vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Finance Protection Act ( CFPA ). Specifically, Cash App ( Block , Inc. ), failed to take timely and effective measures to prevent and address fraud on their platform ; therefore, 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 2025-01-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX keeps saying I owe them XXXX something dollars when I don't. I received a federal student loan for classes at the time in which it covered. I lost my mother & had to take some time away from school. Next thing I know I'm getting various calls from William and Fudge a dept collection agency saying I owe money that I don't. Where is the break down of how I owe this money? I received an email stating XXXX XXXX formally known as XXXX XXXX XXXX XXXX defrauded many students so my student loans were being forgiven due to their deceptive lies. William and fudge needs to check into this & take this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: OH

Complaint narrative:
XX/XX/XXXX I came and cashed my income tax check and they took it because they said I came in XX/XX/XXXX and cashed a fraudulent check in my name and it wasnt me I am still trying to get my money back that they have yet to do and I was wondering how can I get it back. I have a copy of the back of the check which someone signed and its not my handwriting I have the check number of the company I never worked for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint on the following dates for XXXX XXXX XXXX Account # XXXX XX/XX/year> XX/XX/year> I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint on the following dates foXXXX XXXX XXXX XXXX Account # XXXX XX/XX/year> XX/XX/year> I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
[ XXXX XXXX ] [ XXXX ] [ XX/XX/year> ] AMSHER COLLECTION SERVICES [ Agency Address ] [ City, State, Zip Code ] Subject : Debt Validation & Cease Reporting Request [ Account Number ] Dear AMSHER COLLECTION SERVICES, I am formally disputing the validity of the alleged debt reported under my name and Social Security number. Pursuant to my rights under federal law, I demand that you provide proper validation of the debt, as required by the following laws : 15 U.S. Code 1681 ( c ) ( 2 ) Restricts reporting of outdated negative information.

15 U.S. Code 1691 ( g ) Requires creditors to provide clear and accurate information regarding adverse actions.

15 U.S. Code 1692 ( c ) & ( g ) Governs communications and requires debt collectors to provide complete and verifiable debt validation.

15 U.S. Code 1681 ( e ) & ( i ) Mandates reasonable procedures for accuracy and dispute resolution regarding consumer credit information.

As per 15 U.S. Code 1692 ( g ), you are required to provide the following : A full breakdown of the alleged debt, including the original contract bearing my signature.

Documentation showing your legal authority to collect on this debt.

Proof that AMSHER COLLECTION SERVICES has complied with all reporting requirements under the FCRA.

A detailed account history, including payments, interest, fees, and any relevant calculations. 
Failure to provide this information within 30 days will constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( MO ) 281 SW 715,719, your failure to provide proof within the required timeframe will be taken as an admission that no such debt exists. 

Additionally, I demand that you : Immediately cease all collection efforts and communications regarding this alleged debt. 
Remove any derogatory information related to this account from my credit report. 
Failure to comply with my requests will leave me no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Furthermore, I reserve my right to take legal action against any continued violations of my rights under these federal laws. 

This request is being made in reference to XXXX XXXX XXXX and XXXX in connection with this dispute. Please ensure that all records, correspondence, and responses reflect these names accordingly. 

Please respond to this request in writing within 30 days. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint against Cash App ( Block , Inc. ) for its unlawful customer service practices, which I believe violate consumer protection laws. My concerns align with the recent CFPB lawsuit against Cash App regarding its failure to provide proper customer service, unauthorized transactions, and deceptive practices.

Like many other consumers, I have experienced firsthand Cash Apps lack of accountability when resolving disputes. The company routinely makes it difficult for customers to reach a live representative, forcing them to rely on automated responses that fail to address their concerns. This is especially problematic when dealing with unauthorized transactions, fraud, or technical issues that require immediate attention. 

Furthermore, Cash App has demonstrated a pattern of failing to properly investigate and reimburse fraudulent or erroneous transactions, leaving consumers financially vulnerable. The companys refusal to adhere to fair banking practices, including providing clear disclosures and an accessible dispute resolution process, is both unethical and illegal. 

