vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 USC 1692 ), I am requesting validation of this debt.

Please provide complete information on the original creditor, original account number, the date this account was opened, the date of the last payment, the amount of the original debt, and an itemized statement showing the amount of the debt and any additional fees or charges.

If you are reporting this account to any credit reporting agency, under the Fair Credit Reporting Act ( 15 USC 1681b ), you must provide verification of this debt to those agencies upon request.

At this time I dispute the validity of this debt under 15 USC 1692. Please verify this debt in writing and provide all information requested above within 30 days. 
If validation is not provided, I will expect this item to be removed from my credit reports and further collection activity to cease. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp doesnt provide a live customer service agent to assist with issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) - According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
I want reported accounts removed. 
I made several disputes on 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 2025-02-02 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: GA

Complaint narrative:
I want reported accounts removed. 
I made several disputes on 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 2025-02-02 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: AR

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX is the two companies that on my report that I asked Equifax several times to delete because the information is incorrect. Several time they said the information was correct. So I asked them the process and information use to validate the debt because I know the debts dont belong to me. I have yet had the problem resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/year>2024, I was contacted by Amex about a security breach on my account. Amex told me that they would be closing that account and issuing me a new card. I received the new card, which had a new account number. 

Meanwhile, my partner, whose annual fees were paid in XX/XX/year>2024 along with my own, never received a new card for the new account. As he does not use the physical card often, he did not realize this until three months later. I called Amex and requested a replacement card for my partner for the new account. My partner did receive a new card, which we assumed for for the new account. 

Only this week, while doing an annual review of our accounts, did we spot an second charge of {$190.00} for my partner 's Amex card. While trying to get credit for this superfluous charge, I have discovered that Amex never closed the account that was subject to a security breach. While I received a replacement card for a new account number, my partner was reissued a card for a supposedly closed account. 

Amex failed to close an account that they said was subject to a security breach. But they went ahead and created a new account number and issued me a replacement card with that number for no charge. Meanwhile, my partner has been charged twice the amount of {$190.00} for an breached account. 

I have been trying for nearly two hours to get Amex to issue me credit for the overcharge. But more importantly, this failure by Amex to fully address the security issue from a year ago shows egregious behavior on their count.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: WI

Complaint narrative:
I asked all three bureaus to investigate XXXX XXXX XXXX  they did not if they had they would have seen the account is not mine and they have a past due balance on there it should not they saying the account was opened in XX/XX/year>2025 it was not they have different names on my credit report my name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WISCONSIN XXXX I dont live at XXXX XXXX XXXX I cant receive mail there from the post office and I have all these inquiries on there they dont have my signature for either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash app due to inadequate customer service and unfair practices, which violate the 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 EFTA and regulation E. These actions have caused significant inconvenient and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX did not reach out to me before sharing my information with credit reporting agencies. Breaking law 15 USC 1681s-3 companies must clearly and conspicuously disclose that they are trying to share information. Consumers must be given the opportunity and a simple method to prohibit the sharing of their information.

