vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dispute Explanation for CFPB Outdated Charge-Off & Possible Re-Aging I am filing a formal dispute regarding an outdated charge-off account from XXXX XXXX, which is still being reported by TransUnion and Experian beyond the legal reporting period allowed under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Credit Bureaus Reporting : TransUnion & Experian Account Open Date : XX/XX/XXXX Charge-Off Date : Not accurately reflected Remarks : Unpaid Balance Reported as a Loss by XXXX XXXX, Account Previously in Dispute - Now Resolved - Reported by Subscriber. 
Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA, negative accounts such as charge-offs must be removed after seven ( 7 ) years from the Date of First Delinquency ( DOFD ) that led to the charge-off. 

The original delinquency likely occurred before XXXX, meaning the charge-off should have been removed no later than XXXX. 
The " last activity '' date is inaccurately listed as XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( TransUnion ), which suggests re-aging of the accountan illegal practice under the FCRA. 
I disputed this account last year, but it remains on my report, despite exceeding the 7-year reporting limit.

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Heres a detailed statement that follows the CFPB guidelines : In XX/XX/year>, I discovered that my Social Security number had been compromised in a data breach and sold on the dark web. As a result, a fraudulent Capital One credit card account was opened in my name without my knowledge or authorization. 

Upon noticing this unauthorized account, I immediately contacted Capital One to report the fraud and requested account closure. I also filed a dispute with XXXX to have the fraudulent account removed from my credit report. Despite providing supporting documentation, my dispute was denied. 

I am requesting a thorough investigation and the removal of this fraudulent account from my credit report, as it is negatively impacting my credit history. 

Would you like to add any specific dates, amounts, or additional actions you took ( e.g., filing a police report or freezing your credit )?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 an 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 action 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 XXXX under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

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

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 2025-02-02 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 XXXX XXXX XXXX XXXX ) 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 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
THIS IS A DEMAND NOTICE On XX/XX/year>, Mercantile Adjustment Bureau , LLC, who was collecting on behalf of XXXX XXXX XXXX XXXX XXXX, sent me a picture and text message. The text nor picture indicated who you were attempting to collect from, only that you were collecting for a XXXX XXXX account. The text included a link. I previewed the link and could see it was for my brother XXXX. This is a willful violation of both the TCPA and FDCPA. You have never received prior TCPA consent to contact my phone number ( ending in XXXX ). Despite knowing you had no consent, you sent me both a picture message and text message. The communication not only purposefully identifies that a debt is owed, but also masks who it's for and makes you click on a link to find out. You knew the phone number was not my brother 's, as it has never been associated with him, and willfully told a third party about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: IL

Complaint narrative:
I am writing to report a fraudulent transaction that occurred on my Cash App account and to express my frustration with the lack of support I received from Cash App when trying to resolve this issue. 
scammed through a fraudulent transaction on Cash App. As soon as I realized the issue, I attempted multiple times to contact Cash App 's customer support to report the scam and request assistance in recovering my funds However, my efforts were unsuccessful lack of response, automated replies with no resolution, inability to speak with a live representative,

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

Complaint narrative:
On XX/XX/XXXX, Wells Fargo charged my Wells Fargo Active Cash Card {$2200.00}. The only description provided was " Fraud Disputed Amount '' on the charge itself in my " Transactions '' section on my online account. 

I did not receive any communication about this charge electronically or through mail before or after the charge. It has been 11 days since this charge was made on my card. 

Back on XX/XX/XXXX, someone hacked into my Wells Fargo online account and was able to access all of my accounts. They then took a {$2200.00} cash advance out on my Wells Fargo Active Cash Card. I was sent emailed notifications of this from Wells Fargo ( attached ) and I immediately called the Wells Fargo Online Fraud Department. They were able to close all of my Wells Fargo accounts and open new one 's for me. They then credited {$2200.00} to my new credit card account in order to offset the fraudulent charge. They followed these actions up with a mailed letter explaining how the whole situation had been resolved and settled. 

Then, randomly on XX/XX/XXXX, that {$2200.00} charge appeared on my card. 

I spent over 6 hours of time collectively on the phone, from XX/XX/XXXX, being transferred to almost every customer service department within Wells Fargo trying to understand why Wells Fargo made this charge on my card, and received no answer. Multiple Wells Fargo customer service representatives admitted that this charge was a mistake on Wells Fargo 's end, but did not know how to resolve the issue. Two of the Wells Fargo customer service representatives became frustrated with me and other representatives who transferred me to them, too. 

