vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app has screwed me over thousands of dollars on unauthorized charges and I was left to fit the bill on something I didnt use. Their customer service support is not professional or helpful.

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: GA

Complaint narrative:
Im filling a complaint against cash app I have requested to stop payment on frauds account they never responded or refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Account charged off by original creditor. Creditor failed to provide IRS Form 1099C. Remove info from credit report.

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: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I went on XXXX to book a hotel stay for XX/XX/XXXX through XX/XX/XXXX The charge was pending for {$59.00}. when I went to the hotel to the front desk staff they stated they never received the booking confirmation the transaction was still pending so I requested for it to be canceled the hotel staff stated they would cancel it. I did not have time to wait so I went on to booking.com and made a reservation for XX/XX/XXXX through the XXXX. I contacted PayPal because that's the card that it was still pending on and advise them that I never stayed there and that payment should be refunded PayPal stated that the transaction never went through and it was voided. Then they charged me the next day or XXXX days later for {$59.00}. when I contacted PayPal back and told them that that transaction was voided and I spoke with someone there and they refunded the money why is it being taken again they stated they had to open a case for review. I still have not received my funds and the case is still being reviewed. I'm not sure how long that should take because that was on the XXXXXXXX XXXX XXXX it is now XXXXXXXX XXXX XXXXXXXX. Also when they took the money back it put my account in the negative {$39.00} so I had to put money back on there to go positive I want that refunded as well

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I had an account with Cash App. They closed my account and stated that it was closed due to violation of Cash App policy

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: TX

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 fail to take action timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, 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 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: CA

Complaint narrative:
I am writing to formally report that I have fallen victim to identity theft as a result of the Equifax data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of any fraudulent items appearing on my credit report. 

As a victim of this breach, my personal information was compromised and subsequently used without my authorization. I demand that any accounts, inquiries, or transactions that are not legitimately mine be permanently deleted from my credit file without delay. 

Please confirm in writing once these fraudulent items have been removed, and provide me with an updated copy of my credit report. Additionally, I request that my file be blocked from further fraudulent activity, as outlined by federal law. 

Thank you for your prompt attention to this matter.

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: 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: NJ

Complaint narrative:
Experian has failed to fulfill is legal Obligation Under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information On my credit report leaving in accurate or Unverifiable accounts unresolved. The Consumer financial protection, Bureau ( CRPB ) has recently filed a lawsuit Against Experian Alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian 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 dispute 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report starting with personal information EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unfortunately, I have noticed some an accurate entries of information found on my consumer report starting with personal information EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.

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 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: MO

Complaint narrative:
XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Method of Verification for Verified Accounts Dear Experian, I am writing to request the method of verification for certain accounts and inquiries that were recently disputed on my credit report. I appreciate your prompt attention in completing the investigation, and I now ask for detailed information regarding how these accounts and inquiries were verified as accurate. 
The accounts and inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide the following information : 1. The name, address, and contact information of the entity or individual that verified the account.

2. A detailed description of the investigation process undertaken by your bureau to verify the information.

3. Copies of any documentation or evidence obtained during the verification process.

I expect your response within the time frame outlined by the FCRA. Failure to provide this information may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action to ensure compliance with federal regulations.

Thank you for your immediate attention to this matter. Please send your response to the address listed above or via email. If you require additional information from me to fulfill this request, please contact me directly.

I sent this letter certified and it was received. Experian Failed to provide the Method of Verification ( MOV ) for 11 separate accounts, as required under 1681i ( a ) ( 7 ). According to the case filed in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California under docket number 8:25-cv-00024, Experian has a history of conducting inadequate investigations into consumer disputes, failing to delete inaccurate or unverified information, and not providing adequate notice to consumers about the results of their disputes

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I sent certified mails on XX/XX/XXXX and XX/XX/XXXX to National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX. The amount is XXXX. It has shown it was delivered but they never responded back. It states this letter is being sent to you in response to a recent letter. 
This is not a refusal to pay, but a notice that the claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XXXX, I disputed six ( 6 ) charges on my USAA credit card to a dating website because they ( the dating website ) disabled my account AFTER I had made multiple payments ( 6 ) to their subscription services. In response to my supporting documentation for my claim ( s ), my credit card ( USAA ) gave me a credit for the most recent charge ( {$60.00} ), yet asked me for further documentation to explain the nature of the service (?! ) That I found odd given that all six disputes were filed under the same condition. Nonetheless, I sent USAA additional documentation that, in essence, over-explained the nature of the subscription service. 

On XXXX, I received separate notices for each of the XXXX remaining disputes from USAA stating that they deemed those other charges legitimate. Each notice provided a XXXX XXXX XXXX a call to XXXX to reach USAA 's " Re-assert '' department in XXXX XXXX, TX, if I wanted to challenge their decision. Naturally, I wanted to. But I needed to directly query somebody in their " '' Re-assert '' department so that he or she could specifically explain to me what was required as explanation to satisfy what their request for the second round of documentation asked for. Again, it was clearly to me that I over-explained what the basic nature of that service was. And this is where the problem lies USAA refuses to provide proper customer support via their Re-assert department. They provide no direct phone contact. Each time I have frustratingly called XXXX since XXXX I have gotten nowhere. That number is only the main number for USAA. When called, they can provide no transfer to the Re-assert department. They can only leave notes in my account, and say someone will call me WITHOUT EVER GIVING A SPECIFIC DATE OR TIME WHEN. And each time USAA does decided to call me, the representative only leaves his or her name in a message WITH NO CALL-BACK EXTENSION. I am hence forced to continue the same loop of nonsense by starting back at their main number. USAA deliberately makes their Re-assert department unavailable by phone, and all this time I am going months without the ability to remove interest accruing charges from my account. I tired of USAA putting forth the lie that they are customer-service oriented in this manner.

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 — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I sent a cash app payment in the amount of {$140.00} to an alleged company for some shoes they advertised on XXXX. This turned out to be a scam. I have XXXX messages proving this. There was no one I could contact on cash app. I did do some form of a report on cash app where I reported it as a scam but I needed to speak with someone but that wasnt an option. All cash app did was write back saying were truly sorry, but we were unable to recover your money. However, your report will help to prevent future scams. Thank you. I went through my bank and they said they did an investigation but I still did not get my money back. Cash app should have taken care of this in my opinion.

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: IL

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 i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ) After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

debt. According to the 15 USC code 1681 a ( w ) The CFPB is the only true credit bureau Dodd-Frank Wall street reform and Consumer protection Act. 12 USC 5301

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