vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX XX/XX/year> Subject : Cease-and-Desist Request Pursuant to 15 U.S.C. 1692c ( c ) To Whom It XXXX Concern at the CFPB, I am filing this complaint to formally request assistance in enforcing my cease-and-desist demand against the following entities regarding alleged debts : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. Consumer Portfolio Services , Inc . 
Account Number : XXXX These entities have failed to comply with my request, made under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which requires debt collectors to cease all communication upon receiving written notice. 
I have also filed a dispute with XXXX under report number XXXX regarding the inaccurate and incomplete reporting of these accounts. Despite these efforts, I continue to receive communications and/or collection attempts, which is a direct violation of federal law. 
This letter serves as a formal complaint requesting the CFPBs intervention to : XXXX. Ensure these entities comply with my cease-and-desist demand. 
XXXX. Investigate any violations of the FDCPA. 
XXXX. Take corrective actions, including the removal of these accounts from my credit report if they are invalid. 
Please let me know if additional documentation or information is required. I appreciate your assistance in resolving this matter. 
Sincerely, XXXX XXXX

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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$0.00} XXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$710.00} These credit accounts and collections are the results of identity theft and fraud.

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 2025-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$710.00} These credit accounts and collections are the results of identity theft and fraud.

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 2025-01-18 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: AR

Complaint narrative:
I am writing to address an egregious inaccuracy I discovered while reviewing my consumer report. Upon inspection, I was astonished to find that the following company ( ies ) is/are reporting a late payment ( s ) : 1.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX I demand the immediate removal of these erroneous late payment ( s ) from my report. This demand is grounded in established consumer protection laws that have been unequivocally violated. Below, I reference specific statutes that substantiate my position : 15 U.S.C. 1681a Definitions ; Rules of Construction Section 2, Exclusions, Subsection ( A ) ( i ) : Reports that contain information solely as to transactions or experiences between the consumer and the entity providing the report are not to be considered consumer reports under this statute. 
15 U.S.C. 6802 Obligations Concerning the Disclosure of Personal Information ( b ) Opt-Out Requirements : ( A ) Financial institutions must provide clear and conspicuous notice to consumers before disclosing personal information to third parties. 
( B ) Consumers must be given the opportunity to opt out of such disclosures. 
( C ) The institution must explain how consumers can exercise their opt-out rights. 
15 U.S.C. 1681b Permissible Purposes of Consumer Reports Subsection ( a ) ( 2 ) states that a consumer reporting agency may only furnish a report in accordance with the consumers written instructions. Reporting a late payment as a charge-off is classified as a transaction and does not meet the permissible criteria for inclusion on my consumer report. 
15 U.S.C. 1681n Civil Liability for Willful Noncompliance Subsection ( a ) establishes that any person or entity failing to comply with the requirements of this subchapter is liable for actual damages or statutory damages ranging from {$100.00} to {$1000.00} per infraction. 
It is my right under federal law to hold parties accountable for the willful or negligent violation of these protections. Therefore, I assert my right to seek damages in the amount of {$1000.00} per violation if this matter is not remedied promptly. 
Please understand that simply stating the item has been " verified '' is not an acceptable response. The only valid resolution is the immediate removal of the disputed charge-off ( s ) from my consumer report if the legal basis for its inclusion can not be substantiated. 
I expect a prompt response and an updated copy of my consumer report reflecting the removal of the incorrect information. Failure to comply with my request will leave me no choice but to pursue all available legal remedies to protect my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
I got a hard inquiry from this company and i do not recognize or authorize it

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 2025-01-18 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 got a hard inquiry from this company and i do not recognize or authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I got a hard inquiry from this company and i do not recognize or authorize it

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 2025-01-18 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, Ink. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furth more, 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 2025-01-18 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: MN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle '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 informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit 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 2025-01-18 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 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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AK

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 ( 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCP Holdings, L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX stated that when I pay off the balance they would connect the credit bureau to have the late payments removed or changed to current on my credit report. XXXX XXXX XXXX also stated that they would send me a letter with that information because I informed them that I am buying a home, and the lender said I can't report any late payments within 12-24 months. 

In XX/XX/XXXX, the balance was paid, and XXXX XXXX XXXX sent a letter showing the payment in full. XXXX, the representative I was working with, communicated via email that he was contacting the loan company and the credit bureau to update my account and remove or change the two reported late payments. 

In XX/XX/XXXX, I noticed that XXXX and XXXX changed the status to paid in full, and the late payments were current. XXXX only updated the report to paid in full. I disputed the report and informed them of what the status should be and what was told to me by the collection company. I contacted XXXX XXXX XXXX  about the issue in XX/XX/XXXX ; they stated they couldn't do anything to contact Total Loan Service. I contacted Total Loan Service, and they stated that they couldn't do anything because they sold the account to the collection agency XXXX XXXX XXXX 

I called XXXX XXXX XXXX and spoke with XXXX again, and he stated that they did their part and there's nothing they can do. XXXX XXXX XXXX  or TLS needs to contact the credit bureau to make the changes. 

XX/XX/XXXX, I contacted XXXX to check on the dispute that I submitted on XX/XX/XXXX, and they said they were waiting on any updates and that they see no late payments reporting. My lender does a soft pull and sees the two late payments reporting. I contacted XXXX again on XX/XX/XXXX. I spoke with another lady, and she stated that the two late payments are reported, and there is nothing they can do because they did update the report as was told to them, but not the late payments. I would need to upload any documents to support what I am saying. 

XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX TLS, and XXXX XXXX XXXX, and all three companies were pointing the finger at each other. I'm afraid that no one is trying to help me with getting the two late payment statuses updated so I can proceed with purchasing my home. I contacted XXXX again, and another lady said she didn't see any late payments reported. I told her they were showing on our end, and she said she could do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 from their platform, leaving my account vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Funds 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 2025-01-18 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 ink due to inadequate customer service and unfair practices which violate the consumer financial protection act CFPA specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with air resolution requirements under the electronic fund transaction act EFTA and regulations 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am 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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 practice. Which violates 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Every bank Ive tried to open an checking account with keeps declining me even banks Ive never been with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express charged off my credit card ( account number XXXX ) in the amount of {$1700.00}, but never provided the 1099C. In addition, American Express already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
Incorrect information is being shown on my credit report about a repo. I requested a letter and it has not been given.

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 2025-01-18 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.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 2025-01-18 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Reporting inaccurate information and late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
XXXX XXXX, a company that I have not been knowingly or willingly affiliated with, has purchased my private information from two separate companies, to my knowledge. The separation of those 2 companies may be debatable as their accounting appears strikingly similar. Please review both correspondences from XXXXXXXX XXXX XXXX  and Prosper Card. 

XXXX XXXX has infringed on my right to privacy in combination with the above names companies. 

In response to XXXX XXXX : I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt ; this is, the actual accounting.

2. Verification of your claim against me ; that is, a signed invoice ( not a statement ) 3. A copy of the Contract binding both parties ( you and I ), in a letter by certified mail so that there is an independent witness to it having been delivered. 

A lawful binding contract consist of : 1. Full disclosure 2. Equal consideration 3. Lawful terms and conditions 4. The wet ink signature of both parties.

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