vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes and inaccuracies in my credit report. Despite my submissions. Equifax consistently repsonds within 24hrs saying the accounts are accurate without providing evidence of a thorough investigation. 15 USC 1681i is the violation. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act. XXXX should not show on my profile as it is reporting income as a charge off is income which is personal information being reported because the IRS has been notified of the income, XXXX ( I don't owe XXXX nor can I be late on this account ), XXXX XXXX XXXX ( I don't owe them any monies, or debt at and shouldn't be showing on my credit profile at all ), XXXXXXXX XXXX ( charge off accounts are income filed and should not be showing on a credit file at all ), XXXX XXXX XXXX XXXX was disputed as well that I do not own these accounts nor did I own them, the validity of account as inaccurate and Equifax stated with their INDIRECT 1st hand knowledge, OBVIOUSLY, the information was accurate and will remain on my profile. 
I have advised Equifax that my legal name is spelled XXXX  ' they have " XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 proce 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 38/K financial loss, and I seek appropriate redress ( 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 2025-01-20 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 cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( cfpa ). Specifically cashapp failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud 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 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Unauthorized Reporting of Negative Collections To Whom It XXXX Concern, I am writing to formally dispute the reporting of the following collections on my credit report : XXXX XXXX XXXX XXXX I have never provided consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these entities to report negative collections on my credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are required to have a permissible purpose to include information on a consumer 's report. The inclusion of these collections without my explicit consent violates this standard.

Additionally, based on my investigation, these entities are not licensed to collect debts in the state of Arizona. Per state regulations, debt collectors must be properly licensed to legally operate and pursue collection activities. Reporting accounts from unlicensed entities fails to comply with both state law and the FCRA 's mandate for accuracy and verifiability ( 15 U.S.C. 1681e ( b ) ).

As such, I formally request the following actions : Immediate Deletion of the Accounts : Permanently remove these collections from my credit reports with XXXX, XXXX, and TransUnion, as they lack a permissible purpose and are being reported by unlicensed entities. 

Written Confirmation : Provide written confirmation of the deletion of these accounts from my credit reports. 

Verification of Reporting : If you believe these accounts can be lawfully reported, provide evidence of permissible purpose and documentation confirming these entities licensure to collect in Arizona.

Failure to comply with this request within the legally required timeframe of 30 days, per 15 U.S.C. 1681i, will necessitate further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the requested actions. 

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 non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 proce 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 XXXX ) financial loss, and I seek appropriate redress for these violations. Cashapp also closed my account for no reason and failed to give me information on why. I havent violated any of there terms at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Ive called the company and asked to be put under a payment plan and they agreed to the date that we arranged but the date came for me to make the payment they automatically canceled the payment arrangement and wanted to full amount right then for both credit cards and have kept adding fees and interest on to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

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 ( CFPS ). 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 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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Source of dispute information : Hunter Warfield Type of disputed information : unknown credit account Dates opened : unknown, inconsistent dates listed on report Explanation of item being disputed : I dont recognize the accounts in question. 
Dates on the report do not adhere. Please remove from account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NY

Complaint narrative:
See attached letter that was mailed to alleged Creditor who continuously violates FCRA laws when responding to all prior inquiries.

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 2025-01-20 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: CA

Complaint narrative:
On XX/XX/XXXX, XXXX I started getting charged on my cashapp {$2.00} EVERYDAY by XXXX XXXX. On XX/XX/XXXX I started getting charge XXXX cents & a separate charge for {$1.00} everyday by XXXX. On XX/XX/XXXX I started getting charged {$2.00} AGAIN, but from XXXXXXXX XXXX  These XXXX separate charges continued to be charged until XX/XX/XXXX when I finally decided to delete the cashapp account and make a new one with a whole new debit card because even after blocking the accounts trying to charge me and trying to dispute every charge and get whatever money they had taken from me back it didnt let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 fling this complaint against Csh 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 [ ; atform, leaving my account venerable 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 address for these violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 free violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
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 careless action have caused significant losses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
XXXX XXXX, XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I became aware of the account status for the Kohl 's Department Store credit card on my credit report. It was closed on XX/XX/year> with a final amount of {$750.00}. The credit card balance was originally {$700.00}, but it closed out at {$750.00}. I never received notice that this account was being charged off and sent to collections, and I never received notice of the final balance. Even though, I've agreed to pay the balance because it's affecting my credit, I never got notice of the status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
Complaint against collective agency. My item ref # XXXX Re : XXXX XXXX XXXX was sold to a third party collection agency. I have sent letters of dispute to remove item from my credit or provide proof. No response to either. This item is really placing a bad score for my credit not allowing me to move into another place to live. The amount is for {$3300.00} It has been almost three years now. Companies take advantage of clients. This issue occurred due to Covid and hardship. I explained to them many times. 
Thank you and hope this issue is resolved and REMOVED from my credit immediately. 
XXXX 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
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I am writing to formally dispute two fraudulent accounts that appear on my credit report. I believe these accounts were created as a result of the Equifax data breach and have included all relevant details and supporting documentation for your review. 

The fraudulent accounts are as follows : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Total Fraudulent Amount : {$970.00} Type of Fraud : Credit Card Opened by the Thief XXXX XXXX XXXX 

Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Total Fraudulent Amount : {$410.00} Type of Fraud : Credit Card Opened by the Thief As mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that Equifax block this fraudulent information from my credit report. Attached, you will find the necessary documentation to support my claim, including : A copy of my government-issued ID A copy of a signed FTC Identity Theft Report ( or police report if applicable ) Please confirm in writing once these accounts have been blocked from my credit file. I expect a response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have never had an account with Jefferson Capital System. I have asked this company to remove this account from my credit report and to no avail had it been removed. Also, the address this company is reporting I have never lived at that address nor have family or any association to the address they're reporting. Please investigate this company for reporting erroneous information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
Despite using Zelle numerous times and reporting it my financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation