vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint a

gainst 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 2025-01-19 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: SC

Complaint narrative:
Several thing on my credit that does not belong to me at all Ive tried to dispute them but no luck

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 2025-01-19 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs refuse to reimburse me for services I paid that I did not receive. 
I paid for medical CT scans from a doctor with my XXXX Goldman  Sachs card on the premise that I was to receive copies for my records. I did not receive my scans from the doctor till XXXX later. I filled a dispute with Goldman Sachs for XXXX XXXX XXXX XXXX ordered. I have provided proof dated envelope sent from the doctor with a XXXX XXXX XXXX XXXX  the later than when I ordered the service. I have provided receipts from the doctors office showing my purchase. 
They continue to decline my dispute. This has been going on for over for XXXX  year already!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo charged off my credit card ( account number XXXX ) in the amount of {$XXXX}, but never provided the XXXX. In addition, Wells Fargo recently sued me for the entire amount. Wells Fargo already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming I owe the debt. This is fraud, and their attempt to sue me for this debt is fraud.

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 2025-01-18 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: IN

Complaint narrative:
I am submitting a complaint against Experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Experian has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2025-01-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-01-18 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: AZ

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. 
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 2025-01-19 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 failed to take timely and effective actions to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Thier 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address my concerns regarding the improper investigation procedures conducted by ( Equifax, XXXX, XXXX ) The methods employed have not been effective in helping me correct the ongoing issues on my credit record, which are significantly impacting my financial well-being. 

I have accounts from another state that are inaccurately reflected in my report, and despite my efforts to seek assistance, I have not received the help I need from the credit bureau. This lack of support and proper investigation is a clear violation of the XXXX XXXX XXXX. 

I urge Equifax to reevaluate its investigation processes and provide the necessary assistance to rectify these inaccuracies promptly. The current situation is causing undue stress and hardship, and it is imperative that these issues are resolved without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all XXXX  days to resolve this manner or else I will be forced to seek legal action and sue you all {$XXXX} per violation.

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 2025-01-18 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: FL

Complaint narrative:
I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all XXXX  days to resolve this manner or else I will be forced to seek legal action and sue you all {$XXXX} per violation.

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 2025-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
First time late fee charge of {$XXXX} on XXXX XXXX XXXX Credit Card issued by Comenity Capital Bank. When I called on XX/XX/year> to have it waived, the XXXX stated XXXX 's policy was they could only waive {$XXXX} in late fees every XXXX   months. I asked to speak with the XXXX. XXXX repeated that they could only offer a credit of {$XXXX}. After her repeated insistence I accepted but asked to see where this was written in the terms and conditions. When both the XXXX and I reviewed the credit card statement that included the late fee, language in direct contradiction to the verbal statements of both reps was found as follows. " IMPORTANT INFORMATION ABOUT LATE FEE CREDITS We may occasionally provide a credit for the amount, part or all, of a late fee charged to your account. If we do, we will charge a fee of up to {$XXXX} for any subsequent late payment. In addition, we may reverse the credit and repost the charge to your account if you fail to make the minimum payment due on or before the due date in the next billing period. '' I repeated that I wanted a credit for ALL of the late fee and the manager put me on hold. Upon returning to the call, she waived the entire late fee of {$XXXX}. This entire interaction took XXXX minutes by phone and was entirely unnecessary per the bank 's own language. I am complaining about XXXX issues. First, the late fee charged for the first time missing a payment is excessive at {$XXXX}. Second, when interacting with Comenity Capital Bank representatives via phone, they provided inaccurate and blatantly false information regarding the late fee terms and conditions written on the statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-18 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: IN

Complaint narrative:
XXXX & XXXX XXXX XXXX stated that when I pay off the balance they would connect the credit bureau to have the late payments removed or changed to current on my credit report. XXXX & XXXX also stated that they would send me a letter with that information because I informed them that I am buying a home, and the lender said I can't report any late payments within XXXX months. 

In XX/XX/XXXX, the balance was paid, and XXXX & XXXX sent a letter showing the payment in full. XXXX, the representative I was working with, communicated via email that he was contacting the loan company and the credit bureau to update my account and remove or change the XXXX reported late payments. 

In XX/XX/XXXX, I noticed that XXXX and XXXX changed the status to paid in full, and the late payments were current. Experian only updated the report to paid in full. I disputed the report and informed them of what the status should be and what was told to me by the collection company. I contacted XXXX XXXX Bank about the issue in XX/XX/XXXX ; they stated they couldn't do anything to contact XXXX XXXX XXXX. I contacted Total Loan Service, and they stated that they couldn't do anything because they sold the account to the collection agency XXXX XXXX XXXX 

I called XXXX & XXXX and spoke with XXXX again, and he stated that they did their part and there's nothing they can do. XXXX XXXX Bank or XXXX needs to contact the credit bureau to make the changes. 

XX/XX/XXXX, I contacted Experian to check on the dispute that I submitted on XX/XX/XXXX, and they said they were waiting on any updates and that they see no late payments reporting. My lender does a soft pull and sees the XXXX late payments reporting. I contacted Experian again on XX/XX/XXXX. I spoke with another lady, and she stated that the XXXX late payments are reported, and there is nothing they can do because they did update the report as was told to them, but not the late payments. I would need to upload any documents to support what I am saying. 

XX/XX/XXXX, I contacted XXXX XXXX Bank, XXXX, and XXXX & XXXX, and all three companies were pointing the finger at each other. I'm afraid that no one is trying to help me with getting the XXXX late payment statuses updated so I can proceed with purchasing my home. I contacted Experian again, and another lady said she didn't see any late payments reported. I told her they were showing on our end, and she said she could do nothing.

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 2025-01-18 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 Cashapp block Inc. as well as grain due to an in adequate customer, service and unfair practices, which violate the consumer financial protection at CFPAA specifically cash app as well as green, failed to take timely and effective measures to prevent an address fraud on the platform leaving my account vulnerable and I can take it for the more that sweet resolution process is unfair and deceptive as they did not comply with a resolution requirements under the electronic fund transfer egg and regulation in these actions to call significant inconvenience and Finacial off, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 proces : 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 2025-01-18 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: IL

Complaint narrative:
XXXX XXXX balance is incorrect. My balance is actually {$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 2025-01-18 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:
XXXX XXXX balance is incorrect. My balance is actually {$XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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:
i am filing a complaint against Cash A

pp ( 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 have caused significant inconvenience and | XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation