vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I have sent zelle deposit to phone numbers that was not currently active and the money was not retuned. Also sent deposit to the incorrect person due to similar XXXX name and was not informed who the legal/ registered account holder prior to sending the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Name of Bureau : Transunion LLC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXX  Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up.

Your immediate attention to is matter is greatly appreciated. Sincerely, Your Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against XXXX  for sharing my personal and financial information with FirstSource Advantage , LLC, a third-party debt collector, without my consent and in violation of California state laws, including the Fair Debt Collection Practices Act ( FDCPA ) and California 's Fair Debt Buying Practices Act ( FDBPA ). The alleged debts in question are {$480.00} and {$150.00}. 

On XX/XX/year>, I sent debt validation letters via certified mail to FirstSource Advantage , LLC, requesting validation of the alleged debts. The letters were received by FirstSource Advantage , LLC on XX/XX/year>, and XX/XX/year>, respectively. However, as of today, I have not received any response or validation of these debts from FirstSource Advantage , LLC, within the required 30-day period under the FDCPA. 

Despite this, XXXX, the original creditor, sold my information to FirstSource Advantage , LLC, and the debt collector has attempted to collect on these alleged debts without providing proper validation, as required by law. This is in clear violation of my rights under the FDCPA, as the debt collector can not continue collection activities without providing proof of the debt.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate action to ensure my rights are protected. Please feel free to contact me if you require any additional information or documentation regarding this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Dear CFPB, I am writing to bring to your attention a concerning issue I have encountered with Portfolio Recovery Associates regarding a debt they claim I owe. I previously sent a letter to Portfolio Recovery requesting validation of the debt, specifically asking for the following information : 1. The chain of assignment for the debt.

2. The date of first delinquency.

3. The date of last payment.

Unfortunately, Portfolio Recovery failed to provide the information I requested. Instead, they responded by stating that they purchased the debt from XXXX XXXX and included the amount XXXX XXXX claims I owe. However, it is important to note that XXXX XXXX is not the entity reporting this debt on my credit report ; Portfolio Recovery is. Therefore, it is Portfolio Recovery 's responsibility to validate the debt they are attempting to collect.

In light of this, I am formally requesting that Portfolio Recovery provide the information I asked for in my initial validation request. If they can not substantiate the validity of this debt by providing the necessary documentation, I expect them to remove this collection account from my credit report.

I have attached a copy of the letter I received from Portfolio Recovery as proof of their inadequate response.

This is my final attempt to rectify this situation. If I do not receive a satisfactory resolution, I will have no choice but to file a complaint with the Federal Trade Commission ( FTC ) regarding their failure to comply with the Fair Debt Collection Practices Act.

Thank you for your attention to this matter. I appreciate your assistance in ensuring that my rights as a consumer are upheld.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On several occasions I contact Zelle about payments process without my approval and they refused to help resolve the issues.

Money and Dates lost XXXX {$3300.00} XXXX {$4600.00} XXXX {$4300.00} XXXX {$1400.00} XXXX {$3600.00} XXXX {$4500.00} XXXX {$3300.00} XXXX {$3600.00} __________________ Total {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$20000.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/year> the XXXX account of a friend requested I send them money via XXXX  in the amount of {$320.00}. I later learned by speaking to other people familiar with the actual person associated with the account and they confirmed the account was hacked. I sent the money to several XXXX  addresses, and shortly after realized I was being scammed. I contacted XXXX  the same day, XX/XX/year> to report the transactions and try to get my money back. They responded XX/XX/year> stating they would not refund the money and could not give me any further detail due to their " privacy policy. '' I have proof of the conversations with the hacked account as well as with others confirming it was indeed hacked and acting under fraudulent pretenses. I also believe this person was impersonating my friend because they sent screenshots of his personal information taken on an XXXX XXXX but there are XXXX notifications overlayed that indicate to me this was not actually sent by taken and being used to deceive me. I offered to send all of this to XXXX  as proof of the fraud and they simply didn't respond and closed my case.

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

Complaint narrative:
I am falling 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 this violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/23 I was sending money for braids threw cash app it wouldnt go threw later found out it was a scam. I contact cash app via message they didnt have a XXXX number to call and just stayed it was nothing they could do so I was out XXXX dollars

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
MY NAME WAS LISTED IN THE DATA BREACH WITH XXXX AND XXXX. PLEASE REMOVE THESE ACCOUNTS THAT ARE NOT MINE. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$680.00} written off. 
XXXX Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. {$890.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00}

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
MY NAME WAS LISTED IN THE DATA BREACH WITH XXXX AND EXPERIAN. PLEASE REMOVE THESE ACCOUNTS THAT ARE NOT MINE. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$680.00} written off. 
XXXX Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. {$890.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I am writing to express my concern about Zelles handling of disputes. I can get more information from my bank on the date this occurred and I just heard about a lawsuit regarding Zelle. I filed a claim through my bank and through Zelle and Im dissatisfied with the out come. They failed to investigate my claim properly. They informed me that it would not be possible to get my money back and tracking these transactions would not be possible. Zelle has neglected to protect customers and information that would have been important to the police when I reported this. Had there been a hold on the money with such an amount it would have saved me a lot of heartache.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss fund was impossible and that tracking this transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns about Zelle 's handling of dispute resolutions, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuits that have highlighted significant issues with the platform. Despite my repeated use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.

The findings from the CFPB indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

I urge a thorough review of my cases and request that measures be implemented to enhance the security and efficacy of dispute resolution on your platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I would like to be reimbursed for any transactions that I made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion, and XXXX  did not do a complete and thorough investigation into my credit disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, and XXXX did not do a complete and thorough investigation into my credit disputes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my XXXX XXXX. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief