report for XXXX years from the date of the inquiry, despite my assertions that these inquiries are unauthorized and fraudulent. 

Actions Taken : I submitted detailed dispute letters referencing my rights under the Fair Credit Reporting Act ( FCRA ), specifically requesting the removal of unauthorized and inaccurate information. 
I have followed up with additional requests for validation of the disputed items, including a request for proper documentation under 15 U.S.C. 1681i, which governs dispute investigations. 
I have provided supporting documentation ( copies of certified mail receipts and relevant correspondence ) to validate my claims. 
Complaint : I believe that the credit reporting agencies and the creditors involved have not fully complied with their obligations under the FCRA by failing to remove inaccurate, unauthorized, or fraudulent information from my credit report. This has led to a significant and unjustified decline in my credit score, affecting my financial wellbeing and ability to secure future credit. 

I request that the CFPB investigate this matter and ensure that my consumer rights are upheld. I am willing to provide further documentation if necessary. Please conduct a thorough review of the dispute resolution process and the information reported by the creditors in question. 

Thank you for your prompt attention to this matter.

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 2025-02-09 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: MI

Complaint narrative:
I am writing to file a complaint regarding the handling of my dispute concerning inaccurate and unauthorized items on my credit report. I have taken multiple steps to address these issues, but the response I have received has been unsatisfactory and continues to negatively impact my credit score. 

Summary of Events : Dispute Initiation : On XX/XX/XXXX, I submitted dispute letters via certified mail to my credit bureaus and relevant creditors regarding inaccurate and fraudulent information on my credit report. These disputes focused on unauthorized inquiries and a fraudulent account related to XXXX XXXXXXXX XXXX XXXX. 

Key Dates and Actions : Dispute letters were received by the creditors on XX/XX/XXXX, and XX/XX/XXXX. 
In response, XXXX fraudulent account/inquiry was deleted. However, other negative inquiries remain on my credit report with the following reported dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The disputed account originally had a balance of {$700.00}, which has also contributed to the negative impact on my credit. 
Current Impact : Despite my efforts, my FICO score has decreased from XXXX to XXXX. The credit bureaus have stated that certain items are factual record file access and will remain on my report for XXXX years from the date of the inquiry, despite my assertions that these inquiries are unauthorized and fraudulent. 

Actions Taken : I submitted detailed dispute letters referencing my rights under the Fair Credit Reporting Act ( FCRA ), specifically requesting the removal of unauthorized and inaccurate information. 
I have followed up with additional requests for validation of the disputed items, including a request for proper documentation under 15 U.S.C. 1681i, which governs dispute investigations. 
I have provided supporting documentation ( copies of certified mail receipts and relevant correspondence ) to validate my claims. 
Complaint : I believe that the credit reporting agencies and the creditors involved have not fully complied with their obligations under the FCRA by failing to remove inaccurate, unauthorized, or fraudulent information from my credit report. This has led to a significant and unjustified decline in my credit score, affecting my financial wellbeing and ability to secure future credit. 

I request that the CFPB investigate this matter and ensure that my consumer rights are upheld. I am willing to provide further documentation if necessary. Please conduct a thorough review of the dispute resolution process and the information reported by the creditors in question. 

Thank you for your prompt attention to this matter.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has XXXX scores and its been more than XXXX they dont update unless i pay for it. I bought a car last XXXX and got some letters from some financial center with my credit score lower than XXXX and its not accurate with XXXX report. Fico the same situation. Called them but the machine never transfer the calls. I am a single mom that pays my bills on time and I need this credits score be accurate. As experian and Fico are lying about my credit and reporting them wrong. With this irresponsible behavior from this XXXX companies I almost didnt get approve for my new car. 
Also i would like to request the removal from all hard inquiries the because of this Non Accurate Information. 
Thank you for your attention and looking forward to hear from you. 
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 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I tried to XXXX XXXX XXXX  for my XXXX birthday party after all I did not gave the party at the place nor was able to dispute to get my funds if {$3000.00} back I dispute with XXXX they telling me to get police report and all never received any info from the merchant and kept denying my dispute please help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
This all started on XXXX XXXX last year, XX/XX/year>. My account was restricted because I had been getting unauthorized charges from XXXX. This was going on for a long time. I would frequently dispute all the charges and try to work with support to truly diagnose the issue but every time they would just refund me usually and issue me a new card. They ended up restricting my entire account, somehow reengineered the User interface of the app to where it turned into a different version of the app where the once XXXX available support chat was not even present. I was limited to emails which even now are overly automated. So the entire process has been incredibly strenuous as well as difficult to navigate. The lack of communication alone has made this beyond difficult.on XX/XX/XXXX, I was finally told in an email that my account was being closed and my about {$6000.00} in funds would be sent in a check to my chose address in 2-3 weeks. It has been over 3 weeks, and I have been emailing them with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/year> XXXX Try to contact company no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting 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. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$12000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$6400.00}, XXXX. XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX Na Account # XXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$430.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$300.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX date opened XXXX XXXX {$250.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


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