vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 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 cause significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
Could not contact a live representative from cash app for fraudulent issues on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
I got XXXX XXXXXXXX and it was {$8000.00}. My doctor said they switched from XXXX XXXX to a new company called XXXX XXXX XXXX XXXX XXXX XXXX  and they set me up with a {$1600.00} down payment, {$180.00} XXXX  month, interest free if paid in XXXX months. This was in XX/XX/XXXX2024. The statements show interest coming out so I called their customer service XXXX XXXX # XXXX and he said that the promotional offer of no interest was not applied. To apply no interest, they must raise the payment to {$270.00} per month. I asked for their Legal Dept because that was NOT the Agreement. I verified with my doctor 's office and they stated this was supposed to be like XXXX XXXX which is NO INTEREST IF PAID IN XXXX MONTHS. Only being XXXX months, how are they charging interest. 

I also paid an additional payment of {$200.00} which they took interest out of on my statement. And I asked about that and I was told that and any additional payments would not be applied until the end of the term. I explained, if I pay extra on my mortgage, that is all principal but since my Agreement is interest free, it is a moot point. 

His final offer was that I would pay {$4000.00} additional $ $ $ in interest if I did not up my monthly payment to {$270.00}. I said, it shows on my statement that my balance is $ 5300+/- if paid before XXXX2026. He said, no, because that promotion was not applied. 

I asked for his Legal Dept. and he said that they don't have one. I asked for a supervisor and he said he would put in a ticket for " XXXX '' no last name to call me back within XXXX hours. 

This was not thXXXX first time I talked to someone there about this - it's the third phone call. I don't know what is happening. My statement says one thing, the employees try to get another XXXX XXXX  month out of me. People finance medical treatments because they need them. We have all used XXXX XXXX and had no issues. 

Remedy : The interest free if paid in XXXX months as agreed upon IN THE DOCTOR 'S OFFICE which they have verified, no one getting these loans are supposed to be paying interest. Any additional payments must be applied at the time of payment, not held until the end of the term. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I disputed inaccurate late payment reporting on the following accounts : Uplift Account # XXXX, Uplift Account # XXXX, Uplift Account # XXXX, and XXXX  Account # XXXX. These accounts are closed with {$0.00} balances but are being falsely reported with over XXXX  days of late payments. Despite submitting formal disputes with documentation proving the accounts are paid in full, the credit bureaus and furnishers have failed to correct these errors, violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has significantly harmed my credit score and financial opportunities. I am requesting immediate action to remove the false late payment information and hold the furnishers accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-17 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:
they were times i did call the XXXX number and i did gave out personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
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 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 XXXX financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I saw a tiktok from a regular account holder ( not from the official Capital One account ) saying that there is a problem with deposits at Capital One. I logged into my Capital One account and saw that my entire business checking account disappeared with a message saying We ran into a snag trying to retrieve your account details, but were working out. 

I had to go on social media to see that other people were having the same issue. Capital One did not inform customers of this issue until XXXXpm CT. In the email, they stated that the issue actually started on XX/XX/XXXX. They did not immediately inform anyone but instead delayed the response until more of the public got angry. It is now XX/XX/XXXX and my account is still completely gone. They are lying on their site, saying the site is now working perfectly fine when so many people are still having issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 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 2025-01-17 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:
I am filling 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 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation Under the fair credit reporting act to conduct a reasonable re-investigation ive disputed information on my credit report. Leaving an accurate unresolved accounts on my credit.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate customer 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MA

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 2025-01-17 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted chase asking them to provide me documentation on why my account was closed till today Im still not told why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc . ) Due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 2025-01-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Improper Verification of Disputed Information Under FCRA 15 U.S.C. 1681i I am filing this complaint because TransUnion failed to properly verify information on my credit report. I previously disputed the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureau returned the items as verified, but no actual proof of verification was provided. UnderFCRA 15 U.S.C. 1681i, credit bureaus are required to conduct areasonable investigationand either verify the accuracy of the information or delete it. 

Specifically, I request that you provide the following information : Proof that you are legally authorized to collect this debt ( for example, a copy of the signed contract or agreement related to this debt ). 
The original amount of the debt at the time it was incurred. 
The name and address of the creditor to whom the debt is owed, and any other relevant parties involved. 
A breakdown of any fees, interest, or other charges that have been added to the debt since its inception. 
Any documentation proving that this debt is valid, including a detailed account history and payment records, if applicable. 
Please note that, under the FDCPA, you are required to validate this debt before continuing any collection activities or reporting this information to the credit bureaus. I request that you provide the relevant documentation within 30 days of receiving this letter. 

If you are unable to validate the debt as requested, please remove the information from my credit report and cease any collection activities related to this debt. Additionally, if this debt can not be validated, I expect you to notify all credit reporting agencies to which you have reported this debt to correct or remove the information. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
I was surprised to find some reporting errors on my credit report. The way certain accounts are listed isnt right, and its bringing down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NE

Complaint narrative:
I am writing to verbally 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 Fianacial institution and Zelle failed to investigate my claim 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 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 2025-01-17 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:
Background : Since XXXX, you have been fighting to resolve issues with XXXX after experiencing identity fraud during the XXXX pandemic. This has been an ongoing struggle for nearly XXXX years. 


Documentation : You have proactively sent documentation to XXXX supporting your claims of identity fraud. This includes evidence of fraudulent activities that are linked to your credit report. 


Lack of Investigation : Despite your efforts and the submission of relevant documents, XXXX has failed to investigate your allegations adequately. This lack of action has contributed to ongoing issues with your credit report. 

Disputed Items : You are specifically looking to have certain items reinstated or removed from your credit report, arguing that they are fraudulent and not tied to your identity. The persistence of these items has negatively impacted your credit score and financial opportunities. 


Resolution Seeking : You have been actively trying to resolve these disputes with XXXX and seek reinstatement of your true creditworthiness, emphasizing the need for a fair evaluation of your claims. 


This ongoing battle underscores your frustrations and the need for XXXX to take accountability in investigating and rectifying the issues related to your identity fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-17 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-17 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 cashapp ( Block Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA specifically Cash App fail to make or take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore this 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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation