vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The company known as XXXX  used my personal information incorrectly and shared my information with other companies without my consent and also shared false information

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The Credit Reporting Bureaus such as : Experian, XXXX, and XXXX has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-18 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 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 my institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CPFBs 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 is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

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: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns using Zelle with my banking institution particularly in light of the the recent CFPBs lawsuit highlighting the specific issues with the platform. Despite using Zelle numerous times and reporting numerous discrepancies via claims my bank and Zelle failed to do adequate investigations with my claims. I have been informed that recovering the loss funds were impossible and that the tracking was infeasible. The CFPBs findings indicate that Zelle not only has failed to protect its consumers but it has allowed repeat offenders to exploit the system leaving XXXX consumers vulnerable to scams. This lack of transparency and accountability is unacceptable and raises concerns about our consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX was transfer through bitcoin never use this before another phone was long into my account also XXXX was taken from before a scam someone I never sent money to

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 theses violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
I am filing a formal complaint against XXXXExperian for their failure to correct multiple inaccuracies on my credit report and for continuing to report unauthorized medical information in violation of HIPAA. Despite numerous attempts on my part to resolve these issues, XXXXExperian has repeatedly failed to take appropriate action. 

Inaccurate Reporting and Court-Ordered Documentation I have submitted legal court-ordered documents to XXXX/Experian showing the correct amount owed for an apartment-related judgment. The court order clearly indicates a different ( and lower ) balance than what XXXX/Experian continues to report. 
XXXX/Experian has been provided with copies of these documents multiple times, yet the incorrect balance remains on my credit file. This directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy. XXXX immediately resolved the issue ; I will include dispute results. 

Unauthorized Medical ( XXXX  ) Information Equifax/Experian is reporting account information that includes or implies sensitive medical details, which were never authorized for release. 
Under the Health Insurance Portability and Accountability Act ( HIPAA ), protected health information can not be disclosed to third parties without explicit consent. XXXX continued reporting of this information constitutes a serious privacy violation. 

Failure to Investigate and Resolve Disputes I have formally disputed these items with XXXX/Experian on multiple occasions, submitting the necessary evidence each time ( court orders, letters from medical providers, and any relevant documentation ). 
XXXXExperian has not provided an adequate investigation or valid justification for continuing to report these inaccurate and unauthorized items. 
They have also failed to communicate effectively regarding the status or outcome of the dispute process. 

Impact on My Credit and Privacy Due to XXXX/Experian 's negligence in correcting these errors, my credit score and financial standing have been unfairly affected. 
The unauthorized disclosure of my medical information is both distressing and damaging to my privacy rights.

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 2025-01-18 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: SC

Complaint narrative:
I want XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX removed. Tried to dispute and I feel it wasnt properly investigated. Never received any documentation or information about investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: FL

Complaint narrative:
The company did not have any of my information until XXXX XXXX  XXXX  provided them with such information ( telephone number, address, date of birth, etc. ) when I was in a car accident XXXX XXXX my car was totaled and XXXX  XXXX  said they couldnt pay me out because a lien was showing up. I was confused because I wasnt aware of any lien on my title. Jeffersons  capital, Jefferson capital, jeffery capital  whichever name it is has been contacting me since and sending me notices. The agent name at progressive is XXXX. But I requested this so-called accounts information and they have yet to provide adequate informational support for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mortgage Research Center, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I applied for a mortgage loan with PADDIO and it wasn't till XX/XX/XXXX that I received email saying I was denied as I was looking over my denial paper I seen that there was an order number or order date and under it report prepaid for you which one they give you a order number it's because they took my application to the Federal Reserve discount window and then the date shows the day they did it and report prepaid for means prepaying or paying in advance for goods or services also I had a loan number which they don't give you unless you get the loan when I tried to inform them that I know what these things they told me that I did not have a loan with them and at the beginning of the year I tried filling out for another mortgage and I think it was assistance but they end up going through Paddio which I did not know and they did the same thing denied me but had the loan number the order number and all that that was on XX/XX/XXXX I once again tried to contact them and let them know and the guy tried to tell me that the report prepaid for was that they paid for the credit report which on my credit report it shows that they did not and that the loan number is given to you when you fill out an application and it ain't I have all the paperwork and proved screenshots and everything thank you so much for your time have a good day

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 2025-01-18 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 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 formally expressing 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 2025-01-18 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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 ( 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to XXXX, XXXX, TransUnion. The letter was sent in reference to the following accounts : XXXX. XXXX XXXX XXXX -Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  : Account Number : XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX - No Account Number Noted XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No account Number Noted. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX, XXXX, TRANSUNION has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.XXXX, TRANSUNION, XXXX have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that XXXX has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you XXXX is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of Dixon-Rollins v. Experian Information Solutions Inc ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ).

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:
To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to XXXX, Equifax, XXXX. The letter was sent in reference to the following accounts : XXXX. XXXX XXXX XXXX -Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  : Account Number : XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX - No Account Number Noted XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No account Number Noted. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX, EQUIFAX, XXXX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.EQUIFAX, XXXX, XXXX have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that Equifax has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you XXXX is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of Dixon-Rollins v. Experian Information Solutions Inc ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ).

Company response to consumer: Closed with explanation