vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
This is for Cashapp. 

On Thursday, XX/XX/year> at XXXX I got paid for a job I did on XXXX. The total amount of this money is XXXX usd dollars. I sometimes send it to my cashapp account with no problem for the past XXXX years now. My cashapp account has never rejected a payment before from XXXX. Its under the same username as known as cash tag name. I realized at XXXX on XXXX XX/XX/year> when I got a text from cashapp that your direct deposit of {$600.00} has been returned to the originator. I waited until XXXX to address the matter for that is when their live agents are scheduled to start working. I addressed the matter like I said at XXXX ( XXXX hours after seeing the text ) and I was told it was for my safety. I find it interesting that now they care about my safety but couldnt solve other issues that was really a concern for me. Moving along, I explained to XXXX which was the agents name who spoke to me on the matter in the cashapp chat. XXXX explained to me but not in a nice way nor in a way that was detailed. The information provided to me was very vague and not helpful towards my matter for it didnt make sense towards what my actual problem was. I further asked for more information on the matter and XXXX changed it to me having unusual activity. Like I said Ive never had a problem before on transferring funds from my XXXX to my cashapp so thats why I was confused why cashapp concluded that this was a form of unusual activity. Unfortunately, now I have to wait more days to get my money back to my XXXX account. I spoke to the XXXX through email and I told them exactly what happened and my issue. Still no progress. The same generated response by someone name XXXX. It went from looking for my safety to Im restricted of certain features. So like which one is it? Hence, this has to be resolved and throughly looked into more than just cashapp because plenty of people like me have been having problems with cashapp and they are not taking responsibility nor accountability for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
A concerning collection entry has unexpectedly appeared on my credit file without any prior notification, raising serious questions about its legitimacy and accuracy. The Fair Debt Collection Practices Act clearly establishes my right to request validation of any claimed debt, yet I was never properly informed of this collection or provided with the necessary documentation to verify its authenticity. This situation requires immediate attention to prevent unwarranted damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Sir/Madam : I have been a victim of identity theft. Please review the attached documents related to this case and the completed identity theft affidavit. Additionally, please refrain from reporting and block any information associated with this case in accordance with XXXX XXXX ( 15 U.S.C. & XXXX cXXXX  ), which mandates the removal of this information within XXXX business days of receipt. 


Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-31 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I challenged the negative items on my credit report, including an unauthorized inquiry. I also requested detailed information on how TransUnion verified the disputed items, including : The date of verification. 
The method of communication used to contact the creditors. 
Whether the creditors provided my Social Security Number ( SSN ) and Date of Birth ( DOB ).

To ensure my identity was verified, I included the following documents with my dispute : A copy of my drivers license.

A copy of my Social Security card.

A recent utility bill as proof of address. 
Despite my thorough efforts, TransUnion refused to conduct the required investigation. On XX/XX/XXXX, I received a response from TransUnion stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation if the accuracy or completeness of any item on a consumers credit file is disputed. By failing to process my dispute and refusing to investigate, TransUnion has violated my rights under the FCRA.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
Cash App ( Block, Inc. ) for inadequate customer service and unfair practices. The complaint alleges that Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving the user 's account vulnerable and unprotected. The complaint also alleges that Cash App 's 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. The user seeks appropriate redress for the inconvenience and financial loss caused by these actions have caused significant inconvenient and financial loss and I seek inappropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 failed to take timely and effective measure to prevent and address fraud on their platform. leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions process was unfair and deceptive as they did not comply with error resolutions requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations E. these actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-31 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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the BSI FINANCIAL SERVICES. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Complaint Details : I am filing a formal complaint against LVNV Funding LLC for engaging in harassing and unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Despite my written request to cease communication under 15 U.S.C. 1692c ( c ), LVNV Funding LLC has continued to contact me regarding an alleged debt.

Their actions include : 1. Repeated and Unwarranted Communications : I have received persistent calls, letters, and/or emails demanding payment, even after I exercised my right to cease communication.

2. Failure to Validate the Debt : LVNV Funding LLC has failed to provide proper validation of the debt upon request, as required by 15 U.S.C. 1692g.

3. Threats and Harassment : Their communications include misleading or intimidating language, pressuring me to make payments on an alleged debt that may not be valid or legally enforceable.

4. Possible Attempt to Collect a Time-Barred or Unverified Debt : The debt they are attempting to collect may be past the statute of limitations or otherwise invalid, yet they continue collection efforts.

LVNV Funding LLC 's actions have caused undue stress and disruption, and I request the CFPB to investigate this matter. I seek enforcement action to stop their illegal practices and request appropriate penalties or remediation. 

Please confirm receipt of this complaint and advise on the next steps. 











XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Subject : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) FDCPA Account Number : XXXX To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC cease all communication with me regarding the above-referenced account, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This letter serves as my official notice that I do not wish to receive any further contact from your company regarding this alleged debt. 

Under the FDCPA, once a debt collector receives a written request to cease communication, they may only contact the debtor to confirm termination of communication or to notify the debtor of specific legal actions. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm in writing that you have received this request and that all further collection efforts, aside from those permitted by law, will cease immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/year> I enrolled my credit card billing into automatic payments and I opted to have the amount {$1600.00} paid automatically. See screenshot where their customer service confirms this. 

On XX/XX/year> I was charged a {$41.00} interest fee for not paying my balance which was due XX/XX/year>. I was called on the XXXX by their customer service to notify me that I am past due on my bill. I was very confused since I signed up for automatic payments, and I immediately paid what I owed. They claim that automatic payments do not actually start working until 1-2 billing cycles for new customers- this is not something I was made aware of when signing up. Since there was no notice that automatic payments DO NOT ACTUALLY WORK even when you sign up, I was late to pay. Over the phone they agreed to waive harming my credit score due since this is a widespread issue they are having.

I contacted their customer service about the {$41.00} interest charge, and they are refusing to waive that charge even though it is their fault automatic payments did not work!!! 

The CS rep even admits that I opted to have the amount {$1600.00} paid when I signed up for automatic payments. Why would they allow that to be an option if it was not going to be automatically paid? They are likely making millions in fees off people who sign up for automatic payments, and miss their payment- like I said, their rep told me over the phone this is a frequent issue people are having!!! 

The credit card is through Bread Financial, a Bread Cashback card, issued by Comenity Capital Bank pursuant to a license from XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX : {$860.00}. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation