vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: FL

Complaint narrative:
I have a credit card with XXXX XXXX XXXX that is called XXXX XXXXXXXX XXXX This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
I previously reported this company for fraudulently reporting false information to the credit bureau and received a response that it would be corrected. 
I just pulled my credit reports and XXXX XXXX has now updated the bureaus that the account was closed XX/XX/XXXXXXXX XXXX XXXX XXXX. I have made payments of {$6.00} per month with an annual fee of {$48.00} since that date. 
I called and tried to explain that this account was never requested closed by me and that if they had closed the account back in XXXX, I am owed a refund of {$560.00} that was paid within that time frame. 
If it was not closed in XXXXXXXX XXXX XXXX  then this was fraudulently reported to the credit bureaus once again.

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 2025-01-17 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on m credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see an unauthorized inquiry on my credit report this morning. I have no idea why this happened. I double-checked by refreshing my browser, but it wasnt a glitchthe inquiry is still there. I need this issue resolved immediately, and I insist that the documents I submitted be thoroughly reviewed so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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 E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Well my cash app all of a sudden shuts down after I had money on it. Then when I finally opened it. All my money was gone and it was no trace of where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. 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. They closed my account without warning and when I requested evidence to show any violation of policy or terms, they said they would not provide any and there was no further appeal that I could take. Finally they did not comply with the error resolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
Here is a draft dispute letter tailored to your request : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX Date : XX/XX/year>XXXX  Caine & Weiner Company XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Subject : Formal Dispute of Inaccurate Collection Account Account # XXXX Dear Caine & Weiner Company, I am writing to formally dispute the collection account referenced above, which is being reported on my credit report. After reviewing my credit report, I have found that the information reported regarding this account is inaccurate and potentially unlawful. 

The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) require that all information furnished to credit reporting agencies be accurate and verifiable. I believe this account contains inaccuracies that violate these standards. 

I request that your company immediately : 1. Provide written validation of the debt, including detailed information verifying the amount, the original creditor, and my alleged responsibility for the account.

2. Remove the account entirely from my credit report due to the inaccuracies and lack of proper validation. 



If you can not substantiate the validity of this account with concrete evidence, I expect that it will be removed from my credit file promptly, as required by law. 

Please note that I am documenting all correspondence related to this matter and will not hesitate to pursue further legal remedies if this issue is not resolved appropriately and expediently. 

I expect a response from you within 30 days of the date of this letter, as required under the FCRA. Please send all correspondence related to this matter to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing a complaint again 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 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have filed numerous disputes regarding this account to the credit bureaus. According to the FCRA this is a violation of my rights.

15 USC 1692 c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

By the company reporting this on my credit, its violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: NJ

Complaint narrative:
{$500.00} on XX/XX/year> i was supposed to get my money but I never received it Ive been trying to get done for about 5 years now still I havent gotten any help or response or call back no number to call them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 XXXX & was unfair and deceptive, as they did not comply with XXXX resslution requirements under the Eleetronie Fund Fransfer Act ( EFTA ) and Regulation E : These actions have gaused sitant inconvenience and 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
1 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 procer 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 ( 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 2025-01-17 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: MS

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 non-monetary relief
Consumer complaint received 2025-01-17 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: MS

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 2025-01-17 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:
Ia m 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 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Dear Sir/Madam, **RE : Cease and Desist Request** I, XXXX XXXX, am writing to formally request that the Consumer Financial Protection Bureau ( CFPB XXXX immediately cease and desist any further actions or communications concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Jefferson Capital Systems account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the correct spelling of my name. All of the accounts on my annual credit report has the name XXXX XXXX without the D meaning that could be anyone. 
This request pertains specifically to XXXX and XXXX XXXX collecting inaccurate data and placing it on my credit report damaging my XXXX score. 

Despite my previous communications filed XXXX, I have not received sufficient clarification or resolution on the matter, and I believe the actions currently being taken by your office are [ unlawful, unjustified, harassing, etc. ]. As such, I respectfully request that you cease any further actions or communications regarding this issue and confirm in writing that no further steps will be taken. 

I understand that the CFPB has a mandate to protect consumers and enforce financial regulations ; however, I believe that the current situation does not fall within the scope of your authority. I request a formal explanation of your involvement in this matter, including any legal basis for the actions taken thus far. 

Should you fail to comply with this cease and desist request, I will be compelled to explore all available legal options to protect my rights and resolve this issue. 

I kindly ask that you provide written confirmation of the cessation of all actions related to this matter by 15 days from the date of this letter. Please send your response to the address listed above. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with era 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I always get paid on Thursday afternoon. I checked my account XX/XX/scrub>/25 and didnt see a payment and just thought things may be behind with all the recent holidays. I woke up this morning XXXX/XXXX/25 and still do not have my check from my job deposited. I am a XX/XX/XXXX of two with bills who works hard and whos mortgage is now late due to capital one not processing the deposit or mortgage payment to the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: AL

Complaint narrative:
First, Equifax, XXXX, XXXX, XXXX XXXX, XXXX XXXX - are the same companies owned by the XXXX XXXX XXXX family, who have been falsely disparaging consumers since their XXXX newspaper slandered the owner of XXXX XXXX XXXX, but XXXX let XXXX out of the case when his XXXX 's credit would not get him a bank loan to pay XXXX, it is like XXXX and XXXX are the same companies. Since at least XX/XX/XXXX, Equifax has used their XXXX employment/ insurance division to keep people who sued Equifax from getting a job or decent rates. I sued Equifax about XXXX and since XXXX have been kept from getting a decent job by false disparagement in retaliation by EquifaxXXXX XXXX who have refused to remove false repeated addresses they obtained from XXXX with a heading " numerous addresses show instability to avoid debts ''. It is unlawful to report negative credit over XXXX XXXX XXXX, this is over 20. Also, XXXX has my file mixed with a XXXX XXXX who works at XXXX XXXX in XXXX and will not remove that either. XXXX doubled the rate they quoted and wrote to me that it was due to XXXX. XXXX is shown in the attachment making a false statement as they had already accepted my identification and offered to put my social security number on the internet but when I told them that due to the Equifax data breach I wanted it in USPS mail, they falsely stated that my ID was not acceptable. Like the TV Movie THE BOLD ONES -THE INVASION OF XXXX XXXX which had to be about Equifax in XXXX, if you sue XXXX as I did for reporting false info about XXXX, they will keep you from getting a job or decent rates, they also falsely disparaged again in the movie XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX. I was XXXX 's top salesperson in the nation in XXXX but XXXX has kept me from getting a decent job costing me {$170000.00} annually since XXXX. XXXX XXXX manager XXXX XXXX told me that XXXX got me fired even after she had hired me and XXXX XXXX paid my lawyer XXXX XXXX a small settlement to keep from having to disclose the false reporting in my XXXX report. I have XXXX XX/XX/XXXX of college, XX/XX/XXXX XXXX XXXX XXXX, top salesperson in the nation, perfect credit, and I can't even get a job from Equifax retaliation for my suing them. XXXX XXXX XXXX - Equifax CEO - more or less threatened the FTC when the annualfreecreditreport law passed. Then, almost every restaurant I went into had a flyer on their bulletin board telling how many US Congressmen had bankruptcies, how many had unpaid child support, how many had been turned down for a credit card and all the negative information in XXXX files. XXXX XXXX XXXX Veteran XXXX XXXX XXXX, Age XXXX

Company response to consumer: Closed with explanation