vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
In the year XXXX, Cash App closed my account due to violating the Terms of my Customer Account Agreement but no explanation of where in the agreement I violated. Cash App given me the run around for months until I received an email on XX/XX/XXXX as I have a copy of the agreement and the email. They were not helpful and closed all my accounts down. I waited about every XXXX  months to make up a new one and it is still the same reason why I can not open a new one. I never violated the customer agreement at all. I requested assistance for them to go into detail and they never responded back until I received this email. I always had to contact online support. There is no XXXX number to call, and this is highly bad for business if someone wants to call to get more information or anything that applies to the requirement for customers rather speak to a live person than just a chatbot or chat advocate when you dont know if there is a live person on the other side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
( 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 47 have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Experian using my 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Disputed debt with XXXX, XXXX and XXXX. They will not remove or verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Request to Cease Communication and Removal of Account Due to Data Breach under 15 USC 1692c ( XXXX ) Dear Sir or Madam, I am writing to formally request that all communications from XXXX XXXX XXXX XXXX regarding the debt referenced below cease immediately, and that this account be removed from collections, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Details of Debt : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Debt Amount : {$1200.00} The additional reason for this request is that I have recently been made aware of a data breach involving credit bureaus, which I believe has compromised my personal information. As a result of this breach, I am concerned that the information used to pursue this debt may have been obtained through fraudulent means or mishandled in violation of my privacy rights. 

In light of this breach, I am requesting that the debt be removed from collections and that no further action be taken regarding this account until this issue is fully resolved. Under the provisions of 15 USC 1692c ( c ), I also request that you cease all further communications with me regarding this debt. This includes all phone calls, letters, and other forms of contact, except for any necessary legal notices or required actions. 

Please ensure that your records are updated accordingly and confirm that this request has been processed. If you need any additional information to proceed with this request, please feel free to contact me. 

Thank you for your immediate attention to this matter. I trust that you will comply with my request under the FDCPA and take appropriate action in response to the data breach. 


Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to request that Equifax takes immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my Equifax consumer credit report within XXXX business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within XXXX business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : 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 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 None of these accounts, collections, hard inquiries and addresses were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ) & ( # XXXX ). I expect that Equifax will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is totally unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABILITY RECOVERY SERVICES VIOLATED THE REQUEST I MADE FOR CERTAIN ITEMS TO BE GIVEN TO ME. I TOLD THE COMPANY WHAT NOT TO SEND AND TO CEASE ALL COMMUNICATION IMMEDIATELY IF THEY COULD NOT SEND ME WHAT I REQUESTED. THEY SENT OTHER INFORMATION ANYWAY, PLUS OTHER VERBAGE I REQUESTED NOT TO HAVE AND THEY BROKE THE CEASE ALL COMMUNICATION REQUEST.

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 2025-01-25 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: IA

Complaint narrative:
Equifax 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 Equifax, 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 Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding Experians handling of credit inquiries on my credit report. Specifically, I have noticed that a single inquiry from XXXX XXXX XXXX XXXX appears seven times on my report. This repeated listing has negatively impacted my credit score and does not accurately reflect my credit activity. 

I have contacted Experian to dispute these duplicate inquiries, but I have not received a satisfactory resolution. Given that Experian is currently involved in legal proceedings regarding similar issues, I am concerned that this matter is part of a broader pattern of inaccuracies and consumer rights violations. 

I am requesting that the CFPB investigate this issue and take the necessary steps to ensure Experian corrects my credit report by removing the duplicate XXXX XXXX inquiries. Accurate reporting is essential to maintaining the integrity of credit files and ensuring fair treatment for consumers like myself.

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 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield {$15000.00} XX/XX/year> multiples of these

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Removal of Account Dear Consumer Financial protection Bureau I am writing to formally dispute inaccurate information being reported on my credit report. After reviewing my credit reports from both Equifax and XXXX, I noticed a discrepancy regarding an account with XXXX XXXX. 


The account details differ between the reports : XXXX. Equifax states that the account was closed on XX/XX/XXXX, with a reported balance of {$9600.00}. 

XXXX. XXXX states that the account was closed on XX/XX/XXXX, with the same reported balance of {$9600.00}. 


This inconsistency is an error, as the dates and account statuses can not align. Additionally, given this discrepancy and the conflicting payment history, I am requesting that this account be fully removed from my credit report. The inaccurate information is negatively impacting my credit score and does not reflect the correct status of the account. 


To support my claim, I have attached the following : Screenshots of the account details as reported by XXXX and Equifax. 


Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate information. I respectfully request that your office investigate this matter, correct the error, and remove the account from my credit report. 


Please provide a written response confirming the results of your investigation. You can contact me at XXXX or your XXXX if further information or documentation is required. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This is chase bank. On the first one someone going to chase branches get my counter check on the counter, I dont know how they can do it!! Bank change me XXXX dollars in XXXX XX/XX/XXXX, and then this person writes to check XXXX XXXXXXXX write XXXX XXXX dollars on the check on XXXX after that on XXXX XX/XX/XXXX this person writes XXXX XXXX check for me and then return to his account, I didnt get it and then bank charge me XXXX XXXX back to his account. I didnt deposit this check! I dont know how he can do that. I call so many time to chase customer service, they always say wait for 2 more day but I keeping wait for almost 1 month still nobody helping me to complete this issue, go chase branch 2-3 time still not Still didn't solve this problem. I hope u guys can help me to resolve this issue pls. Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-25 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: MI

Complaint narrative:
I filed a dispute with account number XXXX with XXXX XXXX XXXX via FCRA usage on XX/XX/XXXX. While it was removed from my XXXX report on XX/XX/XXXX, Experian denied to follow up with the investigation and did not remove it and stated it was valid. Experian has not attempted to correct this or investigate it. This item had previously been removed when alleged over a year ago by a prior company. I am requesting the mark be removed immediately. I was notified that the CFPB has filed a lawsuit against Experian for violation such as mine please correct the derogatory mark asap.

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 2025-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I was a victim of fraud and identity theft in XX/XX/XXXX. I reported the fraudulent charges immediately, but Capital One denied my dispute without conducting a proper investigation. Now, they claim my case does not exist and have locked my account, preventing me from accessing my dispute records. This is financial negligence and a violation of my consumer rights. 
- {$1800.00} - I have called over XXXX times to be transferred repeatedly in an endless loop for the last XXXX years. 
- Created a new investigation in XX/XX/XXXX, with no case number and the investigation was denied without proper review. 
- Credit score went from XXXX to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Acct XXXX ally financial wrongfully reported this on my credit report.it was never a repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding inaccuracies on my report that continues to negatively impact my credit profile despite numerous efforts things remain unresolved. I am requesting immediately investigation and removal of these items as it is incorrect and does not reflect my true credit history. According to FCRA section 605b it is illegal to report anything on my report that is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
These accounts were opened against my knowledge. 

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 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 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 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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 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 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 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 non-monetary relief