I also spent over 3 hours in-person at the XXXX, Texas Wells Fargo branch with a banker trying to resolve this issue as well, with no answer as to why I was charged this money, or how I can get the charge reversed. I was simply told both in person at the bank and on the phone with customer service that " you will receive something in the mail explaining this charge in 2-10 business days ''. 

I never received anything in the mail. My husband and I are now forced to search for a Consumer Plaintiff attorney and make a complaint here. This will significantly negatively impact my credit score it this is not resolved, as this charge put my card way over my credit limit for that 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 monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase closed my credit card. ***Why did I, the perfect consumer, get punished by this company by having my card and credit closed and my credit line removed when the problem was caused by a criminal act by a criminal hacker? *** I had/still have a serious complete hack on all devices, laptop stolen. Serious Hacker, literally hanging up my phone calls. Hacker hacking infrastructure. Multiple police reports to report this. FTC Report # XXXX on XX/XX/year>. XXXX Oregon Police Report Made. I have video proof that I was being hacked when I called into Chase ( still am ). I called Chase and asked for autopayment to be turned back on in XXXX and also advised them of the FTC Report made. I believe that it may have been an imposter impersonating a Chase representative because it was not turned back on. 
Tried multiple times to call in to make payments XXXX, XXXX, XXXX when I learned that autopay was turned off ( possibly by hacker. ) I actually able to submit payment in XXXX, and they accepted the payment and still chose to close down account at same time. I was able to get through to pay online in XXXX. Payment was made, and company still chose to close account. All my balances came due and were payed automatically. 
I have had PERFECT CREDIT and perfect payment history on all accounts ( no late payments ) until this credit card issue for 30 years ( XXXX credit score. ) This has caused my credit score to plummet to Poor ( 500 range ) as only negative activity. I have pulled my credit reports and this is the only spot on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
**Subject : ** Formal Complaint Regarding Unverified Debt and Failure to Provide Billing Statements Dear Consumer Financial Protection Bureau , I am filing a formal complaint against midland and XXXX and the XXXX XXXX XXXX for attempting to collect a debt that is not mine and failing to provide proper billing statements to my current address. This debt has been reported to credit bureaus without my knowledge or verification, causing harm to my credit profile. 

Complaint reasons : **Failure to Provide Billing Statements : ** The original creditor, XXXX, failed to send bills or notifications regarding this debt to my current address. As a result, I was unable to address or dispute this matter in a timely manner. 

3. **Credit Reporting : ** The debt has been inaccurately reported to credit bureaus, negatively impacting my credit score and financial standing.

**Relevant Laws Violated : ** 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c : ** Requires that inaccurate or unverifiable information be removed from credit reports. 
2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g : ** Grants consumers the right to dispute a debt and request validation.

3. **Consumer Financial Protection Act, 12 U.S.C. 5531 : ** Prohibits unfair, deceptive, or abusive acts or practices in the financial industry.

**Resolution Requested : ** 1. **Removal from Credit Report : ** I request that this debt be removed from my credit report immediately.

2. **Cease Collection Activities : ** I request that all collection activities related to this debt cease until the matter is resolved. 

Thank you for your attention to this matter. 

Enclosed is 2. Proof of current address-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Block, Inc.
State: GA

Complaint narrative:
Cash app took money from my account and never had a chance to talk with anyone about my issues then they close my account with my money and I wasnt able to get the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
Im filing a complaint against AMCOL Systems , Inc. because they are trying to collect a debt from me without properly proving that I owe it. Ive asked them multiple times for verification, but they have not provided the necessary documents. I believe their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Health Insurance Portability and Accountability Act ( HIPAA ).

I received a letter from AMCOL saying I owe a medical debt XXXX. I responded and asked them for proof that I actually owe this debt, including a copy of the original contract with my signature and a detailed breakdown of any payments and charges, meaning a forensic accounting. They havent provided any of this information, which they are legally required to do under FDCPA 1692g. 

Since this debt is medical-related, I asked them how they obtained my health information and whether they had my authorization to access it. They have not given me any proof that they had permission to handle my medical debt, which could be a HIPAA violation. 

I live in Michigan, and I can not find any proof that AMCOL Systems , Inc. is licensed to collect debt in my state. Ive asked them for verification, but they have not responded. If they arent licensed, they shouldnt be attempting to collect from me. 

I sent AMCOL a written request asking for debt validation and proof that they are legally allowed to collect in Michigan. They have not responded appropriately. 

I asked them to provide a signed HIPAA authorization showing they had permission to access my medical records related to this debt. No response. 

I have attempted to resolve this matter, but AMCOL continues to send collection notices without addressing my concerns.

I Want AMCOL to stop collection efforts until they can prove I actually owe this debt. 

Provide proof of their license in Michigan or stop trying to collect from me. 

Show documentation that they were legally allowed to access my medical information. 

If they cant do any of this, I want this debt removed, and I would like CFPB to investigate their actions. 

This situation has been stressful, and I feel like Im being unfairly targeted for a debt that may not even be mine. I appreciate any help CFPB can provide in holding AMCOL accountable and ensuring they follow the law.

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

Complaint narrative:
On XXXX XXXX at approx XXXX I went to the atm machine of chase bank at XXXX XXXX XXXX XXXX XXXX to deposit {$1000.00} in cash ( 10 {$100.00} bills ). When the machine asked for me to insert the money I put it all in. The machine had a glitch or something because some came back out, I put the remaining bills back in. While I waited the machine reset to main screen. Never giving me a receipt or pushing my money back out. I drove around and went to the drive through window and told the woman what happened. She said dont worry, Ill give you a number to call and theyll put the funds right into your account. Upon pulling away I called and opened a claim. I was told again dont worry the funds will be in your account in a couple of hours. I called back early afternoon as they hadnt put the funds in. I was then told wait until XXXX. Again nothing. Called again at XXXX told again it be there by end of the day I said its Friday night now XXXX. I was told not to worry their day ends at XXXX. Well again it never happened. I called back very upset and demanded to speak to a supervisor. He said hed handle it and the money was finally deposited. I was told an full investigation would be done by the XXXX. Today is XXXX XXXX and I got a letter from chase stating theyre taking back {$930.00}. I immediately called and was told they got only {$66.00} deposited. I said thats impossible as I deposited 10 {$100.00} bills. What do I do? He asked me to hold on.came back after a long wait and said hes sorry but thats what they decided. I said they need to check the cameras theyll clearly see I deposited 10 {$100.00} bills. He wasnt helping. I hung up. Called back spoke to someone else and demanded to speak to a supervisor. He said he could help. I said Ill be at the branch at XXXX Monday morning XXXX XXXX and I expect to see the cameras. He said he would send a message and I could go Monday at XXXX and will be able to see the cameras. As chase customer for almost 30 yrs Im so upset. This glitch in this atm wasnt my fault and they need to look at these cameras and recount the atm money. Its apparent something is off with the amount since theyre stating I only deposited {$66.00}. I plan to close this account Monday and they better figure this out asap and apologize. Now I have to lose time from work Monday for the banks error!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I woke up at XXXX and saw an {$800.00} withdrawal from my XXXX XXXX I immediately call customer service and report it and they lock my account and transfer me to the claims department. The claims department says that since it had just happened it is still pending therefore there isn't anything they could do at the moment. They tell me to call back next morning when it is posted and file a claim. They transfer me back to customer service where the next agent helps me change my user and password and unlock my account. When I go in the app again while on the phone with them I noticed another {$1200.00} withdrawal. I start panicking and asked them how it's possible if the account was locked and I was on the phone with them, they tell me to go to a branch. In the branch an employee assures me that they won't be able to take any more money since I changed my user and password and to call next morning for the claim. I call again at XXXX next morning ( XX/XX/XXXX ) and filed the claim and they tell me they'd be contacting me between XXXX to XXXX business days. I go to a branch right as they open at XXXX and request for my account information to be changed. They tell me the withdrawals were made in the XXXX XXXX branches and ask if I had ever been ; I have not. They change my information and advised me to withdraw what I have left in the case it is an identity theft situation. I called again XX/XX/XXXX for status and they said to wait 2 more days. I call again XX/XX/XXXX and they said that they are placing the funds in my account the following day and sending a letter regarding the investigation. I noticed no funds yet on XX/XX/XXXX so at XXXX I called again to what I ended being told that my case was denied and they will not be placing the funds in my account because " it is a valid withdrawal and I go to that branch all the time ''. I repeated I have never set foot in those branches it was withdrawn from and the video cameras should prove that. I asked for more information but they just mentioned the letter I should receive in ten days with the denial and mentioned that they can only provide more information through a subpoena.

Company response to consumer: Closed with explanation