vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Over the past 3 years there have been unauthorized transactions on my account from businesses that I do not deal with. I tried to notify cash app to let them know that these were fraudulent transactions and requested a refund but I received none. Instead I was told to contact the company directly but this was impossible to do since they acted fraudulently and created a fake account. There are charges from a company called XXXX XXXX  and XXXX and the XXXX XXXX  which is suspicious because I don't own any XXXX products. I'm not familiar with XXXX XXXX  nor have I purchased anything from them and yet my account was still deducted and I was unable to reach any customer service agents at cash app to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2025-01-31 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TN

Complaint narrative:
I was transferring money from one count to the other and it just disappeared on me and cash out told me they didn't have to provide me with no information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
On our XX/XX/XXXX statement we were made aware of an annual fee that would be assessed for using XXXX Integrated due to the rising costs of credit card acceptance. Nowhere on the statement was a dollar amount given as to how much this fee would be assessed for and to what date it would be applied. At that time, we decided to move from their processing platform to a more affordable solution. 

In XX/XX/XXXX we contacted XXXX to verify no additional new fees would be charged upon closure of our account. 

On XX/XX/XXXX we gave written notice to XXXX that we would like to close our account and no longer use their services. 

On XX/XX/XXXX {$440.00} was withdrawn from our bank account which included a {$390.00} annual fee for a service that we were no longer using. The amount withdrawn should have been {$42.00}. We immediately called XXXX to dispute the fee as we had terminated their services. They responded by letting us know it needed to be reviewed by their internal teams and they would get back to us. On XX/XX/XXXX XX/XX/XXXXdeposited {$190.00}, only half of this fee, into our account without giving any notice to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Credit report review revealed problematic late payment entries that remain unresolved despite my previous communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these unverified late payments requires immediate attention to prevent potential negative impacts on my credit standing.

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 2025-01-31 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp is very lowdown, they believed a thief and allowed him to steal over XXXX dollars from me ; and when I alerted CashApp they acted as if I was wrong and there was nothing they could do, the thief stole my money and then bragged on it to CashApp and sent me the screenshots, Im very embarrassed and hurt! I deserve my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: NC

Complaint narrative:
juno account frozen last year My transaction does not match XXXX transaction, attached XXXX they advertised their services as safe and XXXX, giving users reasonable confidence our funds were safe yet now I don't ' have my money similar situation to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX : XXXX XXXX : XX/XX/scrub>XXXX  Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RE : Correction to my personal information Dear Equifax XXXX I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have been trying for months to get this resolved in the right way. I have been a victim of a cyber crime l. My us bank XXXX was linked to a fraudulent XXXX XXXX account that I did not own. I have never owned a XXXX XXXX  account which I stated with us bank several times. I had almost 4 months of fraudulent XXXX XXXX transactions happen within out my knowledge or consent.Us bank never notified me of these fraudulent transactions made through my us bank XXXX. Around XX/XX/scrub>XXXX XXXX XXXX  which was a few months ago I notified XXXX XXXX  about this fraudulent XXXX XXXX  account linked to my us bank XXXX. I stated the problem I was going through with a fraudulent XXXX XXXX account linked to my debit. XXXX XXXX agreed to take my personal information to look up to see if I had a XXXX XXXX  account in their system. Between XX/XX/XXXX or XXXX they emailed stating we did not find my name in their system linked to a XXXX XXXX account. They say if I would provide my XXXX digit card number they would look my debit card number up in their system to see if my card was linked to a XXXX XXXX account. The following day or XXXX I received a email from cash stating after further review and investigation of your card number you provided us we found that their was a XXXX XXXX  account linked to your debit card. Which I can provide both emails I received from 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Midland Credit Management XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Demand Account Number # XXXX Dear Midland Credit Management : This letter is to formally demand that Midland Credit Management immediately cease all collection activity against me regarding any alleged debt. I am requesting that you stop contacting me by phone, mail, email, or any other means of communication. 

I dispute the validity of this debt. I have no knowledge of any debt owed to THE XXXX XXXX XXXX XXXXXXXX or any other entity that you claim to represent. 
Your collection practices have constituted harassment. [ Specifically describe the harassing behavior, e.g., " Repeated phone calls at unreasonable hours, '' " Use of abusive language, '' " Threats of legal action that you have not taken. '' ] I formally request a copy of the Forward Flow Agreement & Chain of Assignment giving you legal rights to this alleged debt Upon receiving this letter, you are required to immediately cease all collection efforts against me. This includes, but is not limited to, phone calls, letters, emails, and reporting to credit bureaus. Failure to comply with this cease and desist demand may result in my pursuing legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: MA

Complaint narrative:
Credit Karma is not reporting collections correctly. There is a collection on the XXXX side this no showing correct information such as proper amount and name of the collection agency. I checked the XXXX side on Credit Karma and got the name at least. The amount is still incorrect and this shouldn't even be marked as collections. On XXXX there was a court judgment filed. ( see attached ) the amount is {$990.00} + {$50.00}. That would be {$1000.00}. No payment plan and no interest. That is on the XXXX. This needs to be corrected and removed from collections completely. I tried to dispute the XXXX ( still in dispute ) but can not upload any documents. I checked my XXXX and there are no collections at all to dispute ( XXXX direct site is correct ), so Credit Karma is improperly reporting that on their account on their end on the XXXX side. I checked and Credit Karma run a soft reports on my XXXX ( document attached ) and they can see the proper information to report. They are just not doing so. There is no way to dispute this information directly with Credit Karma with documents. XXXX also is not providing me with my credit report for free so I can check with them if they are properly reporting on my credit account, which I am allowed XXXX per year. It shows completely blank. ( See attached ) They also want me to buy my XXXX XXXX which is all so weird. I can't check anything on my credit report directly through XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: NC

Complaint narrative:
I have been getting harassing phone calls from ( XXXX ) XXXX. This number calls me 5 times a day at least. 

When I answer, there is silence. Sometimes they hang up, but recently they just sit on the line in silence until I hang up. It's really scary and is giving me a lot of anxiety. 

I looked up the number when they first started calling months ago and it's Mohela. They recently took over XXXX. They are supposed to be helping borrowers, like me, who are having issues with repayment after losing a job. 

I lost my job in XXXX XXXX and have been looking for work ever since. I paid up until I couldn't pay the amount in full and made a smaller payment recently which was a struggle. 

I spoke to their CS dept and explained the situation. Tried to figure out a way to lower my payments so I wouldn't default. They stated they have no options for me and will not work with me. I dont know what to do. I thought the XXXX XXXX was having Mohela help people. 

Now I'm being harassed. I know Mohela was sued for " call deflection '' which is exactly what they are doing to me. 

Today alone, this number has called and sat in silence at XXXX, XXXX and XXXX so far. 

So far this week they have called me : XXXX - XXXX, XXXX, XXXX, XXXX Wed - XXXX, XXXX, XXXX, XXXX XXXX - XXXX, XXXX - XXXX then called Mohela. I requested a callback and they never got back to me. 

Each time they are silent I state that I know who they are and that these practices are against the Fair Debt Collections Act. I also state that I know they have been sued for this previously.

I want to know what I do because I complained to Mohela directly. There are notes on my file explaining my situation so there is no need to harass me. I am trying to find a job so I can make payments. I have XXXX XXXX am a single mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following accounts listed on my credit report, as they contain inaccurate, incomplete, and misleading information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The accounts listed below violate this provision, and I request their immediate removal from my credit report. 

Disputed Accounts XXXXXXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXXXXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The accounts listed above are not being reported accurately, and the incomplete information violates this provision.

FCRA - 15 U.S.C. 1681c This section outlines the requirements for the reporting of obsolete information. If any of the disputed accounts contain outdated or incorrect information, they must be removed.

FCRA - 15 U.S.C. 1681i Under this section, I have the right to dispute inaccurate or incomplete information in my credit report. Once a dispute is filed, the consumer reporting agency must conduct a reasonable investigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including the FCRA. I am filing this complaint to ensure that my rights under these laws are upheld and that the disputed accounts are removed 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING, LLC. C/O RESURGENT CAPITAL SERVICES, LP. They are attempting to collect on accounts ( s ) that were opened due to Identity theft. The Original Creditors are, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, who previously owned both of these accounts, removed me from liability. Now this Company is attempting to collect fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge Off 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 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 wasn't able to reach a live agent or find a phone number there was only an email or I think texting this happened XXXX XXXX XXXX XXXX XXXX I also almost was scammed by someone on the internet while looking for a cash app number to call

Company response to consumer: Closed with explanation