vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: AL

Complaint narrative:
I made my utilities payment to XXXX  XXXX in XXXX payments using the app. Neither payment was received by XXXX  XXXX. The company returned XXXX payment but declined the second other payment stating that because I originated the payment of my own accord on my own device. 

The XXXX payments now addressed, but are not the only infraction, occurred on or about XX/XX/year>. 

This rationale is severely flawed and fraudulent as nearly all transactions on the app are made by customers of their own accord, using their own personal device. This fact does not absolve the company from unlawful disappearing of customer funds as here. This was and is NOT a first infraction. 

To add insult to injury, I nevertheless had to PHYSICALLY GO to XXXX XXXX payment center to REPAY the funds owed them even though I had made the payment transaction to them. 

Moreover, Cash App does not notify you when a payment failure has occurred whenever it just disappears so ones utility is always in danger of being cut off unbeknownst to self. Very stressful!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase has had multiple accounts in my name that I reported as fraud through proper channels. I was banned from opening an account with them even though I offered to come into branch to provide identification etc. I simply want to be able to bank with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am disputing the interest charged on the purchase made on XX/XX/XXXX from XXXX for {$1200.00}. This charge was for Tickets to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX game that was played on XX/XX/XXXX ( see attachment XXXX Statement ). 

This transaction qualifies for the XXXX XXXX XXXX XXXX promotion for 6-month interest free financing as it met the following criteria : Purchase was greater than {$250.00} Purchase was made at XXXX Purchase was for an XXXX Ticket Reference the following attachments XXXX Card Terms and Conditions and XXXX Email Confirmation of Ticket Purchase XXXX 

The first interest charge appeared on my XXXX Statement ( see attachment XXXX Statement ) which I received notice of via email on XXXX ( see attachment XXXX Email that Statement was Ready ). 

I first noticed the interest charge on XXXX and immediately called the credit card company at XXXX ( see attachment XXXX XXXX XXXX ) As of the date of my call, 49 days had elapsed. 

During the call, I spoke to a representative named XXXX. He indicated that he had seen this type of glitch happen before and he was going to request the purchase be recoded. He advised me that he would call me back mid-next week and advise me of the status and recommended waiting to file a written dispute ( as indicated in the Terms and Conditions ) until I heard back. XXXX provided me with claim # XXXX. Prior to XXXX calling me back with an update, I received a letter from Comenity acknowledging the claim and indicating they would provide me results within 90 days. Due to the acknowledgement letter, I did not submit a further written dispute. 
The Terms and Conditions for the XXXX XXXX state that I must contact the credit card company within 60 days of when the error first appeared on my statement. The charge of interest for a transaction that qualified for promotional financing on XX/XX/XXXX was when the error first appeared on my statement. 

I received a letter from Comenity denying my claim on XX/XX/XXXX that was dated XX/XX/XXXX ( see attachment XXXX Claim Denial Letter ). The letter provide 5 possible reasons for the denial of the claim, upon calling ( see attachment XXXX XXXX XXXX ) was told by a representative that the claim was denied for reason 5 It has been more than 70 days since the transaction first appeared on your billing statement. Note : This reason conflicts with the time provided to file a complaint in the terms and conditions mentioned above of 60 days of when the error first appeared on my statement. 

I submitted additional documentation to Comenity on XX/XX/XXXX to further support my dispute and additionally paid off the balance in full on XX/XX/XXXX including all accumulated interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am formally disputing the account listed as RESURGENT/LVNV FUNDING ( Account # XXXX ) on my credit report. This account was previously removed from my report but has now been reinserted without proper notice, violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

According to FCRA guidelines, if an account is reinserted after removal, I must be notified within five business days. Since I did not receive any such notice, this reinsertion is unlawful, and I request immediate deletion of this account from my credit report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) is currently suing LVNV Funding for deceptive debt collection practices. Given this legal action, the legitimacy of this debt is in question, and I request full validation. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), XXXX must verify this debt with the original creditor, not just rely on the debt collector 's reporting. 

I am requesting the following : Proof of Proper Reinsertion Notice If this debt was lawfully reinserted, provide documentation that I was notified within the required timeframe. 
Complete Validation of the Debt Provide the original creditors name, a detailed payment history, and proof that LVNV Funding legally owns this debt. 
Immediate Deletion If XXXX can not validate this account per FCRA requirements, I demand its immediate removal from my credit file. 
Failure to comply with these legal requirements will leave me no choice but to escalate this matter with the CFPB, FTC, and my state Attorney General for FCRA violations. Please resolve this dispute promptly and provide a written response within 30 days, as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I submitted a formal dispute with EXPERIAN, TRANSUNION, EQUIFAX via us mail accompanied with an ftc report and formal dispute letter. My credit report contains multiple inaccuracies that I have attempted to Rectify TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above listed accounts have DO NOT BELONG TO ME I HAVE DISOUTED THEM WITH DOCUMENTATION AND I DEMAND THEY BE DELETED AT ONCE!

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 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Atlantic Union Bank just wants to steal from people. I am being charged fees for excessive transfers from my savings account. I am aware that it is within the banks prerogative, however taking my money because of how I choose to manage it is sickening. I am barely getting by and they charged me {$110.00} in fees for transferring money from my savings to my checking. It is disgusting and predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with XXXX XXXX concerning accounts that have been charged off. XXXX XXXX has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from XXXX XXXX for these charged-off accounts. 

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes. 

XXXX XXXX XXXX failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting. 

If XXXXXXXX XXXX  does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty. 

I kindly request your assistance in directing XXXX XXXX to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This week a collections popped up on my report with XXXX. This collection ( XXXX XXXX XXXX ) does not belong to me I have no knowledge of this company. They will not provide proof that I have or had a contract with them so they need to delete this off my credit report immediately. 

This is breaking Law 15 CFR 1006.34 ( c ) ( 3 ) ( I )

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 2025-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I became unemployed in XXXX XXXX I continued to pay mortgage until XXXX. I informed Pennymac and they placed me on forbearance where I paid {$270.00} per month. I did this for XXXX to XXXX. My loan is a XXXX XXXX conventional loan. XXXX XXXX allows for 12 months unemployment forbearance. Pennymac denied me an extension on this forbearance and told me I had to apply for loan modification because I had rental income. I was accepted into loan modification but mortgage went from XXXX to XXXX. Also the loan went from 30 years to 40 years. I was able to make first payment of 3 month trial but I lost my rental income and couldn't make the XXXX payment. I again tried to get into unemployment forbearance but Pennymac refused. Now as of XX/XX/XXXX Pennymac put me into foreclosure. They explained they only allow 5 months of unemployment forbearance even though my mortgage is XXXX XXXX 12 months forbearance eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX was taken out of my account then again XXXX was taken from my account an there how bunch more transactions I did not make

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer financial Protection act ( CFPA ). Specifically, Cash App failed to timely and effective measures to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution processes 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 2025-02-01 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I disagree with account listed below which still appears on my credit report, even after your investigation. I would like this inmeditely re-investigate. The inaccurancies are highly injurious to my credit score. 

Equifax : XXXX XXXX XXXX- Account Number : XXXX TransUnion : XXXX XXXX XXXX- Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX XXXX  Citibank closed my bestbuy and XXXX credit cards and forfeited over {$9000.00} of cash rewards that I received for using such credit cards.

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 2025-02-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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