vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
As stated in Section 605B of the Fair Credit Reporting Act, reporting information on my credit report without my consent is unlawful. Therefore, I request the removal of this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: I.C. System, Inc.
State: TX

Complaint narrative:
As stated in Section 605B of the Fair Credit Reporting Act, reporting information on my credit report without my consent is unlawful. Therefore, I request the removal of this from my credit report.

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 2025-01-22 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
As stated in Section 605B of the Fair Credit Reporting Act, reporting information on my credit report without my consent is unlawful. Therefore, I request the removal of this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
i filed a claim because the business XXXX XXXX a gas station charged me XXXX. XXXX twice and XXXX all on XX/XX/XXXX th. the bank refunded 1transaction for XXXX and left the other 2 where there should only be 1 charge as i did go only once. threre have been many issues of debit card charges to mu account including companies i do not pay such as XXXX. there has been stock sold such as XXXXXXXX XXXX and i currently have XXXX or XXXX transactons more that are fraud. i am out of work with limited funds and i belive they may be inflicting intentional financial stress due to a prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email stating a payment would be taken out of my account on the XXXX. My due date is the XXXX. I have XXXX accounts. the second account I also received an email stating that a payment would be taken out on the XXXX when my due date is the XXXX. I found out that they have been taking payments out early for months. The company seems to have little regard for the rights of its customers by taking early payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Cash App has allowed my personal information to be used for fraudulent accounts, transactions, and transfers. I have contacted the company multiple times to report this issue without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
IRS has sent my tax deposit to Cash app it never came to Cash app I called to verify with IRS they verify with me my account and my routing number with Cash app and they said they sent it. I called Cash App to ask them concerning about the deposit, they said that they dont have it dont see it.amount of XXXX $ Also money was sent from account to another without my authorization amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
FHB is not observing its obligation to release funds via the XXXX app in a timely manner resulting in personal financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: DE

Complaint narrative:
Since XXXX XXXX all the way till XXXX Ive been dealing with this and I contacted cash app many of times they refuse to help me. For a settlement due to unauthorized payments and transactions : I am writing to express my concern and request a settlement regarding unauthorized payments and transactions on my account. Despite my efforts to resolve this issue amicably, I have been left with no choice but to seek formal action. 

Summary of Unauthorized Transactions : Date : [ XXXX XXXX, XXXX XXXX ] Transaction Type : debit Amount : {$9500.00} Description : [ transactions I didnt make and payments I didnt make ] Actions Taken : [ XXXX XXXX ] : Ive been notifying [ cash apps ] customer service via [ XXXX ] about the unauthorized transactions. 
[ XX/XX/XXXX ] : I requested a formal investigation and reversal of the unauthorized transactions. 
[ XX/XX/XXXX ] : I received a response from [ cashapp ] stating that the response the transactions were legitimate or the issue would be investigated but in they words they cant help Settlement Request : I request that [ cashapp ] takes immediate action to : 1. Reverse the unauthorized transactions totaling $ [ Total Amount ].

2. Refund the reversed amount to my account.

3. Provide a formal written confirmation of the settlement. 

I believe that [ cashapp ] has failed to adequately protect my account and has not provided sufficient assistance in resolving this issue. I hope that we can resolve this matter amicably. However, if not, I will be forced to explore further action, including filing a complaint with the relevant regulatory agencies. 

Please respond to this letter within 14 days, indicating the actions you will take to address this issue. 
I would like to receive a refund for the damages that was due and in total its {$9500.00}. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 ) period specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Period furthermore, They're dispute resolution process was unfair and deceptive as they did not comply with air resolutions requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial laws, and I seek appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I am writing to formally raise my concerns regarding Zelles handling of disputes, which has caused me significant financial harm. Despite using Zelle numerous times with confidence, I became a victim of fraudulent activity and promptly reported the issue to both Zelle and my financial institution. However, my claims were dismissed without a proper investigation. I was told that recovering my lost funds was not possible and that tracking these transactions was unfeasible, leaving me with no recourse.

The recent CFPB lawsuit highlights systemic issues with Zelles operations, including its failure to protect users like me and its apparent allowance of repeat offenders to exploit the platform. This lack of accountability has left me feeling unsupported and vulnerable as a consumer.

I am deeply frustrated by how this matter has been handled and urge you to take my claim seriously. I expect a thorough investigation and a resolution that acknowledges the financial and emotional distress I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account Experian, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose :

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. I have never had an account, or written or verbal agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. They are reporting an inaccurate account in the amount of {$8200.00} and inaccurate information and late payments on my report also this account is closed in my collections which means they have written this debt off on their taxes and have collected on this said debt. I have requested Verification of this debt and verification of the original signed agreement with this company, in XX/XX/XXXX XXXX, and lastly in XXXX of XXXX. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed this is hindering me from buying a house as this inaccurate agency is listed on my report, I did not authorize them to use ANY of my information or report on my credit.I wish for the account to be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Zelle u had money transfer that I did not due and money was taking out of my bank account as well from 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN Account Name : XX/XX/XXXX Account # : XXXX Balance : {$3300.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XX/XX/XXXXXXXX Account XXXX : XXXX Balance : {$16000.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XX/XX/XXXX Account # : XXXX Balance : XXXX Date Opened : XX/XX/XXXX Account Status : closed Account Name : XX/XX/XXXXXXXX Account XXXX : XXXX Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Status : closed UNAUTHORIZED INQUIRE ( XXXX ) : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/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 2025-01-22 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: GA

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. 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 2025-01-22 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: NV

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours 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 mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with THE FAIR CREDIT REPORTING ACT ( FCRA ) This creditor XXXX XXXX XXXX account # ( XX/XX/XXXX) has violated my rights under 15 U.S. Code 1681 Section 602 states, I have the right to privacy ,15 U.S. Code 1681 Section 604a Section 2 also States that a consumer reporting Agengy can not furnish an account without my written instructions under 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Breach and has caused overwhelming harassment : XXXX data breach : In XXXX, XXXX announced a data breach that exposed the personal information of XXXX XXXX consumers. 
Experian breach : In XXXX, XXXX breached the records of XXXX XXXX XXXX customers. 
TransUnion data breaches : TransUnion 's fraud research shows that more than XXXX XXXX Americans have had their personal information exposed in data breaches each quarter.

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 2025-01-21 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 writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XX/XX/XXXXXXXX XXXX {$5400.00} Open Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XX/XX/XXXXBalance {$38.00} Open Date XX/XX/XXXX XX/XX/XXXXXXXX Balance {$18000.00} Open Date XX/XX/XXXX 2021

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