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

Complaint narrative:
I paid account ending in XXXX in full on XX/XX/year>2024. It is only being reported on one of my credit accounts and needs to be removed. This was a credit card with the company XX/XX/XXXXXXXX, it was sold to XXXX funding which Resurgent is responsible for. After contacting them they insist they are not reporting this and are confusing it with a different card that is in their services. They have even provided me a paid in full receipt, but it still continues to show up and it needs to be taken down.

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: KY

Complaint narrative:
I am filing a complaint against CashApp ( Block, inc. ) due to inadequate customer service and and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp 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.

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: WV

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, the dispute resolution process was unfair and deceptive As they did not comply with error resolution requirements. Under the electronic funds, 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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/year> I was trying to purchase a digital product key from another PayPal user. They charged my {$250.00} and never responded to me again when I complained I hadn't received the service product. Once I realized I wasn't getting my item I wrote it off and resolved to begin discussing it with PayPal the next day. I happened to have been staying in a hotel that night, and I explained to PayPal that I did not enter all the information needed to initiate that transaction nor would I have because I was already certain I was being targeted for a scam. Secondly, I could not possibly have initiated the transaction or finalized it because I didn't know any of the information belonging to the recipient. ( Thief / Thieves ) I explained to PayPal that once I saw the purchase going south, I went to my room and went to sleep. The next morning was another issue as someone had clearly accessed my room and looked through my things eventually finding my phone and I deduce that had to be when their opportunity was taken to perform the transaction themselves, My phone uses my fingerprint as verification for everything, So once I saw this money had been sent, I saw the time and knew it was done while I'd slept. A thief would only have to press the fingerprint scanner to my finger, and for initially unlocking it they could have simply turned the screen on and held the front facing camera to my face. I did also mention to the PayPal team that after I spoke with the supposed merchant another person showed up to the hotel and seemed as if they were aware of something and waiting on it, the next day I put two and two together, Transaction ID XXXX Case ID : XXXX Receiver info : XXXX XXXX XXXX Again I never received the merchandise, and I reported this all thoroughly to PayPal twice who also did nothing . They just let someone run off with my money through what was exactly the definition of an unauthorized use. And the " XXXX XXXX '' never responded to my attempts to contact them after. And since then PayPal has refused to reopen the ticket or anything whatsoever to help me. The XXXX address of the XXXX XXXX is a very suspicious one and they paid it no attention either. I half blame their negligence as having been a facilitator of the end result becoming that someone simply was allowed to steal from me, using their product.

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 filling 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
My account had fraudulent activity. I reported it to the company and they did nothing to reimburse my account. They closed my Cash App account and did not allow me to get my refunds or another 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street, NW Washington , DC 20552 Subject : Complaint Regarding TransUnions Deletion of Positive Rental Account Dear Sir/Madam, I am writing to formally file a complaint regarding the actions of TransUnion in handling my credit report. Recently, I noticed that TransUnion removed a positive rental payment account from my credit report without proper justification. This account, reported under [ Account Name : " XXXX '' or specify the exact name if listed differently ], demonstrated a perfect payment history, with all rent paid on time. 
The deletion of this account not only misrepresents my creditworthiness but also resulted in a significant drop of XXXX points in my credit score. This action undermines the accuracy and fairness of credit reporting, which is a direct violation of 15 USC 1681, specifically the requirement for accurate and complete reporting. 
TransUnion 's actions are consistent with a troubling trend Ive observed with XXXX XX/XX/year> and XXXX XX/XX/year>, where positive accounts are deleted from consumer credit reports, causing undue harm to consumers ' credit scores. Such actions negatively impact my financial standing and trust in the credit reporting system. 
I kindly request the CFPB to investigate this matter thoroughly and ensure that TransUnion reinstates this account promptly. Additionally, I urge you to take appropriate measures to prevent similar issues from occurring to other consumers. 
For your reference, I have attached evidence of the account details and payment history before its removal. I am available for any further information or documentation needed to assist with this investigation. 
Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to address this issue effectively. 
Sincerely,

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: 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 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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited sister in laws tax refund check total good check and i signed third party info like they said and after deposition they held funds till it cleared which I was fine with but once it cleared they got the money they took the XXXX I was iverdrfafted and said I couldn't have the rest and closed my scct unless my sister inlay can be verified and they only do that thru there system if it doesn't show her number them they won't call they only call number they find which I don't no how they find one and she uses those prepaid companies so it won't show nowhere and they won't let her come in and show id they said this is only way so im scr3ded please help me it was chase bank XXXX XXXX

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: CA

Complaint narrative:
I am the victim of identity theft as a result of the recent Equifax data breach, and now have negatively impacting accounts on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
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: GA

Complaint narrative:
I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax and XXXX consistently responds within 24 hours stating that 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, Equifaxs and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrating proceedings against them for similar violations. I request that the CFPB TO ensure that Equifax and XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following account is what I disputed : XXXX. XXXX XXXX ending in # XXXX

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: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I paid this collection to the the collection company in XXXX of 2023. I have proof that I paid this collections, and want it removed from my credit report.

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: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 has 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: GA

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 EXXXX 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: MD

Complaint narrative:
XX/XX/year> XXXX atm XXXX XXXX XXXX XXXX of $ XXXX I deposited cash into XXXX atm using XXXX debit card. The ATM failed and rebooted, taking the cash and not returning to me. Failed transaction/deposit. 

I have reached out to all point via phone call. They told me to contact my bank ( dasher direct ) to resolve the issue. 

XXXX XXXX came out and took all the cash out of the atm including the money I tried to deposit. He legally could not give it back to me. 

I have a claim with dasher direct. They have not sent me any documents that I have requested for proof that this is being handled. They have given me XXXX different claim ticket numbers. XXXX and XXXX

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: TN

Complaint narrative:
I am filing a complaint against Cashapp ( 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. 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: GA

Complaint narrative:
I identified several inaccuracies on my credit report and formally demanded that Equifax investigate and correct them. Specifically : Inaccurate Reporting of Late Payments : Three accountsXXXX XXXX XXXX, and XXXXare incorrectly reported as having late payments. Since I am protected by the CARES Act, this reporting is inaccurate. I requested that these accounts be updated to reflect " Pays Account As Agreed '' as required under the CARES Act provisions. 

Violation of Consumer Privacy Rights : The account XXXX XXXX appears to violate my consumer right to privacy under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( 4 ). I requested its deletion due to this violation. 

Incorrect Personal Information : Two addresses listed on my credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXare inaccurate and need to be corrected or removed. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to investigate these disputes and correct or delete any inaccurate information within 30 days. I cited case law, such as XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which emphasize the need for credit bureaus to conduct thorough investigations and maintain the highest standards of accuracy. 

Additionally, I reminded Equifax that failing to comply with these obligations could result in liability for willful or negligent non-compliance under 15 U.S.C. 1681n and 1681o. I expect a prompt and thorough investigation, a description of their procedures, and an updated credit report reflecting the necessary corrections.

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: NV

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: KY

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 of 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XX/XX/XXXX, an inaccurate negative " 30-Day late '' payment history indicator was reinserted on my Experian credit report for XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX. This inaccuracy was previously disputed and deleted from my Experian credit report on XXXX XX/XX/XXXX. This reinsertion of information was first reported on XXXX XX/XX/XXXX. 

In addition, Experian failed to notify me of the reinsertion of this information, to date. 

Further, I assert that Experian did not properly review and certify the accuracy of the alleged late payment before reinserting the information, when upon review of the account, the average person can see that the payment history and balance history do not correlate. This is very specific accounting information, that if accurately reported by the furnisher, should not contradict.

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