vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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 following a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, Which violates the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against CASH APP ( block, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I am writing to you to file a formal complaint regarding Dobberstein Law, LLC in XXXX WI. I will also be reaching out to Wisconsin XXXX XXXX XXXX, the News stations and Government Ethics Boards. 

They are committing unethical legal proceeding against hundreds of victims every year. I was one of those victims. They do not serve defendents legal paperwork as required by law, and Dobberstein Law gets granted default judgements. When I called them out on it and reported them to the Bar Association, the lawyers lied and said it was a miscommunication in their office. If you look into the cases they have won due to default judgements, you will find that the defendants are victims of unethical business practice by a debt collector. Dobberstein Law, LLC is taking advantage of people and filing legal actions without the other parties knowledge. I have proof of this, and am willing to reach out to each individual that has been affected by this fraudulent behavior. I understand that by contacting the individuals affected by this, this will overwhelm the court calendar and will create additional work for the State of Wisconsin, but I am asking for your help in this matter so we can stop this behavior by this debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized transactions that occurred through Zelle, resulting in a loss of XXXX from my account. Despite my immediate efforts to resolve the issue with my bank and Zelle, I have been unable to recover my stolen funds. I noticed unauthorized Zelle transactions from my bank account totaling {$2000.00} on I did not authorize these transactions, nor did I share my banking credentials with anyone. As soon as I discovered the fraudulent activity, I contacted my bank/Zelle immediately to report the issue. 

Despite providing all necessary documentation and evidence, my dispute was denied, and my bank refused to reimburse me, citing that Zelle transactions are " final. '' However, I strongly believe I was a victim of fraud, and under the Electronic Funds Transfer Act ( EFTA ), I should be protected against unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed with CFPB the company stated they couldnt locate an account with my information I resubmitted showing them that they were on my consumer file and I proceeded to dispute with Experian they contacted me 2 hours later saying its validated.. Who did they interview in that short amount of time to come up with that conclusion.. That leads me to believe Experian didnt do a thorough review its automated and Im filing a complaint Subject : Cease and Desist Notice Unauthorized Access and Furnishing of My Consumer Report Under 15 U.S.C. 1681 To Whom It May Concern, This letter serves as a formal cease and desist demand regarding the unauthorized access and furnishing of my consumer report, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit report, I discovered that my personal and financial information has been accessed without my explicit written consent, particularly for insurance underwriting or other unauthorized purposes. Pursuant to 15 U.S.C. 1681b ( a ), a consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, including when the consumer has provided written authorization. I have never given such written consent.

Furthermore, 15 U.S.C. 1681b ( f ) prohibits any entity from obtaining a consumer report without a permissible purpose. Any continued access to my consumer report without my express written permission constitutes a violation of my rights under federal law.

Therefore, I demand that you immediately : 1. Cease and desist from any further unauthorized access, use, or furnishing of my consumer report.

2. Remove any inquiries or accounts that were obtained without my written authorization.

3. Provide me with the names and contact information of any entity that accessed my report without my consent.

4. Provide proof of my written authorization for any disputed inquiries or accounts. If no such authorization exists, the disputed entries must be removed immediately.

If you fail to comply with this cease and desist demand, I will have no choice but to pursue further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing civil litigation for FCRA violations.

I expect full compliance and a written response within 30 days, as required under 15 U.S.C. 1681i. This letter serves as formal notice, and failure to act accordingly may result in legal consequences. 

Sincerely, 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
THIS IS A DEMAND NOTICE On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, who was collecting on behalf of Jefferson Capital Systems , LLC, sent me a picture and text message. The text nor picture indicated who you were attempting to collect from, only that you were collecting for a XXXX XXXX account. The text included a link. I previewed the link and could see it was for my brother XXXX. This is a willful violation of both the TCPA and FDCPA. You have never received prior TCPA consent to contact my phone number ( ending in XXXX ). Despite knowing you had no consent, you sent me both a picture message and text message. The communication not only purposefully identifies that a debt is owed, but also masks who it's for and makes you click on a link to find out. You knew the phone number was not my brother 's, as it has never been associated with him, and willfully told a third party about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best buy credit card has not reported anything to XXXX credit bureau anything to XXXX since 2022. XXXX still claims that Best buy credit card is active and not closed when in fact the account was closed in good standings Best buy credit card has failed to provide financial reporting to XXXX on my account. When will Best buy update my financial reporting to XXXX? And all the major credit bureaus? When will Best buy notify XXXX that my Best buy credit card is closed because XXXX claims that the account is still active. Best buy credit card has not been reporting My financials to any credit bureaus especially XXXX which claims that my Best buy credit card is still active when it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: WA

Complaint narrative:
I request the original agreement without success, otherwise have been bombard by phone from the collector. Also according to 15 U.S.C. 1692c ( c ) debt collector is prohibited from communicating with a consumer after the dispute.

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

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), credit reporting agencies, including XXXX and Equifax, are prohibited from reintroducing previously deleted information into a consumers credit report without proper notification and certification from the data furnisher. 

A violation occurs when : Reinserted Accounts Without Proper Notice : If an account that was previously removed from a credit report is reinserted without informing the consumer in writing within five ( 5 ) business days, this violates FCRA guidelines.

Lack of Creditor Certification : Before reintroducing an account, the credit bureau must obtain certification from the creditor stating that the information is accurate and verifiable. If XXXX or Equifax fails to obtain this certification, the reinsertion is illegal under the FCRA. 

Failure to Provide Consumer Rights & Documentation : The consumer has the right to dispute any information on their credit report. If the reinsertion is unverified, inaccurate, or lacks notification, it denies the consumer their legal right to dispute the entry properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
In XXXX of 2023, I changed my hazardous insurance company to XXXX. The former insurance XXXX XXXX ( XXXX ) sent me a refund. I then called my current mortgage company XXXX XXXX and after depositing the refund into my account and instructed them to apply {$1200.00} to my escrow account. XXXX XXXX did not apply the refund to my escrow, they applied to my Principal. My Mortgage payment went from {$1100.00} a month to now {$1300.00}, an amount I can barely afford. This is the XXXX mortgage increase I have experienced dealing with XXXX XXXX. The first increase came from the same mistake with my escrow account. They made an error by paying my taxes to the state twice which shorted my escrow and causing my mortgage to increase. No fault of mine in both instances but I am being penalized with increases to my mortgage payments. This is not fair to a XXXXXXXX XXXX XXXX XXXX XXXX Please help. My current mortgage payment is high at this point, I do not know how much more I can make this payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
XXXX filling a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practice, which violates the XXXX XXXX XXXX ( XXXX ) specifically and Cash App failed to take timely and effective measures to prevent and and address fraud on their platform and leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive as they didnt comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA XXXX and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for the these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit agency violated the fair credit reporting act 663, Credit agency continues to put incorrect information and reporting incorrect items on my credit report. As stating any inaccuracy on the file to be removed. Credit agency continues to violate this as I have an open ongoing identity theft on my file. I have Credit agency credit freeze credit to lock creditors from reporting back onto my file. They are failing to block creditors from reappearing on my credit file. 
Identity theft case going on still

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Date : XX/XX/year> Your Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Collection Agency Name RADIUS GLOBAL Collection Agency Address XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX XXXX  credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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