I urge the CFPB to take swift action to hold Cash App accountable and to implement stricter regulations that ensure customers have access to transparent and effective support services. Additionally, I request an investigation into Cash Apps handling of consumer complaints and demand that corrective measures be taken to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling a complaint against cash app ( block, ink ) 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 there platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution 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 2025-01-30 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: CA

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Request for Removal of Accounts from Experian and XXXX Due to Lack of Thorough Investigation Dear Sir or Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) intervene regarding inaccurate credit reporting practices by Experian and XXXX. Specifically, I am seeking the removal of the following accounts from both credit reporting agencies : Experian Account Number : XXXX TransUnion Account Number : XXXX, XXXX I have reviewed my credit report and find these accounts to be accurate ; however, neither Experian nor XXXX has provided any evidence of a thorough investigation into disputes that were raised. Both agencies are failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that a reasonable investigation be conducted when a consumer disputes information on their credit report.

Moreover, this failure to properly investigate is also in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPBs recent administrative proceeding against Equifax ( File No. XXXX ) has emphasized the importance of agencies adhering to these federal laws, and it appears that Experian and XXXX may be engaging in similar practices.

Given these circumstances, I request that the CFPB take appropriate action to ensure Experian and XXXX comply with the FCRA and the CFPA, including providing consumers with the necessary documentation of investigations, or, in this case, removing the accounts from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response and a resolution of this issue. 

Sincerely, XXXX XXXX I want reported accounts removed please.

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 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MA

Complaint narrative:
I previously used Dave.Com, dba Dave Inc. for services and secured an extracash ( cash advance ) of {$500.00} including a fee of {$22.00} for instant deposit. Per the terms of the agreement and under CFPB regulations, and including the EFT act, I submitted a notice of ACH revocation. DAVE acknowledged receipt, and despite it meeting legal requirements, refuses to honor the request. DAVE subsequently debited my account using a different name to circumvent a bank hold, ACH notice, an attempt to fail to comply with the law/regulations. DAVE is intentionally and maliciously attempting to circumvent CFPB regulations, regulations under the XXXX XXXX, and further ignoring other legal notices ( please note that I send a demand notice and notice to preserve evidence as required under rule XXXX and applicable federal/state law. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing to share the devastating experience Ive been going through as a result of a data breach and fraud that has completely ruined my financial stability. What started as an unfortunate event has turned into a nightmare that has affected my entire life, and Im struggling to recover from it.

In [ month/year ], I discovered that a significant amount of money had been drained from my Cash App account, followed by fraudulent charges made using my linked bank account. The fraudsters didnt just steal my moneythey used my bank account to place orders, make purchases, and even initiate transactions I never authorized. The first incident occurred on [ date ], when I saw a series of unauthorized transactions totaling [ amount ]. I immediately reported this to my bank, XXXX, hoping they would resolve the issue quickly. However, what happened next was even more heartbreaking and frustrating. 

Instead of offering support or investigating the fraud, the bank dismissed my claims and told me that it was my fault for not securing my account properly. They then closed my bank account, leaving me in financial chaos and with no access to my funds. I was told that they couldnt help me further, despite clear evidence that my account had been compromised. It was as if I didnt matterno empathy, no understanding of how serious identity theft can be. 

This has caused me untold stress and emotional turmoil. Not only have I lost thousands of dollars, but my trust in the banking system has been completely shattered. The fraudsters continue to run rampant with my financial information, and now I am left struggling to rebuild my credit and my life. My credit score has plummeted, and I am paying out-of-pocket for credit monitoring services just to stop the bleeding.

This whole experience has turned my life upside down. I feel powerless and betrayed, as I did everything rightreporting the fraud to the bank immediately, securing my accounts, and following up repeatedly. Yet, I was met with nothing but excuses and blame. Im left to deal with the consequences of this fraud on my own, and its completely overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: ID Analytics, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

I requested my XXXX report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: DE

Complaint narrative:
XXXX XX/XX/year>, I submitted a dispute with Equifax regarding multiple accounts that should not be on my credit report. Despite my request for an investigation and removal of these accounts, I have never received any response, supporting documentation, or resolution from Equifax. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and respond to disputes within 30 days, yet they have failed to comply with this legal obligation. 

The accounts that should not be on my credit report include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These accounts are inaccurate and should not be associated with my credit file. Equifax has failed to verify their legitimacy and has continued to report them despite my dispute. 

By not investigating my dispute and allowing these accounts to remain on my report, Equifax is violating my rights under the FCRA and causing unnecessary harm to my credit profile. Their failure to respond in a timely manner, or provide any documentation proving these accounts are valid, is unacceptable.

Company response to consumer: Closed with non-monetary relief