vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX, XXXX. Despite my formal dispute about inaccurate or unverifiable information on my credit report, the credit bureaus claimed the information was verified but failed to provide the required method of verification ( as outlined in Section XXXX, 15 U.S.C. 1681i ). 

This lack of compliance is unacceptable and has caused harm to my financial health. Additionally, my personal information has been leaked in several high-profile data breaches, which makes it even more critical that these credit bureaus fulfill their legal responsibilities to investigate and verify disputed information accurately. 

Specifically : XXXX. I submitted a dispute to the credit reporting agencies requesting verification or correction of inaccurate items on my credit report. 
XXXX. The agencies responded that the information was verified but did not provide any documentation or details explaining how the verification was conducted or the sources used. 
XXXX. This failure to provide a method of verification violates my rights under the FCRA, which entitles me to receive the details of any investigation. 

Furthermore, the exposure of my personal information in data breaches increases the risk of fraudulent activity, making it essential for the credit bureaus to handle disputes with diligence and accuracy. By failing to comply with the FCRA, the credit reporting agencies are compounding the potential harm caused by these breaches and jeopardizing my financial security. 

I believe the credit reporting agencies are engaging in negligent and/or willful noncompliance with federal law, and their actions ( or lack thereof ) have caused me financial harm by : Allowing inaccurate or unverifiable information to remain on my credit report. 
Preventing me from fully correcting errors, which affects my ability to secure fair financial opportunities. 

If these violations persist, I will escalate my complaints to the Federal Trade Commission ( FTC ) and pursue legal action under the FCRA to protect my rights as a consumer. 

I respectfully request that the CFPB take immediate action by investigating this matter and ensuring that these credit bureaus comply with their legal obligations. Specifically, I request that : They provide the method of verification for the disputed items. 
Any unverifiable or inaccurate information is promptly removed from my credit report. 
They address the implications of the data breaches on my credit profile and take steps to ensure accuracy and security moving forward. 

Thank you for your assistance in addressing this serious issue. I look forward to a resolution.

Company response to consumer: Closed with non-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: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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 2025-01-16 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has 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 adequately notify consumers of dispute outcomes. These failures align 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 or amend the disputed accounts, as XXXX XXXX inaction violates federal law and 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 2025-01-16 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 ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has 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 adequately notify consumers of disputing outcomes. These failures align 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 or amend the disputed accounts, as Experians inaction violates federal law and 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 2025-01-16 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: NJ

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 of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I received a text message with the following content : Before and after receiving phone calls from XXXX XXXX XXXXXXXX XXXX ( This number appears on the back of my debit card. ) Attempts to call back resulted in ringing and and disconnection. The text message ( XX/XX/year> XXXX ) stated : BOA : did you use your debit card at XXXX XXXX, {$53.00}, declined XXXX XXXX XXXX WIRE TRANSFER {$8900.00}, Approved XXXX If you recognize this activity, reply YES If not. Reply NO STOP to end. 

This was followed by a phone called and the caller identified himself as XXXX XXXX, a Bank of America XXXX XXXX and the phone number appeared as XXXX. He reported that he was the fraud agent assigned to handle the case and that a wire transfer was approved in the amount of {$8900.00} and that I needed to transfer funds to a secure account to protect it from further wire transfer fraud. He stated that in order to protect the rest of your money, you will be transferring it to my boss XXXX XXXX. He provided education on how to protect yourself from fraud and seemed insistent with regard to the urgency with which I should address the matter. The phone call between myself and XXXX XXXX was initiated at XXXX and concluded at XXXX. I spoke with my spouse at XXXX and initiated a phone call to Bank of America at XXXX. 

Bank of America instructed me to cancel my debit card. I was told at several intervals that Bank of America would never and does not contact account holders, yet, they have done so on multiple occasions leading to increased susceptibility to fraud. The representative I spoke with, XXXX, made further inquiries about the wire fraud that occurred and I was given a case number. As of XX/XX/year>, I was notified that my claim was denied and that Bank of America considered the inquiry closed despite my best efforts to report the fraud in an extremely timely matter and police report filed with my local jurisdiction.

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 2025-01-16 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 XXXX 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 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 XXXX XXXX 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 2025-01-16 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: IL

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting those accounts for. This has cause me great anxiety, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian refuses to block even though I continue to send the request of documentation

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: MD

Complaint narrative:
I did not receive my direct deposit paycheck through Capital One banking on XX/XX/year> as I should have. As of XXXX XX/XX/year> it's still not deposited. The only answer I was given is that they are experiencing issues with a third party vendor. No timeliness or ETA of when my needed paycheck will be in my account. They are not doing well with updating their consumers, keeping everyone in the dark. It took hours yesterday of no word from them to recieve an email that says they are experiencing technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NJ

Complaint narrative:
This complaint is to express concern regarding the way Zelle handles disputes. Particularly, in light of the CFPB lawsuit emphasizing significant issues with the platform. Despite using Zelle multiple times, and reporting discrepancies, my financial institution and Zelle failed to fully investigate any claims ive made. Ive been told recovering lost funds and tracking the transactions were impossible. The CFPB lawsuit has proven the neglect from Zelle to protect its consumers. They have allowed repeated offenders to exploit the system, leaving users vulnerable to scams. I hope this complaint gets resolved, and i thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally address your recent response regarding my request to block items from my credit report due to identity theft. I am extremely dissatisfied with the continued delays and your unwarranted demands for additional documentation despite my prior submission of the FTC identity theft report.

As previously communicated, I have provided all necessary documentation, including the FTC identity theft report, in full compliance with the **Fair Credit Reporting Act ( FCRA ) Section 605B**, which mandates that consumer reporting agencies block information related to identity theft upon receipt of a valid identity theft report. The law is clear : once the identity theft report is submitted, you are required to block the fraudulent items within **4 business days**. Your continued request for additional documentation, particularly from law enforcement, is both unnecessary and a violation of this legal requirement.

Under **FCRA Section 1681i**, you are required to complete your investigation of my dispute within **30 days**, and you are expected to process my request within the **4-day** period specified in Section 605B when identity theft is involved. Your failure to adhere to this timeline is a direct violation of federal regulations, and your ongoing inaction is unacceptable.

Additionally, your request for further documents beyond what I have already provided contradicts the **Identity Theft Enforcement and Restitution Act of XXXX, which emphasizes that credit reporting agencies must act swiftly to resolve identity theft issues and protect consumers from financial harm. It is clear that Experian is not complying with these protections. 

If this matter is not resolved within **4 business days**, I will have no choice but to escalate this issue to the appropriate regulatory authorities, including the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and the **Attorney Generals office**. I will also consider legal action for the harm caused by this continued delay.

Please be advised that I expect immediate action to block the fraudulent items from my credit report. If this issue is not addressed within the stipulated time frame, I will take further action as described above. 

I trust you will act promptly and confirm receipt of this email and the immediate processing of my request.

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 2025-01-16 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 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company sued me for more than what the debt was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 about regarding Zelles handling of disputes particularly in highlight of the recent lawsuits.

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 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, there 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 2025-01-16 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 writing to formally express my concern regarding Zelles handling of disputes particularly in the 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 this was too the CFPB finding indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system and leaves us users vulnerable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 readdress for these violations

Company response to consumer: Closed with explanation