vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing regarding the debt you have contacted me about, which you claim I owe. Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting validation of this alleged debt. Please provide the following information : Proof of Debt The name and address of the original creditor. 
A copy of the agreement or contract that created the debt. 
Amount of Debt An itemized breakdown of the total amount you claim I owe, including principal, interest, fees, and other charges. 
Proof of Your Authorization Documentation that verifies your authority to collect this debt, such as a copy of the assignment or transfer agreement. 
Verification of Accuracy Evidence showing that this debt is accurate, valid, and not subject to error, fraud, or duplication. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit reporting agencies, as any unverified or inaccurate information could constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Please note that I am exercising my rights under the FDCPA, and this is not an acknowledgment or acceptance of responsibility for the debt. Additionally, further communication regarding this matter should be made in writing. 

Thank you for your prompt attention to this request. I expect your response within the 30-day timeframe stipulated by law. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Dear Credit Bureau Representative, I am writing to formally dispute the following information appearing on my credit report, which I believe is a result of identity theft and request that you immediately block this information pursuant to the Fair Credit Reporting Act Section 605B :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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 express my serious concerns about Zelle 's dispute resolution process, especially given the recent CFPB lawsuit that brought significant issues to light. Despite using Zelle frequently and reporting discrepancies, both my bank and Zelle failed to properly investigate my claims. 

They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. 

The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to abuse 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have had problems with this company taking my money as it comes on Im not sure of the dattes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer provided evidence to furnishes, accepting unreliable response, responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where experience has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law, and my rights as a consumer

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 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gatestone & Co. International Inc.
State: AZ

Complaint narrative:
I have paid my largest balance of XXXX and they are refusing to give me credit for the funds that have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XXXX, I received notice from a debt collection agency, Midland Credit Management, regarding two debts they claim are associated with retail credit cards originally issued by comenity bank and the XXXX XXXX XXXX. I believe these debts are not be mine or are inaccurately reported. Midland Credit Management did not provide proof of their legal right to collect these debts, including original agreements. A breakdown of amounts owed, original account number, including fees, interest, and charges were not provided. I also submitted dispute letters to major credit bureaus, indicating potential inaccuracies. These debts are reported as charge-offs, yet I have not received a XXXX XXXX of XXXX form, which is usually issued when a debt is officially canceled. As of today, Midland Credit Management has not provided adequate documentation to validate the debts or confirm their right to collect. Due to the lack of validation and necessary XXXX documentation, I believe these accounts are inaccurately reported. I request the CFPBs assistance to either validate these debts or remove them from my credit report if Midland Credit Management can not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Second Dispute Regarding Failure to Provide Consumer Report To Whom It May Concern, This letter serves as my second dispute regarding your failure to provide me with my consumer report, despite my previous request. I initially submitted a dispute to TransUnion on XX/XX/XXXX, and received a response from your company on XX/XX/XXXX, indicating that my report would be sent. However, as of today, I have still not received my consumer report. 

I have already filed a Consumer Financial Protection Bureau ( CFPB ) complaint, and this issue remains unresolved. Attached as Exhibit A, you will find proof of my request for the consumer report, made again on XX/XX/XXXX. 

I request that you immediately fulfill your legal obligation by providing me with my consumer report. Please also provide a valid explanation for the delay in sending it. 

I expect prompt action on this matter, and any continued failure to comply with the Fair Credit Reporting Act ( FCRA ) could result in further action. 

Please confirm receipt of this dispute and update me on the status of my consumer report. 

Sincerely, XXXX XXXX XXXX Attachments : Exhibit A Proof of Request ( XX/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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: 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 numerous or times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The cfbp findings that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit system leaving me and users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 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 2025-01-19 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:
Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer ervice and unfair practices, which violate e Consumer Financial Protection Act FPA ). Specifically, Cash App failed to take nely and effective measures to prevent and Idress fraud on their platform, leaving my count 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent in a letter to investigate inaccurate information on my consumer report. The count Virginia XXXX # XXXX It came back verified. I asked for proper documentation proving the inaccuracies and for them to be updated. Upon checking my report it still contains inaccuracies. This will be my second time reaching out to have this resolved. Please delete this account Immediately as this has been damaging my 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
My information was used fraudulently, and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate costumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
This rental company has attempted to charge me an additional {$100.00} for my last rental payment in XX/XX/year> even though I terminated my lease before the new amount took effect in XX/XX/year>. My initial rental payments monthly were {$1700.00}, and they are attempting to collect {$1800.00} for the last months rent. However, this company has not returned my {$1700.00} REFUNDABLE deposit that was paid when renting from them, and according to XXXX law the deposit paid can be used towards the last months rent if need be. It is illegal to keep a deposit when it is stated to be refundable, and try to collect more funds when the lease was terminated prior to the renewal date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed complaints with the CFPB regarding this on-going issue that I continue to have with Trans union regarding online access. I filed complaints on XX/XX/XXXX & XX/XX/XXXX that my online access with Trans union is restricted. I'm not able to pull my credit report, freeze or unfreeze my credit file, or purchase my score credit score. I've been told it may be a web browser use, and based on the response in compliant from Tran union on XX/XX/XXXX, they've stated that I'm not able to obtain my credit report during an investigation.

I don't understand when it's a Federal Law that I have rights to access my online credit report from each credit bureau even if I have active disputes. I've also provided a screenshot to show that I can't access my Trans union report from Annual Credit Report. com due to the restrictions caused by Trans union. This is not a web browser issue, I've also provide proof that my husband can obtain his report with no issue. I've talked with an attorney who states that a credit bureau can not limit access to a credit report due to an investigation even though Trans union has admittedly stated this in the compliant response on XX/XX/XXXX. 

This issue really needs to be investigated because Trans union is violating my rights to access. Please see the Exhibits I 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 explanation
Consumer complaint received 2025-01-19 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Debt Recovery Solutions , LLC ( XXXX XXXX  ) is using my information unlawfully. I feel that my rights have been violated Under 15 USC 1681i ( a ) ( 5 ) B ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I feel that my rights have been violated, and I demand that this information be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 regarding zelles 's 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 inform me that recovering lost funds was impossible and that tracking these transaction was unfeasible. the cfpb finding indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulenable 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 2025-01-19 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: CA

Complaint narrative:
The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer 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 explanation