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

Complaint narrative:
I am filing a complaint againstCash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate customer financial protection act. Specifically. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected.

Furthermore, their dispute Resolution process was unfair and deceptive, as they did not comply with error resolution require requirements under the electric fund transfer transfer act 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Recently I did a investigation on my credit report and found several items on there to be inaccurate. 

XXXX XXXX XXXX XXXX - Compliance procedures. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. 
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 XXXX 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: 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: FL

Complaint narrative:
XXXX failed to fulfill legal adoration on the defect credit act FCRA to conduct a reasonable and read, and we investigate the dispute informed credit reports leaving an inaccurate and unverifiable accounts unresolved the consumer customer financial protection bureau has recently found the lawsuit against Experian and alleged somatic issues such as fail to customer provided evidence to furnishes, accepting unreliable response, and failure to adequately notify customers of dispute outcome these phase align with my experience where experience has either corrected or removed dispute items despite the evidence provided causing Outgoing harm to my credit standing request. I am questioning immediate corrective action to remove or amend to dispute account as experienced in action, violets federal law, and my right as a Customer

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: 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: OH

Complaint narrative:
Account # XXXX Subject : Request for Investigation into Credit Reporting Inaccuracies Dear CFPB Team, I am writing to bring to your attention an ongoing issue I have encountered with the three major credit bureausTransUnion, XXXX, and Experianregarding my XXXX XXXX account. 

Recently, I submitted a letter to the bureaus requesting an investigation into inaccuracies on my credit report associated with this account. TransUnion responded, stating they conducted an investigation and verified the account ; however, XXXX and XXXX failed to respond. 

In a follow-up letter, I once again highlighted the inaccuracies I observed, yet the account was verified once more. I am perplexed by how this account could be verified when it contains several significant inaccuracies. Notably, the account is reporting as past due despite being a charged-off account. My understanding is that charged-off accounts should not be reported as past due. Additionally, the account appears to be illegally re-aging itself each month, and the reported date of last activity is incorrect. 

I reached out to XXXX XXXX directly, and the letter I received from them contradicts the information reflected on my credit report. This inconsistency raises concerns about the accuracy and completeness of the information being reported. 

Furthermore, I have learned that all three bureaus are currently facing lawsuits and investigations for failing to conduct proper investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Under the FCRA, it is the responsibility of the credit bureaus to report complete and accurate information. 

In light of these issues, I have also filed a report with the Federal Trade Commission ( FTC ) regarding potential fraud and the deliberate reporting of inaccurate information by these bureaus. 

I kindly request that the CFPB look into this matter and provide guidance on how I can ensure that my rights are upheld and my credit report accurately reflects my financial history. Your assistance in addressing this issue would be greatly appreciated. 

I will attach the letter from XXXX XXXX & all of my correspondence with the bureaus to this letter. 

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

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

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: Early Warning Services, LLC
State: MI

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 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

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 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: 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: MD

Complaint narrative:
I want reported/disputed accounts removed ( XXXX XXXX -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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( requested this be removed because its not my account ), 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. XXXX XXXX XXXX began accessing my consumer report on XXXX XXXX XXXX for an amount of {$430.00}.

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: LA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX Price Pl XXXX XXXX, LA XXXX ( XXXX ), ( XX/XX/XXXX ), I am submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) regarding Experian XXXX specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Experian is legally required to complete this action within four business days of receiving this complaint. 
*Fraudulent Accounts to be Removed : * 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 XXXXThe accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my XXXX credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commissions, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: 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 O seek 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: Experian Information Solutions Inc.
State: DC

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 closed out, 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 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
( CFPB ) has recently filed a lawsuit against XXXX, & Equifax, XXXX 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 XXXX XXXX has XXXX 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 Equifax XXXX XXXX 's XXXX inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX - Late Payment Removal, Account Paid In XXXX CLOSED and should be Current XXXX - Account Removal Unauthorized Account

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing.

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: 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 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 XXXX XXXX ( 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: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am disputing the collection account with SANTANDER account number XXXX dated XX/XX/2021, with a balance of $ XXXX account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief