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

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REVIEWED A RECENT COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE FRAUDULENTLY OPENED AND REPORTING TO MYCREDIT REPORT AND IS NEEDING TO BE REMOVED IMMEDIATELY. AS I AM IN THE PROCESS OF TRYING TO PURCHASE A HOME AND THIS ISINCONVENIENTLY AFFECTING ME. I'VE ADDRESSED THESE ACCOUNTS BEFORE WITH BACK UP BUT CREDITORS ARE STILL ILLEGALLY REPORTING THESE ACCOUNTS.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im still waiting for a response from the company since 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a 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 effect 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to you to express my concerns with how the handling on Zelles part with some disputes, specifically of recent CFPB lawsuit that has highlighted certain issues with the platform. Even though in use of Zelle countless times and making reports of discrepancies, Zelle and my financial institution failed to investigate claims thoroughly. They informed me that recovering funds was not possible and that tracking the transactions werent available. The CFPBs findings indicate that not only has Zelle neglected to protect its consumers but also allowed repeat offenders to exploit the system, leaving many users vulnerable to scams. The lack of accountability and transparency is something that can not be stand for and raises questions and concerns about the safety of the consumers.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax did not do a proper investigation I requested proof of original signature proof of chain of title, and insurance claim on the debit they're claiming I owe. Equifax refused to do a proper investigation instead they kept coming back as very I ask how theyre verifying without sending me the information I requested and each time they ignore me.no response from Equifax please help I'm simply asking Equifax to verify the company XXXX XXXX I need original proof of signature. Any insurance claims on this account. Do they have the chain of title to collect on this debt because i believe they're fraud and I'm getting no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Account Number * XXXX

Company response to consumer: Closed with non-monetary relief
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: WI

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 2025-01-19 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 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 regulations 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Needed to transfer XXXX to a worker and the money got withheld and the money was not available for a couple days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am submitting a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Although I had sufficient funds in my account at the time transactions were authorized, I was still charged overdraft fees due to delayed posting of charges and credits. This issue appears to be consistent with recent findings by the CFPB, which highlighted similar practices by Navy Federal, where transactions were processed with insufficient balances despite available funds at the time of authorization. I consider these practices unfair and request a thorough investigation into the handling of my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: NY

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 2025-01-19 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address for on a 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 called 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Unverifiable Account from Credit Report Dear Sir/Madam , I am writing to formally request that the credit reporting agencies ( CRAs ) immediately remove the account listed as a charge-off from my credit report, which was reported by XXXX XXXX. This account has been deleted from my XXXX credit report following a dispute I filed and which was completed on XX/XX/year>. XXXX has verified that the account is no longer reported, and I am requesting that all other CRAs do the same, in accordance with the law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate, incomplete, or unverifiable. As XXXX has deleted this account due to its unverifiable nature, it stands that the other CRAs must also verify or delete the account. The FCRA mandates that credit reporting agencies conduct a reasonable investigation and only report accurate information. Since XXXX has determined that this account can not be verified and has deleted it, I am requesting the same be done by your agency. 

In addition, I would like to bring to your attention the following relevant consumer laws that protect me as a consumer : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** : The FCRA mandates that all information reported to credit reporting agencies must be accurate, complete, and verifiable. If an account is found to be unverifiable, it must be removed from the report. 

2. **FCRA Section 1681i** : If any information on my credit report is found to be inaccurate or incomplete and can not be verified, it must be deleted within a reasonable period. 

3. **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692** : This act protects consumers from unfair debt collection practices and ensures that only accurate information is reported and retained. 

I am requesting that you review my file and remove the unverifiable account from my credit report within 30 days from the date of this letter. If this issue is not resolved in the prescribed time frame, I will not hesitate to pursue legal remedies available under the FCRA and FDCPA, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages caused by the inaccurate reporting. 

Please provide me with written confirmation of the accounts removal from my credit report within 30 days. 

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

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 2025-01-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Unverifiable Account from Credit Report Dear Sir/Madam , I am writing to formally request that the credit reporting agencies ( CRAs ) immediately remove the account listed as a charge-off from my credit report, which was reported by XXXX XXXX. This account has been deleted from my XXXX credit report following a dispute I filed and which was completed on XX/XX/year>. XXXX has verified that the account is no longer reported, and I am requesting that all other CRAs do the same, in accordance with the law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate, incomplete, or unverifiable. As XXXX has deleted this account due to its unverifiable nature, it stands that the other CRAs must also verify or delete the account. The FCRA mandates that credit reporting agencies conduct a reasonable investigation and only report accurate information. Since XXXX has determined that this account can not be verified and has deleted it, I am requesting the same be done by your agency. 

In addition, I would like to bring to your attention the following relevant consumer laws that protect me as a consumer : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** : The FCRA mandates that all information reported to credit reporting agencies must be accurate, complete, and verifiable. If an account is found to be unverifiable, it must be removed from the report. 

2. **FCRA Section 1681i** : If any information on my credit report is found to be inaccurate or incomplete and can not be verified, it must be deleted within a reasonable period. 

3. **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692** : This act protects consumers from unfair debt collection practices and ensures that only accurate information is reported and retained. 

I am requesting that you review my file and remove the unverifiable account from my credit report within 30 days from the date of this letter. If this issue is not resolved in the prescribed time frame, I will not hesitate to pursue legal remedies available under the FCRA and FDCPA, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages caused by the inaccurate reporting. 

Please provide me with written confirmation of the accounts removal from my credit report within 30 days. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: VA

Complaint narrative:
identify you and your account. 
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 2025-01-19 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: CA

Complaint narrative:
Ive had several companies contact me and said that it looks like I am a person who is expected to have identity identity, theft I was told that my name is on major things and it is not the correct social or correct address to information.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year>. {$4000.00} was the amount taken from my account that cash app denied helping me stop this payment and denied my claim. I did as they instructed and the persons acc in which my .money went blocked my request.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently found out my personal data was leaked in a breach. There were multiple accounts on my report that I dont recognize. On XX/XX/XXXX a XXXX XXXX XXXX bank was reported with a {$690.00} balance. On XX/XX/XXXX XXXX XXXX reported on my report with a {$8000.00} balance. On XX/XX/XXXX a Collection Account by XXXX XXXX A was opened with a {$830.00} balance. To make matters worse on XX/XX/XXXX 2 accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were opened and reported with an insane {$23000.00} balance. These debt are not mine and i have made claims about accounts before because I have been a victim of this in the past.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sa-Vit Enterprises, Inc.
State: DE

Complaint narrative:
This company is reporting a debt that is categorized as a medical debt regarding a remaining balance from my XXXX. It should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Early Warning Services, LLC
State: MI

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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. 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 was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation