vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX XX/XX/year> {$69000.00}

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 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Economic 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 2025-01-21 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: FL

Complaint narrative:
I recently received a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-21 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 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.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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The debt owed to XXXX XXXX XXXX associated with the financed automobile has been settled as evidenced by IRS acceptance of my 1099A and my receipt of 1099 Copy B. After receiving confirmation that the IRS received and accepted the 1099A for discharge, I did a UCC11 to ensure that the lien was removed from the financed property and the UCC11 confirmed that XXXX XXXX XXXX removed the lien that substantiated this debt obligation. The fact that XXXX XXXX XXXX has removed the lien is further evidence that the debt has now been settled and i XXXX ; XXXX now have the rights as the Holder in Due Course. Based on this fact, i have filed a UCC1 Lien on the financed property myself further evidencing that this debt has been settled and that I am now the legal holder in due course and owner of the financed automobile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complain against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
Hi TransUnion, this is the last time I contacted you about this fraud account from XXXX before I have a lawyer take over this case. My information was stollen and I found this fraud account opened using my name without my knowledge. I already sent the FTC report and police and still having getting any response. I am aware that, as per 15 USC 1681 i ( a ) 6 ( B ) and 15 USC 1681 i ( a ) 5 ( B ), you are require to delete this fraud account from 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 non-monetary relief
Consumer complaint received 2025-01-21 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal has engaged in Debanking practices by blocking my ability to receive payments from others, with both domestic and international transfers of funds. PayPal refuses to provide any explanation for this, saying there are no restrictions on my account and to try again in 48 hours. They offer overly prohibitive customer service hours to be contacted when lookingto speak with a human. Attempts to call have resulted in the call being abruptly disconnect when being transferred to a human. In my frequent attempts to message the company have led me to AI chat bots that talk me in circles or direct me to their website, which sends me down a rabbit hole with no real resolution. I have been trying to resolve this issue for three days with minimal response from the company. I'm filing a formal complaint as these practices make it difficult to resolve my access to services, resulting in Abusive and Deceptive Debanking business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriat redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want reported/disputed accounts removed ( Student Loan -personal acct @ $ XXXX {$23000.00} was included in a 2019 bankruptcyit was removed and then put back on ). Also, for current student loans, the amount owed is incorrect, payments and interest not adjusted for those paid as part of loan forgiveness and the loans have changed companies multiple times. 

There are closed/charged off ( company received insurance payments and illegally sold accounts to another company and that company does not have my signature agreeing to pay them ) & discharged bankruptcy accounts that are still listed ( mortgage companies, credit card companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other credit card and other accounts listed on dispute when submitted ( they should have the record )

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 2025-01-21 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: MD

Complaint narrative:
I want reported/disputed accounts removed ( Student Loan -personal acct @ $ XXXX {$23000.00} was included in a 2019 bankruptcyit was removed and then put back on ). Also, for current student loans, the amount owed is incorrect, payments and interest not adjusted for those paid as part of loan forgiveness and the loans have changed companies multiple times. 

There are closed/charged off ( company received insurance payments and illegally sold accounts to another company and that company does not have my signature agreeing to pay them ) & discharged bankruptcy accounts that are still listed ( mortgage companies, credit card companiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other credit card and other accounts listed on dispute when submitted ( they should have the record )

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 2025-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I received a communication from PAYPAL roughly XXXX of XXXX regarding my account being permanently blocked, which is interesting because I followed and provided all the information they requested for verification to transition to a business account. 
My first consumer transaction with my business account paid via paypal within that same month. This was the first and only PayPal transaction ; after providing the proof of transaction emails and delivery of service email ; they blocked my account and withheld the funds from the transaction to date ( XX/XX/XXXXXXXX  ) without an explanation. When this all happened I immediately contacted customer service and I was promised a call back regarding my concerns and for answers to my question but no one ever called me back. I received an email from them today advising I can now withdraw the funds they held without cause last year. I messaged a customer service rep today and requested to close my account and requested they also move my banking information from the platform. They will not allow me to close the account nor will they remove my banking information. I no longer wish to do business with them and have taken my business elsewhere. Please require them to close my account and remove my banking information from their platform. The last thing I want to hear is that a data breach occurred and they accidentally leaked my personal information. Additionally its very difficult to get a hold of a person in management, they should be required to provide adequate contact information and addresses, the numbers I called that are publicly listed were all out of service. I'm only able to get through to the message center and only speak to low level personnel. you are promised a call back from management but its a farce they don't call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XXXX XXXX XXXX, I informed Cash App that I had gotten my account stolen and someone had sent {$140.00} to themselves and tried to get my money back and they refused it. I can insert a screenshot of the refused dispute. They have done this multiple times with multiple things, but that was the most money they had ever refused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
This is showing in my credit report and I never even applied or used a card for or from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX due to their ongoing illegal practices and grossly inaccurate reporting on my credit file. Attached is documentation from the original creditor confirming that the balance they recorded differs significantly from the amount XXXX XXXX XXXX continues to report. A settlement has already been reached with the original creditor, and I do not owe XXXX XXXX XXXX anything. 

Despite repeated notifications and complaints, XXXX XXXX XXXX has failed to correct these inaccuracies. This company has ignored its legal obligations, and its actions reflect a clear violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. TransUnion, the sole credit reporting agency allowing this erroneous information to appear on my report, is equally complicit in perpetuating this harm. 

The impact of this account 's continued presence on my credit file has been devastating, causing undue emotional distress and financial hardship. My attempts to resolve this matter for over a year have gone unanswered, leaving me no choice but to escalate this issue further. 

I am prepared to pursue litigation against XXXX XXXX XXXX and will involve my attorney to ensure this matter is addressed. I will also hold TransUnion accountable for allowing inaccurate information to remain on my credit report, despite being notified of its inaccuracy. I have an extensive paper trail of complaints and evidence that will be presented in court, and I am confident the ruling will be in my favor. 

Attached to this complaint are : Documentation from the original creditor verifying the correct balance and settlement. 
Proof of the inaccurate balance reported by XXXX 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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Request for Investigation into XXXXXXXX XXXX Reporting Practices Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating XXXX for its handling of my credit report. I have encountered numerous issues that suggest improper and potentially unlawful practices that have caused significant harm to my credit standing. 

Reasons for Dispute Reinsertion of Previously Deleted Inaccuracies : XXXX has repeatedly reinserted charges and accounts into my credit report that were previously investigated, disputed, and deleted. These items continue to reappear without any notice or explanation, contrary to the Fair Credit Reporting Act ( FCRA ) requirements. 

Incorrect Address Listings : My credit report contains multiple instances of addresses I have never lived at, despite my efforts to dispute and remove them. These inaccuracies have reappeared multiple times after being corrected, leading to confusion and potential misrepresentation of my creditworthiness. 

Failure to Investigate Disputes Properly : Despite providing documentation and evidence supporting my disputes, XXXX has failed to adequately investigate or correct the errors in my credit report. Instead, they have provided generic responses and dismissed my claims without resolution. 

Recurring Inaccuracies : I have noticed recurring inaccuracies, such as outdated or incorrect account statuses, that remain on my profile despite being flagged in previous disputes. This has led to unjustified negative impacts on my credit score. 

Impact on My Life These ongoing issues with XXXX reporting practices have made it difficult for me to secure loans, housing, and other financial services. Additionally, the repeated need to dispute the same inaccuracies has caused unnecessary stress and financial strain. 

Lender Name : Amount : {$45000.00} Issue : Loan was taken out in my name without my consent. Despite reporting this fraud to the lender and credit bureaus, the loan remains on my credit report. 

Issue : Unauthorized personal loan opened using my information. The lender did not follow up on my dispute or provide resolution.

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