vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit file, and I request that you reinvestigate the following items : Incorrect and incomplete address information : XXXX XXXX XXXX XXXX XXXX, FL XXXX The inaccurate information on my credit report has negatively impacted my ability to fight against identity theft. I have attached copies of supporting documentation, including my driver license. 

I am aware that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for violating FCRA by failing to properly reinvestigate disputes, delete inaccurate information, and notify consumers of the results of reinvestigations. Given these allegations, I respectfully request that you handle my dispute in full compliance with FCRA, specifically : Conduct a thorough reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. 
Forward all relevant information I have provided to the furnisher ( s ) of the disputed information. 
Provide me with written notice of the results of the reinvestigation, including an updated credit report, within 30 days of receiving this dispute. 
Ensure that previously deleted information is not improperly reinserted into my credit file as it has been done so numerous times recently. 
If XXXX is unable to verify the accuracy of the disputed information, please remove it from my credit report immediately, as required by law. 

I look forward to receiving confirmation that you have received this dispute. Please respond to my request within the timeframes required by law. If you have any questions or require additional documentation, do not hesitate to contact me directly. 

Thank you for your prompt attention to this matter. 

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 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit file, and I request that you reinvestigate the following items : Incorrect and incomplete address information : XXXX XXXX XXXX XXXX XXXX, FL XXXX The inaccurate information on my credit report has negatively impacted my ability to fight against identity theft. I have attached copies of supporting documentation, including my driver license. 

I am aware that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for violating FCRA by failing to properly reinvestigate disputes, delete inaccurate information, and notify consumers of the results of reinvestigations. Given these allegations, I respectfully request that you handle my dispute in full compliance with FCRA, specifically : Conduct a thorough reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. 
Forward all relevant information I have provided to the furnisher ( s ) of the disputed information.

Provide me with written notice of the results of the reinvestigation, including an updated credit report, within 30 days of receiving this dispute. 
Ensure that previously deleted information is not improperly reinserted into my credit file as it has been done so numerous times recently. 
If XXXX is unable to verify the accuracy of the disputed information, please remove it from my credit report immediately, as required by law. 

I look forward to receiving confirmation that you have received this dispute. Please respond to my request within the timeframes required by law. If you have any questions or require additional documentation, do not hesitate to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: IN

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 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 financial loss, and I seek appropriate redress from the company ( 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXXXXXX XXXX  failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which XXXX violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure that my rights are upheld. Thank you.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain hard inquiries listed on my credit report. I believe these inquiries were made without my authorization or are otherwise inaccurate or unlawful under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed the following hard inquiries that I believe should be removed due to lack of authorization : Inquiry XXXX : ** [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX  ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX  ] [ XX/XX/XXXX ] ( Include additional inquiries if applicable ) Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 604, a hard inquiry may only be placed on your credit report when you provide consent. If any of these inquiries were made without my consent or were not initiated by me, they are in violation of my consumer rights and should be promptly removed. 

Please investigate these inquiries and remove them if they were unauthorized. You are required to complete your investigation within 30 days and provide me with the results of your findings. 

Additionally, I would like to remind you that under the FCRA, I have the right to request that any information found to be inaccurate, incomplete, or unverifiable be deleted from my credit report. 



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

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain hard inquiries listed on my credit report. I believe these inquiries were made without my authorization or are otherwise inaccurate or unlawful under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed the following hard inquiries that I believe should be removed due to lack of authorization : Inquiry XXXX : ** [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] Inquiry XXXX : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] Inquiry XXXX : ** [ XXXX XXXX XXXX XXXX  ] [ XX/XX/XXXX ] ( Include additional inquiries if applicable ) Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 604, a hard inquiry may only be placed on your credit report when you provide consent. If any of these inquiries were made without my consent or were not initiated by me, they are in violation of my consumer rights and should be promptly removed. 

Please investigate these inquiries and remove them if they were unauthorized. You are required to complete your investigation within 30 days and provide me with the results of your findings. 

Additionally, I would like to remind you that under the FCRA, I have the right to request that any information found to be inaccurate, incomplete, or unverifiable be deleted from my credit report. 



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

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute the accuracy of information contained in my Experian credit file. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the deletion of all unverifiable, inaccurate, or incomplete accounts listed on my credit report due to identity theft. Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( XXXX ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; EXPERIAN HAS REFUSED TO SHOW ME METHOD OF VERIFICATION THESE ACCOUNTS ARE COMING BACK VERIFIED AND ARE NOT MINE. I am requesting the deletion of all unverifiable, inaccurate, or incomplete accounts listed on my credit report due to identity theft.

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: GA

Complaint narrative:
I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service nd unfair practices which violate the customer financial protection act ( Cfpa ). Specifically, cash app failed to take timely nd effective measures to prevent nd address fraud on their platform leaving my account vulnerable nd unprotected furthermore their dispute resolution process was unfair nd deceptive as they did not comply with error resolution requirements

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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 situation 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 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 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On nov. XXXX 2024 i was the victim of a car burglary. The criminals stole my phone and wallet and used them to access my bank of america XXXX account and also make purchases at an XXXX XXXX in downtown XXXX XXXX with my cards and drivers license. They were able to change my online banking password and transfer funds between my accounts. They also attempted to make multiple purchases with XXXX bank of america XXXX XXXX and XXXX bank of america debit card and ultimately were able to verify the purchase on a bank of america credit card using the cell phone they stole. The purchase amount was {$5900.00}. And when the bank sought to verify the purchase the criminals used the phone to authenticate it.

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 monetary relief
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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 in Zelle fail to investigate my claims adequately. They informed me that recovering loss. Phone 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 allow repeat offenders to exploit the system leaving users vulnerable to scams. The 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am disputing an auto loan account listed on my credit report as charged off with a past due amount of {$22000.00} as of XX/XX/XXXX. This account is inaccurately reported, and the status is incorrect. I initially disputed this item in XX/XX/XXXX, but the information on my credit report remained unchanged after the investigation. Despite my efforts to correct this, the account is still marked as charged off, which is negatively affecting my XXXX XXXX. 

Initial Dispute : I filed a dispute with the credit reporting agency, requesting that the inaccurate account status be corrected or removed. 
Company 's Response : The credit agency acknowledged my dispute but did not resolve the issue. The account remained reported as charged off. 
Follow-Up : After the investigation, I received no updates or documentation from the company regarding the results or resolution of the dispute. 
I am requesting that this account be removed from my credit report as it is either inaccurate or unverifiable.

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: 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: CA

Complaint narrative:
Dispute of Inaccurate Information Under FCRA Sections 605B, 623 ( a ) ( 6 ), and 15 U.S.C. 1681c-2 PLEASE CHECK ATTACHMENT FOR MORE DETAIL

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Sending money through XXXX fraudulently from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
My case was dismissed by Cashapp taking my money from my account

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: SC

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. These actions had 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the XXXX. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost of funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name appears with the suffix XXXX on both XXXX and my Equifax credit report. My legal name does not include the suffix XXXX  They failed to change this error inmy credit report even after I provided them with documentation in the form of my driver 's license and social security card. This is the second time I've asked them to fix this mistake.

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: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems. Leaving, users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation