vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX closed my previous dispute with an automated response** you need to refund me. 
Dear Cash App Support, I am writing to express my deep concern and frustration regarding unauthorized transactions and security breaches on my Cash App account. I have been a victim of cellphone theft, and my account has been compromised, resulting in significant financial losses. I am formally requesting a thorough investigation and immediate resolution of this matter. Unauthorized Transactions The following unauthorized transactions were made using my Cash App debit card : XXXX. {$3000.00} XXXX XXXXXX/XX/year> XXXX. {$3000.00} XXXX XX/XX/year> XXXX. {$2500.00} XXXX XXXXXX/XX/year> These payments were made to XXXX XXXX, a recipient I have no knowledge of or association with. I did not authorize these transactions, and they are a direct result of my stolen identity. Security Breaches There have been unauthorized logins to my account from other countries, including the XXXX. I have never traveled to these locations, which clearly indicates a security breach. Inadequate Investigation I am deeply disappointed with Cash Apps handling of this situation. My previous disputes have been automatically closed without proper review, demonstrating a lack of thorough investigation into these fraudulent activities. Demands for XXXX XXXX. XXXX XXXX : I demand an immediate refund of all unauthorized transactions. XXXX. Proper Investigation : Conduct a thorough investigation into these fraudulent activities and security breaches. XXXX. Compensation : Provide appropriate compensation for the distress and inconvenience caused by this security lapse. XXXX. Chargeback : Initiate chargebacks for all unauthorized transactions. Supporting Evidence XXXX. I have filed a police report with the XXXX XXXX Police Department regarding the identity theft. XXXX. The transactions in question violate Cash Apps terms of service, as remittance services are not permitted. Conclusion My financial institution has denied my disputes because my name was used in the transactions. However, this is precisely because my identity was stolen, including access to my license and other identifying documents. I urge Cash App to take immediate action to resolve this matter, secure my account, and provide the requested refunds and compensation. Failure to address these issues promptly and thoroughly XXXX result in further legal action. I look forward to your immediate response and resolution of this critical matter. Sincerely, XXXX XXXX

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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I do not believe this debt is valid. Asked for forward flow agreement and chain of assignment.

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 status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX not a XXXX party! DO NOT SEND ME A COMPUTER GENERATED TACTIC OR I WILL SUE. Account number XXXX DATE XX/XX/year>. My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt. XXXX agency has been reporting a fraudulent debt to XXXX which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. 
XXXX has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title 15 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE FRAUDULENT account on my consumer report from XXXX XXXX in the amount of {$2800.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
When taking a look at my credit reports I noticed unauthorized inquiries on each of my credit reports ( transunion, equifax and experian ) and unauthorized collection accounts as well as unauthorized closed accounts. I did not give permission for these negative or derogatory items to be reported. I also found out that my information was leaked in a data breach, and I was not notified about the compromise of my information. Even when I dispute the unauthorized information online they do not update with correct information, they just keep old outdated and unauthorized information on my credit report, violating my consumer rights and the Equal Credit opportunity Act and the Consumer Credit Protection Act.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
When taking a look at my credit reports I noticed unauthorized inquiries on each of my credit reports ( transunion, equifax and experian ) and unauthorized collection accounts as well as unauthorized closed accounts. I did not give permission for these negative or derogatory items to be reported. I also found out that my information was leaked in a data breach, and I was not notified about the compromise of my information. Even when I dispute the unauthorized information online they do not update with correct information, they just keep old outdated and unauthorized information on my credit report, violating my consumer rights and the Equal Credit opportunity Act and the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a purchase online through PayPal. However, the seller unilaterally canceled the order and did not ship the product that I paid for, refusing to issue a refund. 
In this situation, I filed a dispute with PayPal along with photo evidence, but it was denied. The seller clearly did not provide a tracking number, yet my case was automatically rejected by PayPals AI document review system, which is extremely unfair. 
I have requested a reconsideration, but there has been no change or update so far. 
Please take immediate action and ensure a proper and thorough investigation into this matter. 

