vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: LA

Complaint narrative:
I am filing a complaint with XXXX and XXXX for failing to properly investigate my disputes regarding inaccurate information in my credit report. Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U. S. C. 1681i, which mandate a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 'S recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Eqifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> -- {$650.00} XXXX XXXX XXXX # XXXX XXXXXX/XX/year> -- {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Received a collection letter dated XX/XX/2025 today,XX/XX/25 demanding {$1300.00} from Resurgent Capital Services on behalf of LVNV Funding, LLC . This debt is rendered unenforceable due to expiration of statute of limitations.They acknowledge this is their letter. In fact, this debt was paid in full many years ago. Resurgent is owned by XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX. They use affiliates such as XXXX XXXX, and LVNV LLC to purchase debt with low information then attempt to collect from vulnerable or unaware people. I have responded via certified mail to Resurgent, Credit Control, LVNV, and XXXX but in vain as they continue to attempt collection of this debt. I do not owe any past due debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Around XXXX XXXX  on XX/XX/, I started receiving notifications on my XXXX XXXX that all my positions were sold including XXXX, XXXX, and two other stocks I had purchased. I thought this was strange because I never made an order to sell. I quickly logged onto Robinhood and noticed I had {$20000.00} in my account. This was highly confusing to me because the day before I only had somewhere between {$4000.00} and {$4500.00}. I looked at my transfers and noticed that {$20000.00} was deposited into my account from my bank account. I did not authorize this transaction. In fact, I only had {$1.00} in my bank account. I cancelled the pending transaction, but it was too late, the hacker was already spending the {$20000.00}. Robinhood does " instant deposits. '' Before they check if you even have the money, they deposit it into your account to invest with right away. The hacker purchased several option contracts which expired in minutes. They spent {$20000.00} ( money that does not exist ) and they spent the money I had in my account. I was able to transfer {$2600.00} into my bank account before the hacker spent that money as well. I contacted Robinhood at XXXX XXXX  that day. This is almost immediately after noticing the suspicious activity. Robinhood closed my account so no other transactions could be made. They asked me questions and said they will get back to me. It has been three days now and I am out around {$2000.00}. I used Robinhood because I trusted their platform. Whatever happened to two-step verification? I was never notified that my account was logged in from another device. Secondly, I never authorized a withdrawal from my bank account. I have never bought option contracts before. To purchase option contracts on Robinhood, you have to manually sign up for it through the app and the hacker did this. I never shared my login information to anyone and I only use Robinhood through my phone or computer. The hacker not only stole money from myself, but Robinhood. If it was not for instant deposits the hacker would not have been able to spend all of the money and if Robinhood had a more strict login protocol, this would not have happened. I dont understand how this happened because when I login to Robinhood from my computer, they ask me to sign in on my phone to verify, so how did the hacker get into my account? Robinhood has yet to tell me where these transactions have been made and have no proof that I authorized these transactions. Upon further research, I have discovered many other accounts have been hacked on Robinhood and this has been an ongoing problem for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 2025-02-23 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AL

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
in response of failing to validate account. Sending the amount thats due is not proof of validation of an account. This is not an agreement that bears the signature of the alleged debtor where XXXX XXXX XXXX agreed to pay the creditor. This is considered a violation of the Fair Debt collection practices Act ( FDCPA ).

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 2025-02-23 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}

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 2025-02-23 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX  XXXX account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX, XXXX, XXXX and XXXX, despite the fact that all payments have been made on time. 
XXXX. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments. 
Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information. 
Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Experian immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.

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 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
am writing to formally dispute any credit inquiries appearing on my credit report that may have resulted from the recent data breach at XXXX XXXX XXXXXXXX I request that you immediately investigate and remove any unauthorized inquiries from my credit history. '' Most inquiries are same company 2-4 times. 

I also have incorrect spelling of my name. Many times

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 2025-02-23 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: MD

Complaint narrative:
am writing to formally dispute any credit inquiries appearing on my credit report that may have resulted from the recent data breach at XXXX XXXX XXXXXXXX I request that you immediately investigate and remove any unauthorized inquiries from my credit history. '' Most inquiries are same company 2-4 times. 

I also have incorrect spelling of my name. Many times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BDF Partners, PC
State: TX

Complaint narrative:
My house was sold at a auction/foreclosure sale at the XXXX XXXX XXXX XXXX XXXX. There was an overage after the mortgage company was paid what was owed. I've sent two emails to the Barrett, Daffin, Frappier, Turner and Engel LLP who are the trustees of the money on XXXX and XXXX. They have not responded to my emails. I sent request to : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to file a complaint against Equifax for intentionally keeping my credit score low despite positive inquiries. This is a direct violation of the Fair Credit Reporting Act. My creditors report inquiries monthly to all three bureaus. Due to consistent payments to my revolving credit and lowering my credit utilization my credit score has increased substantially with XXXX and XXXX, but has substantially declined with Equifax. My credit score has also increased with XXXX XXXX and XXXX due to having charge-offs and collections removed, however, with Equifax, the same information is being reported, yet my credit score has declined substantially. I had a charge off removed, collections removed, as well as positive reporting of payments to credit cards that lowered my credit utilization, yet my score has shown little to no improvement with Equifax and has declined way more than it has increased. This has caused me to be ineligible for housing due to an inadequate Equifax score. I would like for this to be investigated and my credit reports to be compared so that the substantial difference can be evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
1681e ( b ), credit reporting agencies are required " to follow reasonable procedures to assure maximum possible accuracy. This account was charged off. I am requesting the accuracy of the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

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.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Hello, I had two cards with XXXX XXXX  XXXX and since i have been going through financial hardship i was only able to make the minimum payments monthly. Then i was able to fully pay off the card and American express told me the account was under financial review on the and I'd have to wait and give them documents, so waited a bout a week and gave them said documentation. Then they simply closed my accounts on the XXXX without telling me why. I called them to receive a refund since I made that payment at great difficulty to my current financial situation in order to be in better standing with them and to UTILIZE said card. the first call was on the XXXX to try to get the refund the lady told me I would receive it in 3 business days but i never received it so on the XXXX i called again and they said they did not know what happened and had no information for me, but that they would send a check that would arrive in the mail in 7-10 business days, and today the XXXX i called to get an update or tracking number or anything and they said they don't have access or control over the account anymore were extremely rude and condescending and then tried to tell me to calm down after they stole almost XXXX XXXX dollars from me and wasted a month of my time. I then called my bank to see if they could do a charge back and they could not. I really needed that money to get back on my feet this is not something i can wait months on please help me im begging you.

Company response to consumer: Closed with explanation