vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I am writing 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 report 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 infeasible. 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: WA

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 2025-01-20 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> I disputed inaccurate information listed on my credit report and asked for validation of the inforamtion listed on the report with XXXX, XXXX and experian. The accounts disputed were XXXX XXXX and XXXX XXXX. XXXX returned a letter to me on XX/XX/year> stating the XXXX XXXX  was validated but they did not send proof of validation. They did not respond to the dispute of net credit, they did not address the dispute at all and it still remains on credit report. I have reached out to net credit numerous times and they continuously sale my information. I am never able to keep up with who has the account. I want both of these accounts removed off my credit report

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XX/XX/year> I disputed inaccurate information listed on my credit report and asked for validation of the inforamtion listed on the report with XXXX, XXXX and experian. The accounts disputed were XXXX XXXX and XXXX XXXX XXXXXXXX returned a letter to me on XX/XX/year> stating the XXXX first was validated but they did not send proof of validation. They did not respond to the dispute of net credit, they did not address the dispute at all and it still remains on credit report. I have reached out to net credit numerous times and they continuously sale my information. I am never able to keep up with who has the account. I want both of these accounts removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: DE

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-01-20 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 2025-01-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Request for Information on Consumer Rights Dear BARCLAYS BANK DELAWARE, I am reaching out with a sense of urgency and determination regarding my consumer rights. I understand that this account is currently marked as charged off, but it is imperative that I obtain specific information to fully understand my rights and obligations. I kindly request your assistance in providing answers to the following critical questions : 1. Date Opened : When was this account initially established? 2. High Credit : What is the highest amount charged on this account? 3. Credit Limit : What was the original credit limit assigned to this account? 4. Date Last Reported to Credit Bureaus : When was this account last reported to the credit bureaus? 5. Date When Charged Off : On what date was this account officially charged off? 6. Date Last Active : When was the last activity recorded on this account? 7. Date of Last Payment : What is the date of the most recent payment made on this account? 8. Two-Year Payment History Reported to the Credit Bureaus : Can you provide the payment history for the past two years as reported?

Your prompt response to these inquiries is not only appreciated but essential for my understanding of my consumer rights and the implications of this account status. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX All Rights Reserved

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

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 2025-01-20 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filling a complaint against cashapp ( block, inc. ) Due to inequate customer service and on the fair practices which violate the customers Financial Protection Acts ( CFPA ) specifically cash up failed to take time and effectively measures to prevent an address fraud on that platforms leaving my account vulnerable and unprotected furthermore the disputes resolution process was unfair decisive as they did comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations. These actions have caused significant inconvenience and financial loss and I seek appropriate address for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
I have raised multiple disputes with XXXX, XXXX, and Experian regarding inaccurate information on my credit report, yet the errors remain unresolved. Despite my repeated efforts to have the inaccuracies corrected, no meaningful action has been taken.

1. Failure to Investigate ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have failed to investigate the disputed information within the 30-day period required by law, preventing timely resolution of the issues.

2. Reporting of Inaccurate Information ( 15 USC 1681e ( b ) ) : The information on my credit report has not been verified for accuracy, leading to the continued reporting of incorrect details that negatively affect my creditworthiness.

3. Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus continue to report outdated information that should have been removed after the legally required period, violating the regulations on how long certain data can remain on a credit report.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
{$600.00} was taken out of my account the receiver claimed she didnt receive funds and they took an extra {$600.00} out my account and closed my account after being with them for over 10 years with good standings

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 2025-01-20 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 services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and adress fraud on theor platform, leaving my account vunlerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvinience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 formal complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Under the Consumer Financial Protection Act ( CFPA ), financial institutions are required to act in good faith, ensuring fair treatment of consumers. Cash Apps failure to properly secure user accounts and respond to fraud issues violates these provisions.

Additionally, Cash App 's dispute resolution process has been unfair and deceptive. They have not complied with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which govern how financial institutions must handle disputes and unauthorized transactions involving electronic funds. The lack of compliance with these regulations has further compounded the situation, leaving my account vulnerable and preventing me from resolving the issue in a timely manner. These actions have caused significant inconvenience and financial loss, as my funds were left unprotected due to Cash App 's failure to act in a reasonable and timely manner. The dispute process was deceptive, leaving me with no clear path for resolution or reimbursement for the losses incurred.

I am seeking redress for these violations, including a full review of Cash Apps handling of the fraudulent transactions and a reimbursement for the financial losses I have suffered as a result of their failure to protect my account and resolve the issues under applicable laws. 

updated address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
There was a duplicate transaction that came out of my Bank of America checking account 5 times. It left me with less than XXXX . I called customer service and they stated they couldnt reverse pending transactions. I screenshot the transaction to my phone. The next day the pending charges no longer showed on my account, and the funds were never replaced. The transaction history never reflected the pending transaction, didnt show it as posted, and never sent back the charged funds. I contacted the merchant and the verified their error and the returns. When I called Bank of America customer service, their screens showed all I was inquiring, yet the agent who was even confused, told me the funds were returned. My XXXX XXXX is sent that account. Trust I track every XXXX. When I told the agent I had screenshots of transactions no longer showing on my account, he got confused and couldnt even answer my questions from a banking perspective. I told him to please close my account. He asked me to assure that it was not because of him I was closing my account, but my missing money. I always found that recorded conversation very odd. As a banker, certain questions you should know. He was very polite, though extremely confused. I closed my account due to the negligence of maintaining my funds and the agents uncertainty on where my funds were.

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 2025-01-20 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigate of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumers Financial Protection Bureau ( CFPB ) as recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to inadequately notify consumers of dispute outcomes. These failures aligned with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as experian in action violates federal law in my rights as a consumer.

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 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good morning : The thing is that Well Fargo asked me a while ago to update my status, in online banking I sent them everything they asked me for two months ago, I am an American citizen, and since Friday the XXXX I went to make a payment and my account was blocked, without telling me the reason, I called XXXX and he told me that because I am XXXX for me this is called discrimination, I did online what they asked me, I sent my passport of citizenship, I updated my phone number, my address and I thought that everything was Redy if they needed anything else they never called me or told me anything in online banking they told me it was under review but everything was fine, I have automated payments and my account closed, I hope you please help me resolve this as it has always been with you, I thank you in advance, ahh your credit cards those are open, I am retired and the money that my retirement and social give me I can not use it ... thank you, I await your respons

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 2025-01-20 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 have raised multiple disputes with XXXX, Equifax, and XXXX regarding inaccurate information on my credit report, yet the errors remain unresolved. Despite my repeated efforts to have the inaccuracies corrected, no meaningful action has been taken.

1. Failure to Investigate ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have failed to investigate the disputed information within the 30-day period required by law, preventing timely resolution of the issues.

2. Reporting of Inaccurate Information ( 15 USC 1681e ( b ) ) : The information on my credit report has not been verified for accuracy, leading to the continued reporting of incorrect details that negatively affect my creditworthiness.

3. Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus continue to report outdated information that should have been removed after the legally required period, violating the regulations on how long certain data can remain on a credit report.

Company response to consumer: Closed with explanation