vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
My PARENTS were contacted by Transworld systems. The company did not say what they were calling about or that they were a debt collection agency. After researching the phone number, I found that they are a collection agency. I searched my credit report and see that XXXX submitted me to collections in late XXXX for over {$1800.00}. I do not have XXXX service or equipment. I tried them for a short time last summer, but returned the phone within a matter of days and the internet equipment, after realizing that I could not afford their service or the phone. XXXX, in my opinion used predatory practices in signing my up for their service and credit card, and had they done their due dilligence, would have found I am unemployed and unable to afford their service. After cancelling the service and returning the phone, I never heard another word from XXXX, other that the XXXX credit card- which I am making on-time monthly payments on. Now on top of the credit card debt, the collection agency says I owe another XXXX to XXXX? For WHAT? Have they been continuing to bill me for the monthly phone plan? The internet service? The equipment? I have none of it, nor have I ever even received a bill from them, as the service was cancelled before a bill would have even generated.

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

Complaint narrative:
Cash app I've had money taken from more than one account. This most recent one I had XXXX spent on crypto by a hacker. I don't know how they keep accessing me, I filed a claim in the lawsuit but now they say they never received my claim and I can't file now. Plus I have two accounts with nearly XXXX dollars that they have held into for nearly 8 months XXXX XXXXXXXX and XXXX XXXXXXXX and I called and gave them all the appropriate info before and they won't release my money saying that I have to call back and do it again for months they did this. I don't even remember the info associated with the account no more because since the cash app breach my phones have been hacked like crazy and I've lost millions in crypto from hackers and my phone company sees the hacking along with XXXX security but they don't notify me or send me docs as I've requested so I can try to recover my crypto. Or ticket info or embedded materials that have been scraped off my phone and exported and shipped to foreign banking institutions. Currency in many forms embedded in my phone has been stolen many times in many devices and I need assistance. I can't get reports or investigations done from XXXX oh, no one helps, so I need a person to help and guide me my identity has been stolen to breach my accounts and platforms with my passwords etc. So this is my complaint and I have identity theft protection but they won't even take a claim XXXX is one of them for identity theft and I need them to pay my losses in embedded USD and other currencies that had been uploaded to my special effects before they stole everything.

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: WA

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 cause 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 — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XXXX XXXX XXXX This company refused to work with me on any type of debt resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AP

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AZ

Complaint narrative:
Virtuoso Sourcing Group in XXXX XXXX attempting to collect non-existent debt from XXXX XXXX for fees not agreed to after not even using the gas service since I have no functioning gas appliances.

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

Complaint narrative:
Once I disputed the XXXX on my credit report transunion made a total of XXXX changes which dropped my credit score XXXX points. I called fasfa and they corrected it. Once removed it went up XXXX points. Made my credit card payments on time. Trans union dropped my score XXXX points because my credit card decreased. I have a few credit cards that are XXXX percent paid off more than a month ago. They still say I owe on them and they are paid off already. Why would it drop if your making your payments on time

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Once I disputed the XXXX on my credit report transunion made a total of XXXX changes which dropped my credit score XXXX points. I called XXXX and they corrected it. Once removed it went up XXXX points. Made my credit card payments on time. XXXX XXXX dropped my score XXXX points because my credit card decreased. I have a few credit cards that are XXXX percent paid off more than a month ago. They still say I owe on them and they are paid off already. Why would it drop if your making your payments on time

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently conducted an investigation of my credit report and discovered several inaccuracies that require immediate correction. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of consumer reports and to promptly delete or correct any inaccurate or unverified items. Specifically : 15 U.S. Code 1681e ( b ) - Accuracy of Report : Credit bureaus must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If an item on a consumer 's credit report is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify the information as appropriate. 

The following accounts contain errors and should be reviewed : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX  XXXX XXXX - {$750.00} XXXX XXXX XXXX XXXX - {$5300.00} XXXX XXXX - XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$200.00} XXXX XXXX XXXX - XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} I am requesting a thorough investigation into these items and expect you to provide documentation verifying their accuracy. If the information can not be verified, it must be removed from my credit report as required by law. 

Please provide me with written confirmation of your findings and any actions taken. I appreciate your prompt attention to this matter and expect a response within the 30-day period mandated by 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 2025-02-09 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.
State: NC

Complaint narrative:
I recently conducted an investigation of my credit report and discovered several inaccuracies that require immediate correction. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of consumer reports and to promptly delete or correct any inaccurate or unverified items. Specifically : 15 U.S. Code 1681e ( b ) - Accuracy of Report : Credit bureaus must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If an item on a consumer 's credit report is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify the information as appropriate. 

The following accounts contain errors and should be reviewed : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX  XXXX XXXX - {$750.00} XXXX XXXX XXXX XXXX - {$5300.00} XXXX XXXX - XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$200.00} XXXX XXXX XXXX - XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} I am requesting a thorough investigation into these items and expect you to provide documentation verifying their accuracy. If the information can not be verified, it must be removed from my credit report as required by law. 

Please provide me with written confirmation of your findings and any actions taken. I appreciate your prompt attention to this matter and expect a response within the 30-day period mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: OK

Complaint narrative:
I waited to see if they ( Experian ) would really investigate the situation. Apparently they did not. They told me I had to contact XXXX myself, so I did. Attached is the proof I did their job for them.

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: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I moved out of XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in XXXX. At that time, the property management was XXXX, XXXX XXXX XXXX. When I moved out my balance was zero and I paid all the remaining balance on my account. But I started getting emails and phone calls from dept collector, Genesis, XXXX XXXX XXXX  saying that I still owe XXXX {$99.00}. Their agents are obviously trained to be aggressive in collecting dept. I talked to many of them, and they are all very abusive and used strong language when I asked for proof what is this charge for. I tried to contact XXXX but they are no longer managing the XXXXXXXX XXXX. I left multiple messages on their main website XXXX XXXX ) and asked for proof of this charge but they did not respond for over a year. 

This charge has damaged my credit score.

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: SC

Complaint narrative:
Experian is making it impossible to access my account, I have contacted the customer service number on multiple occassions to gain access to my account but it will not allow me to speak to a live person. I changed my telephone number months ago and have not been able to update this information with experian. I have a membership, XXXX that I was granted due to a breach and then a free membership. Everytime I try to access it, it attempts to send me a text. There is no option for another mode of verification such as an email. The automated system will not direct me to a live person because it states it can only transfer to a live person for certain issues. I have no means to get a live person or update the information. This leaves my data open and vulnerable and I have no ability to update it. I have been wanting to validate my fraud alerts and more but experian is leaving me with no recourse.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed an unauthorized withdrawal from my bank account with XXXX XXXX on XXXX XXXX. This transaction was not authorized by me, nor did I make this withdrawal. The amount of the unauthorized withdrawal was XXXX. I am disputing an unauthorized withdrawal that occurred from my XXXX XXXX. The withdrawal was made by XXXX ( the car rental company ), and I did not authorize this transaction. The charge was related to a car rental under insurance replacement, where the insurance company was responsible for payment, not me. 
The insurance company had already paid XXXX directly for the rental car, and they were not authorized to take additional funds from my card. However, XXXX took funds from my account in the same amount the insurance had already paid them, effectively charging me double for the rental. I did not provide authorization for XXXX to charge my card at all since the payment was already settled by insurance. 
When I noticed the unauthorized charge, I immediately contacted XXXX to dispute the transaction, but they did not resolve the issue. Instead, they reported the charge-off to the credit bureaus, marking my account negatively for this unauthorized transaction. 
Additionally, I discovered that XXXX had made an unauthorized credit inquiry on my account on XXXX XXXX. I did not apply for credit with XXXX, nor did I authorize them to check my credit report. 
I have filed a report with the FTC regarding this fraudulent activity and attempted to resolve it with XXXX and the credit bureaus. However, the unauthorized charge-off and inquiry remain unresolved, and this has negatively impacted my credit. 
I immediately contacted the bank to dispute the transaction, but instead of resolving the issue, the bank charged off the account, marking it as a negative item on my credit report. The charge-off was reported to the credit bureaus as a negative entry, even though it was the result of fraudulent activity.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
In XX/XX/year>, was given letter by XXXX XXXX servicer, Mohela, that I was placed in XXXX plan forbearance and there would be 0 % interest on my loans during this time. 

In XX/XX/year>, sent an additional letter stating my loans ARE accruing interest, and my total loans amount due now show interest accruing, when nothing has changed with my forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

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

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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a credit inquiry from a company I've never dealt with and don't know who they are. Also, my bank pulled a credit inquiry even though I didn't apply for any products or services. 

JPMCB XX/XX/year>XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>

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: IN

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 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$470.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, 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 XXXX XXXX XXXX XXXXXXXX, 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