Paypal : Transaction ID XXXX Invoice ID XXXX

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: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Ive had money stolen from my cashapp a few times and because there was no live support agent or chat feature, there was no answers given nor was my money returned. I have been using cashapp for years and this has been an issue on many different occurrences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
My debit and credit card was stolen in my hometown XXXX alaska around XX/XX/year> and XXXX big purchases was made in different stores, XXXX small ones as well in gas stations, whatever the bank only claim the big ones which was fine i did not care, i did a report with the police right away when i notice about my stuff being lost ( my whole purse was ) anyways the bank proceed to reinburse some of the money but they never mention was temporary, now that the claim is denied, i have to pay back that money! So im so frustated not only i got stolen but my bank did not found proofs enought for this, now im on negative numbers in debt with them. Debit cards are blocked with pin numbers how the heck this happened? Also a signature should be requested! Come on!

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: 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: GA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX  XXXX XXXX Misleading Information & Denied Loan Forgiveness To Whom It May Concern, Im reaching out to file a formal complaint against the XXXX XXXX XXXXXXXX for misleading me about my eligibility for loan forgiveness and failing to provide the career support they promised. 

When I first asked about the lawsuit settlement and potential loan relief, a representative told me I didnt qualifybut that turned out to be false. I later found out that I actually did meet the requirements, which means I was either misinformed or deliberately misled. 

Since then, Ive applied for XXXX loan forgiveness program, which is still pending, but I could have pursued the XXXX  XXXX XXXX settlement much earlier if I had been given the correct information. 

On top of that, the university advertised job placement support through their alumni network and career board, yet I never received any help finding employment. I ended up securing my own jobs with no assistance, even though career support was one of the reasons I chose their program.

What Im Asking For : A review of my eligibility for the lawsuit settlement relief I was wrongly told I didnt qualify for.

An investigation into the universitys misleading practices, especially regarding financial aid and job placement claims. 
Any loan forgiveness or financial compensation I may still be eligible for due

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: Early Warning Services, LLC
State: SC

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 concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Small transaction pop-up, stolen funds and no customer contacts only automatic call responses.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX - XXXX - {$8600.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected or remove disputed items despite the evidence I provided cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal law and my right as a consumer

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX Collection Account Unlicensed in Arizona and Invalid Debt To Whom It May Concern, I am writing to formally dispute the accuracy of the XXXX XXXX XXXX account reporting on my credit report under 15 U.S.C. 1681i, as it is incorrect, invalid, and violates state law. This account is listed under a collection from XXXX XXXX XXXX, which I have never had an account with. 

I believe this account is being reported in error for the following reasons : XXXX XXXX XXXX Is Not Licensed in Arizona : As per the National Mortgage Licensing System ( NMLS ), XXXX XXXX XXXX is not licensed to operate as a debt collector in the state of Arizona. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ) prohibits false representations of legal status. As this entity is not authorized to collect debt in Arizona, they are legally prohibited from reporting such accounts in this state. 

Account from XXXX XXXX XXXX  : I have never had a XXXX XXXX XXXX  account, nor have I ever signed any agreement with them. The presence of this account on my credit report constitutes a clear identity theft issue or other error that must be corrected. 

Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, I am entitled to dispute any account that is inaccurately reported on my credit report. Given that XXXX XXXX XXXX is not licensed to collect debt in Arizona, and this debt is not mine, I respectfully request the immediate deletion of this collection account from all three major credit bureaus ( XXXX, Experian, and XXXX ). 

I also request that you thoroughly investigate this issue and confirm the deletion of this account within 30 days, as required under the FCRA.

Failure to investigate or correct this inaccurate information will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Arizona Attorney Generals Office. 
Please notify me in writing that this account has been removed and that my credit report has been corrected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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