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

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 covering 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. 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 2025-01-18 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:
My payroll was uploaded on XX/XX/scrub>/2025 and I was to receive my direct deposit posted in my account by XX/XX/scrub>/2025 at the latest. My bank account is Capital One and I have yet to receive my direct deposit. I need to pay for bills and buy things that I urgently need but Im unable to.

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

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Identity theft A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information Collections : XXXX XXXX XXXX - {$850.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXXXXXX {$6300.00} Hard Inquiries : XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-18 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: CA

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Details : Failure to Investigate Disputes : On [ insert date ], I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian did not provide this description within the 15-day timeframe mandated by the FCRA. 

This lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.

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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 tracking transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams.

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: MD

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 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: 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: NY

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

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: CO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violated the customer financial protection act ( CFPA ). Specifically Cashapp failed to take timely in effective measures to prevent an 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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Formal Complaint Regarding Extended Hold and XXXX Customer Service via XXXX Bank On XX/XX/year>, I opened an account with BMO Harris Bank. At the time of opening the account, I was required to wait for a lengthy period before being properly assisted, which was frustrating and set the tone for my overall experience. On the same day, I deposited a check. I was informed that the funds would be placed on a XXXX hold, which I accepted. However, after the initial timeframe, I was notified that the hold would be extended to XXXX days, and then again to XXXX days. 
This lack of consistency and transparency has caused me significant frustration and financial hardship, as I have been unable to access my funds for essential expenses. I understand that under XXXX XXXX, banks are required to make funds available within XXXX business days, even for new accounts, with at least a partial amount released within XXXX business day. To date, no portion of my funds has been made available, and I have not received a satisfactory explanation for this extended hold. 
I have repeatedly sought assistance to resolve this issue by contacting the branch, including speaking with XXXX XXXX XXXX XXXX. Unfortunately, I was dismissed and denied meaningful assistance. The lack of customer care I experienced makes me feel undervalued, and I can not help but feel that I am being treated unfairly, potentially due to discrimination.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My experience with Wells Fargo has been frustrating and disappointing. They hit me with erroneous overdraft fees that I didnt deserve, charged me monthly fees that were supposed to be waived. It felt like they were more focused on taking advantage of their customers rather than providing the reliable banking services I expected.

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 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my issues regarding Zelle 's handing of disputes in light of the recent CFPB lawsuit highlighting issues with the banking app. I have used Zelle on numerous occasions and despite my reports of financial discrepancies, my financial institution and Zelle have continuously failed to investigate my claims. I've been informed that recovering lost funds, as well as tracking transitions was impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has allowed repeat offenders to exploit the system, leaving its users vulnerable to scams. The lack of accountability is unacceptable and raises my concerns about 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
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: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: CA

Complaint narrative:
Regional Finance is a predatory lending company that sent me a live check in the mail, XX/XX/scrub>, 2023, in the sum of {$2600.00}. This loan was designed to take advantage of the consumer with extremely high interest. Regional Finance collects as much money as possible, with interest, loan deferrals, and added on fees. I have been paying on this loan for roughly 17 months. I have paid a total of {$1900.00} on a {$2600.00} loan, Regional Finance informed me that I still have a balance due of {$2300.00}. This is not only predatorial lending, its criminal. It's unconscionable to charge a consumer almost double the original amount of a loan. I have spoken with Regional Finance about my concerns, and they suggested that I do a deferral and or refinance the loan. This would add more to the balance. I am waiting for California to bring a lawsuit against Regional Finance for predatory lending, Californians deserve better.

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: FL

Complaint narrative:
I am fling a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission to the CFPB on XX/XX/scrub>/2024 ( case number : XXXX ) and my submission to the CFPB on XX/XX/scrub>/2024 ( case number : XXXX ), Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
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: CA

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 furnishes, 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 Experian 's 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 2025-01-18 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: FL

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 Experian 's 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/scrub>, 2023 I was approached on XXXX to make a bitcoin transfer in the promise of a return of more than I sent. This went on for over a year and small denominations always promising to send it. I just made one more little payment to the tune of {$15000.00} Total and when I asked cash app to step in and help they said nothing they told me no sorry stop doing it. I have all the wallet IDs that I sent the money to plus thousands of text messages. And about crippled me financially destroyed my life.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( 2 ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I took a loan with XXXX XXXX XXXX XXXX. Defaulted on payment due to financial hardship. Debt was sold to XXXX XXXX XXXX, offered to set a payment arrangement and they didn't feel the amount I was offering to pay was enough. The account is reporting twice on my credit report causing my overall debt to income being too high. This one debt count as over {$26000.00}.

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 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the XXXX major credit bureaus [ XXXX, XXXX, XXXX ] for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed multiple third-party debt collector accounts on my credit report, as these accounts were purchased by debt collectors, and the current status, balance, and payment details are incorrect. Specifically, my credit report fails to reflect the amount paid by the debt collector, which results in incomplete and misleading information. Despite these inaccuracies, all three credit bureaus have responded by simply marking these entries as " verified '' without providing any proof or evidence of a proper investigation into my dispute. 

The information listed on my credit report regarding these collection accounts is inaccurate and misleading, which constitutes a clear violation of the FCRA. I have not received any substantiated documentation supporting the verification of these accounts. As a result, I am requesting that these inaccurate entries be removed immediately. 

I respectfully ask that the CFPB look into this matter and help ensure my rights under the FCRA are upheld. 

Thank you for your time and assistance.

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 service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 tuition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and the tracking these transactions was unfeasible the CFPB 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