vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
I am writing in response to your correspondence dated XX/XX/scrub>XXXX. While I acknowledge receipt of the documents you have provided, I must clarify that the information remains insufficient to fully validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The documents you referenced, including the signed contract, deficiency notice, transaction history, and bill of sale agreement, have not fully substantiated your right to collect this debt, nor do they clearly demonstrate the transfer of rights from XXXX XXXX XXXX to NCB Management Services , Inc. I continue to request further clarification and the following : Clear Proof of Transfer : While you indicate that the rights to collect the debt were transferred from XXXX to NCB, I require complete documentation demonstrating the full legal assignment, including a clear chain of custody of the debt from XXXX to NCB. This must include all original and subsequent assignments, contracts, or agreements bearing my signature or any formal acknowledgment of my obligation to repay this debt. 
Confirmation of the Statute of Limitations : I also request documented evidence confirming that this debt is within the statute of limitations, ensuring that your collection actions are legally permissible. Please include any relevant documents or agreements showing that the debt remains within the allowable period for collection under applicable law. 
Account Payment History and Fee Details : The transaction history you provided does not include a complete breakdown of all payments, charges, fees, or interest that have accrued. I request a fully detailed account payment history, itemizing each payment, charge, and interest to substantiate the balance you claim is owed. 
Furthermore, as noted in my original dispute letter, please ensure that no negative marks associated with this debt are reported to the credit bureaus during this period. If the information you have provided is found to be inaccurate or incomplete, I will not hesitate to take appropriate legal action for violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

I look forward to your prompt response and a complete resolution of this matter. Please be advised that any further collection activities should cease during the period I am reviewing the provided information. If you do not provide the requested validation within the next 30 days, I will expect all references to this account to be removed from my credit file. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against cashapp ( block, INC. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on there platform. Leaving my account vulnerable and unprotected. Further more their dispute 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 of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: MD

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding their handling of multiple disputes I have submitted concerning inaccurate information reported by the consumer, XXXX XXXX XXXX. Despite advising TransUnion several times that the information they are reporting is inaccurate, they have failed to update the information accordingly. 

Over the course of these disputes, TransUnion has acknowledged receipt but has not taken appropriate action to correct the inaccuracies. Additionally, I currently have an active dispute open, but I am unable to access or review this pending dispute. When I reached out to TransUnion for assistance, they confirmed the dispute was open but did not provide any means for me to view its status or attach supporting documents to substantiate my claim. 

Due to the number of disputes I have filed and TransUnions continued failure to report the information correctly, this has caused me significant life challenges. I am being denied housing opportunities based on inaccurate credit information and have limited access to essential resources. These inaccuracies are creating an ongoing crisis in my life, making it difficult for me to secure stable living conditions and move forward. 



Disputed XXXX Transunion verified information as accurate when it was not accurate which caused my score to drop Disputed XXXX- Transunion denied dispute and kept information as accurate Disputed XXXX - Transunion denied dispute and kept information as accurate Disputed XXXX  - Transunion denied dispute and kept information as accurate Disput Called XXXX XXXX acceptance to update information to credit beauras on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Updated and then reversed update and it effected credit neg XXXX XXXX XXXX XXXX Adjusted my balance from XXXX to XXXX when the was incorrect the company recieved a bulk check of XXXX due to the car being totaled. 

The company has also stated in a attached letter of complaint my accurate amounts but still submitted false information about payments and how many payments have been made Transunion or XXXX XXXX acceptance is NOT updating information, the last reports from Transunion from the company was in XXXX  and they have not updated since.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against ( 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 2025-01-17 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 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and Unfair practices, Which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 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 2025-01-17 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 to conduct disputed items despite the evidence i provided a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. these failure align with my experience, where Experian has corrected nor removed disputed items despite the evidence i provide, causing ongoing harm to my credit standing .i am requesting immediate corrective action to remove amend the disputed accounts, as Experian 's inaction 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 2025-01-17 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 and deceptive, as they do 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 am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
So I've provided Experian with dispute request for many negative charges that were on my account some with I want that I still have open and active that are in good standing one of them being my XXXX XXXX loan for my home, Experian has this dispute center on their website that you can go in and dispute inaccuracies on your credit report, so I disputed some names that they had for me, which were not my legal name, nor have I ever used. I disputed some addresses that I've never lived at and phone numbers as well as creditors. Basically, these were charge-offs where the company sold the outstanding balance to some other third-party, who continuously keeps replying these negative derogatory against my credit report when I have requested on several occasions for them to send me proof. That they have documentation with my signature on it, showing that I approved them buying my debt. They have not produced any evidence to me that I signed anywhere that I was approving for any debt collector to purchase any of my outstanding debt. 

Experian decides in their dispute section that they aren't really disputing anything because within 24 hours after I put in a dispute unsaid information, they come back and have not done anything to assist. There is no way you can feasibly tell me that Experian. Contacted these creditors and talked with them and got any pertinent documentation to keep the stuff on my credit report they come back at me saying denied. They didn't even go as far as removing the incorrect names on my credit report or the incorrect phone numbers or addresses.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filling a complaint against cash app blocking due to in adequate customer service and unfair practices, which violate the customer financial protection act CFPA. Specifically cash app failed to take timely in 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 do not comply with air resolution requirements under electric fund transfer at EFTA and regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: Driveway Finance Corporation
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Repair Act ( FCRA ) to conduct a reasonable reinvestigation 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 furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, I had sent a XXXX payment to the wrong person. When the person who was supposed to receive the XXXX payment notified me that he had not received the payment I looked in my XXXX inbox, where Chase stated that they had canceled the payment. Thinking that that was the reason why he had not received the money, I sent another payment to the wrong person on XX/XX/XXXX. When the person who was supposed to receive the money still had not, I looked and realized he gave me the wrong number to send the money to on XXXX. I filed a claim on XX/XX/XXXX ( Reference # XXXX ), which Chase denied because there were multiple payments to the same token address. Even though the reason there was multiple payments was because of their error, ( telling me that a payment was canceled when it was not ) I was never given the chance to explain the situation, they just closed the claim. I attached files that show the email Chase sent me saying they canceled the payment, the man who was supposed to receive the payment saying he never got it, and a screenshot of the man who was supposed to receive the payment 's balance which further supports that he never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I sent money to the wrong person unable to get it back

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 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
They took me to court and tried to sue me for {$20000.00}. I would like to do a formal complaint to the cruelty relief fund against.. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX For j the judgment illegally against me breaking the law ( section XXXX point criminal penalty ) ( a ) ( b ) on Time Barred Debt on closed accounts from XX/XX/XXXX to XX/XX/XXXX at the same time this judgment was put against me. I received a letter from my bank XXXX XXXX XXXX where my account was suspended frozen on XX/XX/XXXX from and collected money where my checking account was - {$5500.00}. In the original petition the plain and seek monetary relief of {$20000.00} or less excluding interest, statutory and prove damages and penalties and attorney fees and cause there was also a violation by the CFRA change the dates on my credit report years from XXXX XXXX to now XXXX like they just happen when these are six years old have been on my report for over six years.

Company response to consumer: Closed with explanation