vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
This morning, I discovered some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I found unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the incorrect accounts remained. Given this issue, I kindly request a thorough review of the documents Ive provided to ensure I wont have to deal with this problem again.

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: FL

Complaint narrative:
Against Cash App ( Block , Inc. ) I am filing a complaint for poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ) complaint against Cash App. In particular, my account was vulnerable and unprotected because Cash App did not take the necessary and timely measures to prevent and deal with fraud on its platform. Their dispute resolution process was unfair and deceptive, as they did not follow the error resolution requirements of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me a lot of inconvenience and financial loss and I seek these violations to be rectified accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : 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 non-monetary relief
Consumer complaint received 2025-01-21 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This debt XXXX  engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts remain on my TransUnion credit report despite my original dispute submission on XX/XX/XXXX, and a follow-up submission on XX/XX/XXXX. 

I submitted all legally required documentation, including : FTC Identity Theft Report Government-issued ID Proof of Address Despite this, TransUnion has failed to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Additionally, these fraudulent closed accounts remain : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], credit reporting agencies are required to block and remove fraudulent information from a consumers credit file within four ( 4 ) business days of receiving proper documentation. TransUnions failure to comply with this mandate is a direct violation of federal law and has caused me significant harm. 

I have never authorized or benefited from these accounts, which were opened using my stolen identity. Their continued presence on my credit report is not only inaccurate but also unjust, causing ongoing financial hardship and emotional distress as I am unable to move forward with important financial decisions. The prolonged inaction exacerbates the damage to my creditworthiness and personal well-being.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
XXXX  credit breach and exposed my information. Companies never fall off and incorrect information.

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: WI

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 ( EETA ) 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
As a consumer reporting agency, Equifax is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not fully followed in my case. Additionally, I believe the following legal obligations have been violated : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) As a result, I respectfully request that you review the following items and, if applicable, remove them from my credit report, as they do not meet the requirements for accuracy and completeness under the FCRA : XXXX XXXX XXXX # XXXX - Verify this account. 
XXXX XXXX XXXXXXXX XXXX  # XXXX - Verify this account. 
XXXX XXXX # XXXX Verify this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant 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 the lost funds was impossible and that tracking these transaction was in feasible. The CFPBs findings indicate Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving there user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about our consumer safety

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: 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 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 violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX contacted credit one regarding fraudulent activities on quick silver XXXX to get status but on XX/XX/XXXX I was informed that company closed my accounts. I use to have a XXXX capital one card but they switched to quick silver without notification and thats when I started having fraudulent activities for several months which I brought to their attention after using all the resources and features the company started to use to protect credit cards. When reporting to them regarding fraudulent activities they would say no problem you are covered keep asking how is my card being open when I locked the card they never gave response. Several times we spoke about visual cards informed them I never use visual cards since opening account I requested that this feature be deactivated per representative and supervisor my request was granted they even gave me a case number XXXX to use if it happened again well it happened again spoke with fraud supervisor who stated lets stop on line access ok on XX/XX/XXXX fraud supervisor stated they closed my accounts due to many fraud cases asked her to send documentation regarding investigation because I used all features available and their recommendation because I havent made any purchases since XX/XX/year> and it appears that supervisor and representative of capital one lying and misleading me this has caused me so much XXXX stress because I did everything right they couldnt tell me how cards got unlocked just canceling cards and issuing new ones in 3 days cards were issued 4 times I was paying my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XX/XX/year> I sent a certified letter to LVNV Funding LLC, for debt validation. In the letter I asked all future correspondence be done in writing. On XX/XX/year> I started receiving emails from XXXX XXXX services on the behalf of LVNV Funding LLC, trying to collect the debt they are saying I owe. I have not received anything in writing validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date.

2 CONSUMER ADJUSTMENT CO # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PAYPAL HAS STOLEN {$3100.00} FROM ME AND REFUSES TO RETURN MY MONEY TO ME. PAYPAL CLAIMS IN THEIR USER AGREEMENT THAT THEY ARE NOT RESPONSIBLE FOR LOSING YOUR MONEY. BEWARE OF THIS DECEITFUL COMPANY. THEY WILL STEAL YOUR MONEY. IM HIRING AN ATTORNEY AND PLAN ON GETING THE WORD OUT ON THIS TERRIBLE BUSINESS PRACTICES. 

PayPal credited money back to my card ending XXXX with XXXX XXXX bank there were XXXX transactions that were credited back to my account that had been closed a month prior. XXXX XXXX reject the fund and returned the money to PayPal and the money shouldve end up in my PayPal balance. XXXX XXXX rejected the following payments and they were returned to PayPal XX/XX/year> {$140.00} XX/XX/year> {$580.00} XX/XX/year> {$1600.00} XX/XX/XXXX {$820.00}. Its been over XXXX months and I havent received the money in my PayPal. PayPal says that they have never received the funds back. Its {$3100.00} total that I am missing. Ive spoke to Paypal multiple times. XXXX XXXX has done additional checks on their end to investigate, and they have assured me that the funds were refunded to PayPal. PayPal is holding {$3100.00} of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I was scammed out of {$200.00} while using XXXX The scam occurred during a transaction with a person who deceived me into sending the money under false pretenses. Once the money was sent, the person disappeared or failed to provide the promised service/product.I attempted to contact XXXX customer service to address this issue, but I was informed that XXXX does not reverse transactions, even in cases of fraud. This response is frustrating because it leaves me without options to recover my money.

Company response to consumer: Closed with explanation