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 2025-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX account closed. 
XXXX  XXXX XXXX  - XXXX closed XXXX XXXX XXXX. Account closed XXXX XXXX closed XXXX XXXX closed XXXX XXXX closed XXXX XXXX closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
The company randomly stopped me from using my account and I received a negative balance when I contacted them over 10 times they all told me the same thing i experienced such an awful experience and no response or help on this I will be getting my lawyer involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been going back-and-forth for quite some time with this company. They put {$1600.00} worth of charges on my credit report when I only owe {$110.00}. I would like this properly investigated and stop being dismissed by the company. Back in 2022 I lived in apartment complex when I moved out I returned the keys that Property Manager provided me with the final statement. She stated that my last charges on my account was {$110.00}. I began to protest against this writing letters to the Attorney General and everything in retaliation. They put a {$1600.00} charge on my account. I have been disputing this for months and it seems like no one is getting it. I sent the same issues to XXXX XXXX and they reviewed it and removed it from my credit report because this company does not have any leg to stand on. I dont see how it is OK for people to just put stuff on your credit and the credit bureau say yes thats correct. No this is incorrect so I would like this properly investigated as you can see the final ledger says {$110.00}. The XXXX XXXX emails stated that they only owe that and now I get a {$1600.00} bill left on my credit out of nowhere please review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
Notice of data breach XX/XX/XXXX company XXXX. ARVEST BANK XX/XX/XXXX FRAUDULENT ACCOUNT IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTIFY THEFT STILL GETTING CREDIT DINGS FOR STUFF I'VE NOT APPLY FOR CALLED AND SEND INFORMATION TO XXXX TRYED TO EVEN FREEZE MY CREDIT DATA BREACH CHANGE XXXX XXXX XXXX CYBERCRIME DOING THE TIME OF XXXX XXXX SO I GOT A COPY OF MY CREDIT REPORT ALL THE ADDRESSES ARE INCORRECT EXCEPT FOR ONE fraudulent account XXXX XXXX XXXXXXXX on my credit report twice a company called XXXXXXXX XXXX  date XXXXXXXX XXXX  date XX/XX/XXXX made multiple attempts to reach out to company and call XXXX to get a credit report and to talk about charges to my credit that I have not applied for nor knowing about or authorized I did speak with XXXX about an account that was unauthorized they were supposed to remove it they sent me a lot of state and they removed it but it's still showing on my credit and I haven't heard anything since and I still get things on my credit as I monitor it as of today and I have not applied for anything

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 2025-02-02 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: OH

Complaint narrative:
They did not do a full research. They settled my dispute within 20 minutes.

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 2025-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I had a Huntington Bank account with a negative balance go into collections in XXXX after serious health issues. I had since made a new account with them. On XX/XX/XXXX I had a {$500.00} withdraw come out of my Savings account and a {$290.00} withdraw come out of my checking acct. When I called the bank to ask how {$790.00} was pulled out of my account they gave me a phone number to call that could explain it all. So I called that number, and they told me they got my debt back from a collections agency and took my money. I had no heads up, they didnt reach out to set up a payment arrangement. They just took money without my authorization. It has put me in serious financial hardship as I was going to make my mortgage that same day and have not been able to catch up as my husband was injured at work the week before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXXXXXX XXXX student loans were put in my bankruptcy that has been removed off my credit report for loans that I couldnt pay many years ago. Between XXXX This company kept renewing the amount until now its out of control. The amounts are so high now from interest. The presiding judge at that time when I filled bankruptcy asked did I want the private student loans in the bankruptcy I said yes. 
Here is the current information that I kept receiving from Navient Solutions - NPCO off Bureau Debt description : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This information should have been in my bankruptcy many years ago Here are the XXXX XXXX numbers for the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/year> proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer. I would like these account to be blocked and deleted XXXXXXXX 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 2025-02-02 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer 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 and 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 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app doesnt provide a live customer service agent for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX I paid my credit card bill with capital one. I paid one bill for {$520.00} and another one for {$300.00}. 
I had {$5800.00} in my account that the bill is being paid out of. Capital one sent a message saying they are going to hold the funds until Monday XX/XX/XXXX. Ok thats not a big deal. Comes Saturday I open my account XXXX XXXX I open my account and I see that capital one closed all my accounts. I check my XXXX XXXX account to see if the payment successfully went through to capital one and yes the payment posted. I called capital one and explain the situation and I was asking why my account closed. Capital one stated they may suspect fraud on my account. I ask how if I used the same card and the same bank account to pay my credit card bill and why no one contacted me to see if Im using my card. He stated its the company policy. I explain it is not fair that I paid my bill and the bill successfully got posted and paid and you guys closed my account. I ask can I reopen my account they said no they can not. I express that this is inconvenient for me the consumer to pay a bill and still get my card closed on me. And that this can damage my credit report and possibly hurt me in my future of the credit system.

Company response to consumer: Closed with explanation