vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally request that LVNV Funding LLC immediately cease all communication and collection activities regarding the alleged debt associated with me, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c ( c ) ).

This letter serves as notice that I dispute the validity of the alleged debt and demand that you stop all attempts to contact me, including but not limited to phone calls, letters, emails, or any other form of communication. Any further attempts to collect this alleged debt, including reporting inaccurate information to credit bureaus, may result in legal action.

Under the FDCPA, you are legally required to comply with this request. If LVNV Funding LLC believes this debt is valid, I request full verification of the alleged debt, including : 1. The original creditors name and proof of assignment to LVNV Funding LLC 2. A detailed account history, including all payments and charges.

3. A copy of any signed agreement or contract stating that I am responsible for this debt. 



If you fail to provide adequate verification and continue collection efforts, I will be forced to pursue legal action for violations of my rights under the FDCPA and any applicable state laws. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office if necessary. 



This letter serves as my formal request, and I expect written confirmation of your compliance within 30 days of receipt. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
There was XXXX $ I owe and XXXX $ on credit card debts was not me saying I owe

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: Early Warning Services, LLC
State: TX

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My information was in the data breach and I noticed that I had this fraudulent account on my account. XXXX delete this account from my credit report Equifax and TransUnion also Im looking for monetary damage of {$1000.00} from Equifax and TransUnion

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: 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 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 ( 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: 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 notice on all three credit bureaus that refuse to remove old charges off and collections account off my credit reports. It been over seven years the credit bureaus allowed these companies to keep reporting each month on my credit reports. Making hard for me to get a good job and to have a better credit score please look into the matter. 







Thank 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Dear CFPB Consumer Assistance, I am submitting this formal complaint regarding the wrongful closure of my business bank account with BMO ( formerly Bank of the West ). My account was closed improperly while under review for unauthorized debits totaling over {$1100.00}. 

On multiple occasions, I was reassured by BMO employees that my account would not be closed during this review. Due to this pending investigation, I refrained from making deposits, fearing that any funds added would be deducted before the issue was resolved. Despite my long-standing banking history with BMO, my account was closed for insufficient funds before the review was completed. 

I typically make weekly deposits ranging from {$2500.00} to {$3500.00}, and this account is critical to my business operations. The wrongful closure has caused significant financial disruption. Additionally, I was reported to XXXX for {$220.00}, further impacting my banking reputation. 

For over XXXX months, I have made numerous attempts to resolve this matter, contacting BMOs corporate offices via phone and email, yet I have received no response. I have also been waiting for a manager to return my call for over XXXX months. Given my XXXX years of banking history with BMO and its predecessor, Bank of the West XXXX I believe I should be treated as a valued customer and deserve a resolution. 

I request that the CFPB intervene and assist in reopening my business account, as it was wrongfully closed under misleading circumstances. The reference case number for this issue with BMO is XXXX. 

Please advise on the next steps and how this matter can be rectified. I appreciate your prompt attention to this issue, as it is vital to the continuity of my business operations.

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 — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX, XXXX and XXXX of 2021, I had an account with CashApp and my account was hacked on XXXX separate occasions, resulting in over {$2000.00} being stolen from me. 

When trying to contact customer service for CashApp, I was met with only " bots '' who would give me generic responses via email. There was no human being available to speak to, resulting in me having to reach out to the Local News as well as XXXX I was able to do an interview with the local channel XXXX News and tell them my story. 

CashApp was stealing money from their customers and it was an inside job...

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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Equifax Legal [ Address of Equifax Legal Department ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Legal, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported :

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

Complaint narrative:
No Right to contract, or right to credit for principal benefit

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) B, as highlighted in the CFPBs recent administrative proceeding ( File No.XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX  are reporting the account as charged off but also reporting a balance due. I have spent hours on the phone with them on numerous occasions to try and resolve the debt. They literally won't take my money. I have also disputed the incorrect information and they refuse to change it. Instead, within days of the dispute they add more negative comments to my report like overdue balance and over limit. My credit got destroyed during XXXX and this is the only account I haven't been able to resolve and it is preventing me from moving forward. To make it more confusing, there is no collection agency for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach 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

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: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
I am writing to formally dispute the inaccuracies on my credit report under 15 U.S. Code 1681o, which mandates the accuracy of the information reported by credit reporting agencies. I have identified multiple items on my credit report that are incorrect and are negatively impacting my credit score. Despite my prior attempts to resolve these matters directly, they remain unresolved. I request an immediate investigation and the removal of these incorrect items. 

The following accounts are inaccurately reported : 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 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 XXXXXXXX I have reviewed these entries carefully and believe them to be inaccurate and incomplete. Specifically, the information regarding the account type, open dates, and account numbers are incorrect, and they do not reflect my actual credit history. I respectfully request that these items be promptly removed from my credit report as they are causing harm to my financial reputation.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app did not aid me in retrieving my money back from a transaction that was done by a scam. The extra fees not disclosed in the agreement.

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: TN

Complaint narrative:
I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account exposed and unprotected. Additionally, its dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced 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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime closed my bank account without any prior notice, and when I reached out to them for an explanation, they were unwilling to disclose the reason for the closure. This lack of transparency has been incredibly frustrating, as I relied on that account for my daily transactions and financial management. Despite multiple attempts to get a clear answer, Chime 's customer service has remained unresponsive and vague, leaving me in a difficult position to manage my finances. The abrupt closure and lack of communication have caused significant inconvenience and stress, and I am now considering alternative banking options that offer better customer support and transparency.

Company response to consumer: Closed with explanation