vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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 filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFOS ). 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 ( 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 the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On ny most recent credit report, I spotted inquiries that I did not submit, including one possible inquiry from another country ( the XXXX ) as well as XXXX, a company seemingly affiliated with XXXX XXXX. I did not authorize these inquiries and have many issues with identity theft as well as illegal theft from my residence, mail theft, document theft that I have reported within a timely manner. Upon calling Equifax on XX/XX/XXXX  at approximately XXXX XXXX  EST time from my listed phone number, the male employee refused to acknowledge the incorrect information on the report as well as trie to claim that the inquiried were from Equufax itself, when the inquiries from Equifax are clearly labeled. Rude and incompetent customer service which can be detrimental to identity theft investigations due to their failures to properly investigate identity theft and incorrect information in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

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. 
Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2, states a consumer reporting furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of Information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( 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 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 2025-01-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX account opened XX/XX/XXXX without my consent. Someone used my information to open a credit card account. The account was charged off with a balance of {$620.00} on XX/XX/XXXX. This has affected my credit score for years. After much effort in reaching out to XXXX XXXX XXXX XXXX, XXXX, and Equifax, I have not gotten any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have reached out to this company to remove derogatory from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not been able to access my credit report from TransUnion since XXXX of 2024. I can't access it online, I can't access it over the phone, and Transunion has never responded to my request for a report or my disputes. I sent out a letter in XXXX of 2024 and have yet to hear a response. Despite being sent all of the appropriate documents they still refuse my right to free and fair consumer report. 

Transunion refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof.

TransUnion also has 3 bankruptcies attached to an address that is not mine reporting. These bankruptcies need to be removed as well. XXXX received their information from public records without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. 

These are violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.

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 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
I started to apply for my loan assumption in XXXX of XXXX. As of XX/XX/XXXX it is still ongoing. Due to delays that are the fault of CMG Mortgage, they ran my credit twice ( impacting my credit ), required me to provide my pay stubs three times, required me to provide bank statements six times. I have provided all requested items in a timely manner. After each request, I've had to wait 30 to 75+ days for a response. They request items could have been asked the first time I provided documents and they ran my credit report. When I provide them what they ask for on an item, they come back and say they need additional information ( that they could have asked for in the request ). I have asked to speak to someone in underwriting so that I could provide supporting documents immediately but that has been ignored. I am more that happy to provide any needed documentation but the constant delays have made me in contempt of court. I was supposed to have this refinanced by XX/XX/XXXX ( one year after my divorce ). My ex husband has required me to pay for a life insurance policy in the amount of the loan. I could be taken back to court at any time. My pay, credit score, and small amount of debt more that qualify me for this assumption but it is as if CMG Mortgage is trying not to approve it. I can provide all supporting emails, letters, and other documentation as needed but it contains personal information. I've attached a timeline of events without personal information included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited {$2600.00} in cash on XX/XX/year> at a chase ATM at XXXX XXXX XXXX XXXX XXXX, ct XXXX. The receipt only stated to verify this transaction went through please call XXXX The ATM did not give me a valid receipt. Nor did it give me the option to take my cash back. The bank is saying I only deposited {$1800.00}. However, on that day, I know I deposited {$2600.00}. I have disputed this and have been unable to resolve this incident with Chase nor are they willing to audit the ATM machine or review the security cameras.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Unnecessary holds on checks that I have deposited which have resulted in overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-01-26 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: Early Warning Services, LLC
State: AL

Complaint narrative:
Name : XXXX XXXX XXXX Consumer XXXX Date Of XXXXXXXX  SSN : XXXX ID Type : Drivers License ID XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX Early Warning Services LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX I am writing to request investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX [ Open XXXXXXXX  ] Account XXXX XXXX XXXX Bank : XXXX XXXX XXXX - XXXX  [ Open XXXX ] [ Closed XXXX ] Account Number : XXXX Routing XXXX I dont recognize the following accounts in question. Im a victim of identity theft and i dont recognize these accounts on my report. Im requesting the following information be deleted from Early Warning Consumer report immediately! Ive attached a copy of the report to this request. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The date is Sunday, XX/XX/year>, the amount is {$29.00} a month charge. 
The person listed a house for rent on XXXX. They claimed to be a female with a fake female picture of somebody on XXXX. They said they were gon na run a credit report. And when I clicked on the website they sent me to it was for something like credit monitoring. It wasnt for a credit report.. They sent me their phone number to chat with them the phone number was XXXX ( XXXX ) XXXX. When I said this looks like its for a credit monitoring service and not for a credit report they would not answer or respond to that statement. 
I then began to ask them to call me and I also tried to call them. They would not answer the phone and they would not call me. When I said you must be an XXXX scammer and I said some rude things to see if I could get an unsavory response, it worked and they began to talk about my mother. I never went through with my information because I knew this must be a scam. So I didnt lose anything, but I want to stop them before they get somebody else. They probably get information through that website. I imagine they hacked it. You guys have to stop this person. 
This is the website they used 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 non-monetary relief
Consumer complaint received 2025-01-26 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have account with synchrony Bank then keep lowering my credit card for no reason at all this hurts my credit they do what they want and no one stop them who can I complain to to get them to stop hurting me on my credit report this is a bad company to deal with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I request that you investigate and resolve the following discrepancies : XXXX XXXX Account # : XXXX Reported Balance : {$0.00} XXXX Account # : XXXX Reported Balance : {$1200.00} XXXX  Account XXXX : XXXX Reported Balance : {$1800.00} XXXX Account XXXX : XXXX Reported Balance : {$95.00} XXXX Account # : XXXX Reported Balance : {$4100.00} XXXX  Account # : XXXX Reported Balance : {$2000.00} I have attached supporting documentation to assist with your investigation. 

I request that Equifax : Conduct a thorough investigation into these matters. 
Correct or delete the inaccurate information as appropriate. 
Provide me with a copy of the updated credit report reflecting these changes. 
Please note that FCRA requires you to resolve this dispute within 30 days. If additional documentation is needed, please contact me immediately at the address above. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your actions to resolve these issues. 

Sincerely, XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof. 
These are the accounts I have marked as inaccurate : 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 non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof. 
These are the accounts I have marked as inaccurate : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
I am filling against Equifax for failing to properly investigate my disputes regarding inaccuracies, 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. which mandates a reasonable investigation of disputes. Equifax 's actions also contravene the consumer financial protection act. as highlighted in the CFPBs recent administrative proceedings ( file XXXX ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with proof of investigation. 

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 all accounts that I have previously requested disputes for through Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against AARGON AGENCY INC for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : AARGON AGENCY INC Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Debt Information : Debt Amount : {$3000.00} Original Creditor : AARGON AGENCY INC Account Number:XXXX My Request for Debt Validation : I sent a debt validation request to AARGON AGENCY INC, asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that AARGON AGENCY INC has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it.

Actions Taken : I have attempted to resolve this matter directly with AARGON AGENCY INC, but their failure to respond appropriately has left me with no choice but to escalate the issue.

I respectfully request that the CFPB intervene in this matter to ensure that AARGON AGENCY INC complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt.

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

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 2025-01-26 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: LA

Complaint narrative:
XXXX XXXX is reporting obsolete and inaccurate information on my credit report such as Date Last Verified Date of last activity Date opened

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash app did nothing to settle my fraud charges. I tried to dispute charges that someone had stolen my cashapp info and collected money sending to my account then transferring it to there account while I was sick in the hospital. I tried and submitted nothing was resolved. This person cashapp didnt help me find or return my money stole over a XXXX dollars from me. I since then had to create a whole new account and start from scratch

Company response to consumer: Closed with explanation