vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
According to the law, a description of the investigation process must be made available to me describing how this investigation process went. What procedures and methods you took should also be explained. May I ask what procedures did your company follow? What information did you use as a determining factor in the results of your investigation to conclude that the information was verified and accurate? Did you use the information that I provided to you in your decision making? When doing an investigation each account that is being disputed must be investigated using the procedures from 15 USC 1681 ( a ( ) e ). Can you provide me proof showing that you followed these compliance procedures pursuant 15 USC 1681 ( a ) ( e )?

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Experian did not do a proper investigation on the following disputed items on my consumer report. I have request the reinvestigation procedures numerous of times and they have ignored my request each and every time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: IN

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 ( CFFPA ). 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 Electrical Fund Tranfer 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 2025-01-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
i am a victim of XXXX XXXX XXXXXXXX and i have uploaded supporting documents to support my cliam on XXXX XXXX

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i am a victim of XXXX XXXX XXXX and i have uploaded supporting documents to support my cliam on 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 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: CL Holdings LLC
State: NV

Complaint narrative:
Jefferson Capital Systems LLc XXXX XXXX XXXX XXXX XXXX, MN XXXX REF # XXXX NOTICE TO, CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA AND SOCIAL SECURITY FRAUD CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA This constitutes as first written communication for the record, and this is not a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY under the FDCPA for false and misleading representation 15 USC 1692e ( 10 ). Jefferson Capital are indeed third party debt collectors under the very definition of a third party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ), and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid you would not be sending me a collection letter assuming the debt was valid now would you?. Pursuant to 15 USC 1692c ( C ), Jefferson Capital is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gave no value to any security and have no attachment and enforceability of a secured interest in accordance with XXXX XXXX XXXX ( b ) ; Jefferson Capital have no original contract or promissory note ; you are no contract assignee holders in due course in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. Jefferson Capital, you DO NOT have my CONSENT to use my social security number for commercial gain acting as XXXX of my services, you are committing fraud and Identity theft and I will contact the office of Inspector General XXXX and file a report with the federal authorities. I demand you provide the following documents immediately if you continue to use the fiction name for your entitys personal commercial gain then ; Send a copy of your Commercial Bond and Oaths to do business in the State of Georgia ; provide name and address and phone number of the Underwriter of your bond ; provide name, address, and phone numbers of the owner ( s ) of Jefferson Capital ; Provide name, address and phone number of your insurance company

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: OK

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 procer 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: IL

Complaint narrative:
XX/XX/year> Scammed on app for {$350.00}. Immediately I reported the scam and tried to get my money back. Company said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Direct deposit did not go into my account and I called numerous times and spent more than 3 hours on hold and got no representation from the company Capital One about this issue then they just lie online and say it will be a couple of hours that was 24 hours ago very poor info from them

Company response to consumer: Closed with non-monetary relief
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: MA

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent inquiries on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ] and [ XX/XX/XXXX ], Complaint # XXXX, and XXXX. I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, and government-issued ID. Despite this, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources, method, or evidence of verification, violating 611 's requirement for reasonable reinvestigation and transparency. I am attaching the results from my last dispute, which fail to show proof of the method of verification as required under the FCRA. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which affirm consumers ' rights to accurate reporting and proper investigation of disputes. Furthermore, Experian 's conduct is inconsistent with the CFPBs XXXX bulletin, which underscores the necessity of compliance with statutory obligations and consumer protection principles. This pattern of negligence and non-compliance demonstrates Experian 's disregard for its legal responsibilities. I demand that Experian immediately provide the method of verification used in their investigation and remove the fraudulent inquiries from my credit report within four days of receipt of this complaint.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports show inaccurate information and its effecting my score ratings, also I see accounts on my credit that I didnt authorize. My Identity was stolen, passport and bags was stolen in XXXX XXXX and I reported the robbery to the XXXX XXXX police department.

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: 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I recieved a letter on XX/XX/XXXX stating that Im eligible for public service loan forgiveness and my loans would be discharged in 30 days. To date, federal student aid has not even sent discharge instructions to Mohela. Its been over 100 days. Everytime I call they give me different information. The first time I called, they said my discharge was on that date and to expect a letter that day ( XX/XX/XXXX ). Nothing happened. I called again a week ago ( XX/XX/XXXX ) and the rep told me the previous rep was wrong and to just be patient. My loans have not even started to be forgiven over 100 days later!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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, 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 2025-01-16 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:
Contacted cashapp in reference to two different transactions that was processed without my consent on XXXX in XXXX in bitcoins and another for XXXX sent to an unknown person by the names of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which cashapp notified me via email on XXXX and was told that due to cryptocurrencies it is against the law to convert back to USD AND PROVIDE ME MY XXXX dollars in refund this had caused a XXXX  XXXX as my finances were impacted by this transaction and they refused to assist

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I saw a long-time friend on XXXX posting to sell some things. I reached out to them via XXXX  and double checked that it was not a " new '' friend and made sure I was talking to this person on this account that I was familiar with. I was aware of scams of people adding new friends that appeared to be someone you knew, but I did not know that people could actually get into an old friend 's account and act as them. They wanted a deposit to hold the item ( a truck ) which didn't seem weird as they were high quality items that would sell quickly. They gave me the Zelle name, stating it was the family account as this was said to be being sold because the dad was sick and going into long-term care and they needed the money, I thought the name they gave me was the wife of the dad who was sick. They even gave me the address to meet them at in our city which was legitimate. I then sent the {$500.00} through Zelle through my banking app, XXXX. Then I received a weird text saying that the funds were refunded by the recipient due to " Limit copyright XXXX Early Warning Services LLC ). I reached back out to my " friend '' and he then stated something about how he needed to switch accounts to the Savings account and to re-try but only send {$490.00} so the funds wouldn't be rejected from a duplication. This is when things started to seem extremely strange to me. I immediately called my bank who confirmed that this must be a scam. I asked them to immediately stop payment since this had just happened minutes ago. They stated that all transactions were final and that they could not do that. They did say they would put in a fraud claim for me, but that it was unlikely that I would have the money returned. This is crazy to me considering anytime you send money there's usually a wait period of at least a little while before someone could actually pull the funds, so I don't understand why they don't have protections in place to avoid these circumstances. I can not imagine I'm the only person who falls for this. I reached out to XXXX to report the scam immediately and received a notification that everything appeared legitimate. I tried to report it again to see if they would allow me to type in a description, but they only had pre-determined checkboxes. I said something to the fake friend in the message when he asked if I had re-sent the money, and they must have blocked me so now I can not even retrieve the conversation that transpired. I did finally reach my friend who said that this has been a huge problem, and I was not the only person this happened to.

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: SC

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. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platforms, 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 fraud transfer act 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WY

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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Early Warning Services, LLC
State: GA

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. 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 2025-01-16 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 did not authorize these hard inquiries on my credit file neither do I have knowledge of them they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief