vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
I hereby dispute this debt and request validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request : The assignment contract, including : The name and address of the original creditor.

A detailed accounting of the alleged debt, including the principal, interest, fees, and any other charges.

Proof that I am legally obligated to pay this debt. 
Documentation of the assignment or transfer of the debt : A copy of the contract or agreement showing that the debt was assigned or sold to your company. 
Evidence of your authority to collect on this debt, including proof of the chain of custody from the original creditor to your company. 
Verification of the statute of limitations : Information confirming whether the alleged debt is within the legal statute of limitations for collection in my state.

Please note that pursuant to the FDCPA, you must cease all collection activities until you provide the requested information to verify the validity of the debt. Failure to comply with this requirement will be considered a violation of the FDCPA, and I will explore all available remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general. 

This letter serves as formal notice that I request all future communication regarding this matter to be in writing only. Additionally, please ensure compliance with all applicable federal and state laws in handling this matter. 

Thank you for your attention to this matter. I look forward to your prompt response within the legally required timeframe.

Company response to consumer: Closed with explanation
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: Block, Inc.
State: MO

Complaint narrative:
I am publishing 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 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 2025-01-20 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: I.C. System, Inc.
State: NY

Complaint narrative:
I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account IC System, INC / XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death 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 2025-01-20 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: MI

Complaint narrative:
I had sent over a cfpb dispute with a fraud affidavit in XXXX. According to the to the credit reporting laws especially section 609. They were supposed to delete all fraudulent accounts and info on my credit report within 4 days. I have a certified return receipt and they are violating the laws and my rights. The bankruptcy is not being investigated. I know because I went to the listed court. They are not reporting this fraudulent information. There are student loans listed where Ive never applied for such loans. Theres multiple accounts that I didnt initiate and its all listed in the CFPB identity theft affidavit. They are not honoring it. They are in clear violation of the law and I want to be a part of the lawsuit against them. Delete information immediately!!!

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 2025-01-20 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: MI

Complaint narrative:
I had sent over a cfpb dispute with a fraud affidavit in XXXX. According to the to the credit reporting laws especially section 609. They were supposed to delete all fraudulent accounts and info on my credit report within 4 days. I have a certified return receipt and they are violating the laws and my rights. The bankruptcy is not being investigated. I know because I went to the listed court. They are not reporting this fraudulent information. There are student loans listed where Ive never applied for such loans. Theres multiple accounts that I didnt initiate and its all listed in the CFPB identity theft affidavit. They are not honoring it. They are in clear violation of the law and I want to be a part of the lawsuit against them. Delete information immediately!!!

Company response to consumer: Closed with explanation
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: Block, Inc.
State: LA

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 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. 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 2025-01-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Equifax Dispute Resolution Department, I am writing to formally dispute the improper handling and investigation of errors on my credit report. Despite previously notifying you of inaccuracies, I have reason to believe that the investigation conducted by your organization was inadequate and did not comply with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  XXXX Under the FCRA, I am entitled to an accurate credit report and a thorough investigation of disputes submitted to your agency. However, based on the following, I believe my dispute was not adequately investigated : 1. Your response lacked detailed findings or explanations regarding the accuracy of the reported information.

I request that Equifax conduct a proper investigation into this matter and promptly correct the inaccuracies in my credit report. If your investigation determines the information to be verified as accurate, please provide me with detailed documentation and the method of verification used.

Please acknowledge receipt of this letter and respond to my dispute within the 30-day period required by the FCRA. Failure to address this issue appropriately may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THROUGH XXXX DATA BREACH AND XXXX XXXX DATA BREACH ATTACHED IS A COPY OF MY IDENTITY THEFT REPORT WITH ALL FRAUDULENT INQUIRIES AND ACCOUNTS LISTED FRAUDULENT EXPERIAN ACCOUNTS AND INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX {$960.00} Account # XXXX Fraudulent Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Was a victim of an online transaction scam where I voluntarily transferred XXXX USD to a foreign account for a hotel booking. I received the instructions to transfer the money on a website that was put up for this purpose I think. I am still able to see the listing on the website now ( XXXX XXXX XXXX  ), bt the instructions to send a message to a XXXX XXXX doesn't exist anymore. I contacted the XXXX XXXX and agreed to transfer the money. The person said I will get an email from XXXX with the instructions. The mail address was odd - bt didn't realize it then ( XXXX  XXXX ). The link gave instructions on where the money transfer has to be done. 

Realized after nearly XXXX hours that I have been tricked when the old links in the email didn't work. Since it was a holiday yesterday and today ( XX/XX/XXXX ) the transfer is still pending. Reached out to the bank for assistance and reached the Customer Support. Was told only the Wire Transfer team can help and they aren't working today. Was told to reach them first thing in the morning.

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 2025-01-20 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: TX

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX  data breach. Reviewing my credit reports, I noticed. I have submitted a FTC complaint reporting the info I am not familiar with. 

Please find attached copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter.

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 2025-01-20 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: DE

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 electric fund transfer act ( efta ) and regulation e. these actions caused it significant inconvenience and financial loss and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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: 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 make timely and effective measures to prevent and 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. 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 2025-01-20 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: TX

Complaint narrative:
Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed my that recovering lost funds was impossible and that tracking these transactions was unfeasibl. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
XX/XX/year> I received a email from PayPal stating my account was negative XXXX. I contacted them immediately. They told me that I had a few open disputes against me. My ex fiancee had sent me money the pay towards my XXXX XXXX credit card account that he was on that he had used. He disputed the charges with his bank saying they were fraud. I opened up and investigation with PayPal and sent them copies on the credit card accounts that had his name in them. And screenshots of the text between me and my ex with him saying he willingly sent me the money and that he did not dispute it with his bank. It took them 5 months to rule I was at fault and I had to pay them the XXXX back. If I didn't the threatened to send it to collections. I was paying what I could and that wasn't good enough. They did end up sending it to collections. I have been paying the collections so they won't report it to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NY

Complaint narrative:
EXPERIAN failed to comply with the FCRA by reinserting fraudulent Information from XXXX XXXX  on my credit report that was removed, and should have been blocked, after I filed an identity theft report with the FTC. I provided EXPERIAN with copies of all documents still the fraudulent XXXX XXXX  account has reappeared on my credit report. Because of the fraudulent account being reported I was denied access to credit

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