vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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:
Cash app claims that there was fraud on my account but when I called they have no record or no proof that it was my account. They say I made an appeal but I havent which means they closed my account on suspicion instead of a facts. now they are not willing to pay out my money or make a new account. There was nothing sent to my email regarding a decision or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
After reviewing my credit reports I know a number of fraudulent inquiries that I did not authorize on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: VA

Complaint narrative:
After reviewing my credit reports I know a number of fraudulent inquiries that I did not authorize on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am submitting this complaint against Resurgent Capital Services ( collecting on behalf of LVNV Funding LLC ) regarding a collection account that has been reported and pursued without proper legal validation. 
I submitted a formal debt validation request under FDCPA 1692g ( b ) and disputed the accuracy of the debt as allowed under FCRA 1681s-2 ( b ). Resurgents response was legally insufficient. They provided : A basic billing statement that could be generated internally A generic account summary not issued by the original creditor No signed original agreement bearing my name No full itemization of charges, fees, or interest No chain of assignment showing the debt was legally transferred to them No documentation verifying XXXX XXXXcompliant reporting or accurate XXXX Their continued furnishing of this unverifiable data to the credit bureaus constitutes violations of : FDCPA 1692g Failure to validate upon request FCRA 1681s-2 ( b ) Furnishing inaccurate and unverified information FCRA 1681i Failure to reasonably reinvestigate XXXX XXXX standards as required by the XXXX Resurgent is reporting a balance that has not been validated, continues to report in a format that does not align with XXXX XXXX XXXX and has failed to demonstrate legal authority to collect or report the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I sent a Zelle transaction via my banking institution on XX/XX/year>. The recipient never received the funds. I received a message from Zelle stating the transactiob has failed, however the money was taken from my account. I contacted my banking institution first, who mentioned they would contact Zelle. Per the rep, they spoke with someone from Zelle, who mentioned the funds would be returned within 3 business days. This never happened. I contacted, my banking institution again the following week and they said that they would put in a ticket with Zelle to correct the issue. It will take 7-10 business days. After the 10th business days, the funds were not returned. I was provided the number to reach out to Zelle myself. I contacted some from Zelle, and the first time they mentioned they would enter a ticket to have it investigated. It would take 7-10 business days. I received a message on XXXX stating that the investigation has been completed and that the funds will be credited back to my account. This never happened, which prompted another call to Zelle. Per the rep ( the 2nd rep from Zelle ) he mentioned this will be investigated again and can take another 7 business days. I waited again, but no one ever contacted me. The 3rd and final call to Zelle, they claimed that they were unable to send the money back to the account because the information on their end showed my other banking institution. I would need to update it from the Zelle profile, which I am unable to do, as Zelle has stopped every user from being able to update, send or receive money via the Zelle app. The rep mentioned they would have to send the money another way, and likely to maybe be in the form of a check. They mentioned ( again ) that I will get an update within 3 business days. I've not gotten anything and we are now in XXXX. I truly feel as though I have been scammed and need assistance because Zelle has clearly decided to not correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
This complaint is regarding a fraudulent transaction that occurred through Cash App. I paid an individual under a written and verbal agreement for a puppy, and the seller never delivered the animal or issued a refund. Despite timely reporting and multiple attempts to get assistance from Cash App, the company has failed to investigate the matter properly or take any meaningful action. 

This issue is not related to the historical customer service concerns outlined in the CFPB Consent Order, and should not be categorized as such. Cash App has previously misclassified my complaint under that settlement, which led to it being closed without review. I am resubmitting this issue with clear details to ensure proper handling and investigation. 

I requested : A formal investigation into the recipients account Documentation of any review conducted A refund or reversal of the funds based on the fraudulent nature of the transaction Cash App responded with generic messages, stating they could not reverse the payment, and refused to provide any proof that an investigation was done. They also only responded through private email instead of addressing the issue transparently on public platforms like the XXXX XXXX XXXX. This lack of transparency and refusal to assist a consumer who acted in good faith is unacceptable. 

I am seeking reimbursement for the amount lost and a proper fraud investigation into the transaction and recipient account. 

I have documentation including the Cash App payments, contract terms, and communication with the seller. I am happy to provide this information upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  RE : Unauthorized Access and Use of My Consumer Report Violation of 15 U.S. Code 1681b To Whom It May Concern, I am writing to formally dispute and demand an immediate investigation into the unauthorized furnishing and/or access of my consumer report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b.

According to this federal statute, a consumer reporting agency may not furnish a consumer report to any person or entity without a permissible purpose, which includes obtaining written consent from the consumer in many instances. 

Upon reviewing my credit report, I discovered that an unauthorized party accessed or was furnished my consumer report without my knowledge or written consent. I have never granted written authorization to Experian or to the party in question to access my consumer information. Therefore, the release of my credit file in this case was unlawful and a clear violation of my rights under the FCRA.

Pursuant to 15 U.S. Code 1681b, I demand the following : 1. A full investigation into this unauthorized access ; 2. The name and contact information of any party that received or accessed my consumer report without my permission ; 3. The date and the stated reason for each access ; 4. The immediate removal of any unauthorized inquiries or entries from my credit file ; 5. Written confirmation that this matter has been resolved and that there will be no negative impact on my credit report.

Failure to correct this issue and respond within the 30-day window allowed under the FCRA will leave me no choice but to pursue legal remedies, including formal complaints with the Consumer Financial Protection Bureau , the Florida Attorney General, and potential civil litigation. 

Sincerely, XXXX XXXX XXXX [ Signature : XXXX Would you like me to generate a downloadable PDF or Word version of this letter for you?

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 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a follow up to my original letter dated XX/XX/scrub>/25 regarding inaccuracies in your credit reporting resulting from identity theft from several data breaches of my information.

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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have made XXXX Calls to Wells Fargo and XXXX Calls to XXXX trying to get this resolved. 

XX/XX/XXXX : I made a {$120.00} charge @ XXXX. However, days & and Month goes by and nobody could locate my {$120.00} or send me a receipt copy of the charge. 

XX/XX/XXXX : I disputed the charge with Well Fargo. 

XX/XX/XXXX : XXXX supervisor help me locate the charge and advised what and where to locate the {$120.00} purchase I made XX/XX/XXXX XXXX : I am still attempting to received the {$120.00} due back to me. 

XX/XX/XXXX : Spoke to XXXX at Wells Fargo. I have received XXXX letters that my dispute is closed and I am due back the {$120.00} This is going on 2 Months.

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 monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-21 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Im requesting more information as Im not satisfied with results They say I have to many loans and it effected my loan pay off. Ive live here to long and it should be under XXXX If Im at where they say I am Ill never get paid off. I also recieved a letter say they are switching my mortgage to another mortgage company and they told me I owed XXXX I got a new statement and tells me I owed XXXX I feel they are being shady now all sudden switching companies and they knocked off almost XXXX off since Ive requested all this. I know well Fargo in past has robbed people on thier mortgages I dont want to be that person I pay my mortgage and work hard. 
Please look into this again before they switch I only have til XX/XX/2025 Thank you

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MortgagePros, LLC
State: GA

Complaint narrative:
I have contacted this company multiple times to stop sending these ridiculous solicitations, and they have not stopped. this first time was by phone, and the customer service rep was rude and sarcastic. since then, they have been contacted multiple times, and there have been multiple complaints here. Each time they say I am being removed from their list. Clearly, I haven't been. In keeping with the warning in my last complaint, I am saving every solicitation I receive from them, and will likely eventually have to file charges against them. I have 3 so far including the one received today. I am getting one a week now. Yet here I am, giving them another opportunity to fix it before legal channels are pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
i disputed the information with XXXX as being inaccurate and I have no knowledge of this account

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 2025-04-21 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-21 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have 3 hard credit pulls on my credit report that I was told would be removed. They were never removed and I havent been adequately helped. The inquiries are just there destroying my credit scores! Capital one has been ZERO help to me whatsoever. I was also told I wouldnt receive any mail or notifications from them in the future. I still do and it has nothing to do with those 3 inquiries.

Company response to consumer: Closed with non-monetary relief