vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am here 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 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 2025-01-24 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed account XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX number XXXX Collections accounts I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. Removal or correction of the inaccurate information. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. Sincerely,

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please see below letter to Citi Customer Service - Subject : Fraudulent Charge Dispute Citi XXXX XXXX Account Ending in XXXX Dear Citi Customer Service, I am writing to formally dispute a fraudulent charge on my Citi XXXX XXXX  account ending in XXXX. I noticed this unauthorized charge on my statement dated XX/XX/XXXXXXXX  and want to ensure this issue is resolved promptly. 

Fraudulent Charge Details : Merchant Name : XXXX XXXX XXXX XXXX CAN Transaction Date : XX/XX/XXXX Charge Amount : {$1300.00} This charge was not authorized by me or any authorized users on my account. I have no prior relationship with this merchant and did not make or benefit from this transaction. I have proactively taken steps to secure my account, including reporting this matter to your fraud department on XX/XX/XXXX. Despite my efforts, the issue remains unresolved after eight follow-up calls. My most recent calls were on XX/XX/XXXX, and XX/XX/XXXX. 

During these conversations, I was informed that while the charge is noted as disputed, representatives are unable to process the dispute because the transaction was associated with a previous card number. This explanation is both confusing and frustrating, as I had expected Citi to provide a resolution regardless of the card 's status, given the fraudulent nature of the charge. 

Under the Fair Credit Billing Act ( FCBA ), I request that Citi : 1. Investigate and reverse the fraudulent charge.

2. Confirm in writing that my liability is limited to {$50.00} or waived entirely, as required by law.

If further information is needed, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your immediate attention to this matter. I look forward to resolving this promptly. 

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 monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report.

As evidence of this claim, I am providing proof of my involvement in the Equifax data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim.

Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter.

To following information on my credit report is the result of identity theft and should be blocked : 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  Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Following the advice provided by BMO in my initial complaint ( response attached ), I submitted all the required documents to the email address provided on XX/XX/XXXX. To follow up on the matter, I attempted to call BMO on XX/XX/XXXX, but the phone number given turned out to be for a different bank. The agent I spoke to connected me to BMO, where I was eventually transferred to two different agents. 

The first agent redirected me to the Business Banking department, where I encountered extremely poor customer service. The agent I spoke with was dismissive and rude, refusing to let me explain my situation or escalate my concern to a supervisor. Instead, she insisted that I visit a branch in person, stating, " I do this every day, '' in a tone that felt condescending and unhelpful. 

This level of service is unacceptable, especially considering the seriousness of the issue. My funds, amounting to over {$130000.00}, have been stuck for over a year, and this lack of proper support only exacerbates my frustration. I expect BMO to handle this matter with urgency and professionalism moving forward.

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 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: VA

Complaint narrative:
I traded my vehicle that was financed through Southeast Toyota financial on XX/XX/XXXX. The pay off check sent from the dealership I bought my new vehicle from was sent with an overage and Southeast Toyota received the check and closed my account. They have claimed they have sent this overage check owed to me multiple times and I have not received it. I was told multiple times that the only way this bank could send a check was standard USPS. I was told first hurricane XXXX was the reason I didnt receive the check. I requested a new one 30 days later. Then when that check didnt come, I was told that the post office must be holding it. I contacted my local post office and they had not received the check via mail from the bank. Upon multiple other requests for checks, I have been fed excuses that weather, holidays, etc have kept me from receiving it. Last week I was told the check would be pulled by a supervisor and I would have a tracking number within a couple days. It has been a week and the check hasnt been pulled and I do not have a tracking number. They told me another week. This bank has been collecting interest on my money from an account that was closed on XX/XX/XXXX. They continue to not issue me my money in a timely manner and give me excuses as they collect interest on an overage that is owed to me. As of today XX/XX/XXXX, I have still not received a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I received Cash App cards in the mail XX/XX/XXXX. I called customer service and stated I never opened a cash app account. Cash app told me to take pictures of the cards and send the pictures through email to them and they ( cash app ) would handle the account info. Now being XX/XX/XXXXXXXX  I received a 1099-k form from the IRS to pay taxes on {$5500.00} so, I called cash app to see why I was receiving this irs form and they told me they couldnt do anything and go to Identitythreft.com and make a report? They couldnt give me any account information or transactions history. They said when I called in XX/XX/XXXXXXXX  the cards were shut off and the account was closed but on the irs form it states the transactions were done in XX/XX/XXXX they still had the fraudulent account opened if transactions were still being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I converted my virtual currency ( bitcoin ) to cash a couple of weeks ago - when I try to withdraw back to the bank institution I can not - there is a step I am missing but at this point only God seems to know that step and sadly he is not sharing. Every time over the past 2 weeks when I access their ( coinbase.com ) help center you can only speak to an ill informed chatbot or put your phone number into a queue and wait HOURS for them to call you. When they do call they tell you they are experiencing a large volume of calls ( every day for 2 solid weeks ) and the wait time is 1 hour, 5 hours later you are still on hold. The chat bot also puts you on hold. I just want my money in MY account NOT with coinbase.com.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 2025-01-24 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 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 explanation
Consumer complaint received 2025-01-24 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 filed a dispute on XXXX XXXX XXXX  Account XXXX due to destroys to someone else Experience denied a follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against a company Experican they alleged the company of accepting unreliable information failure to notify the customers dispute results. This aligns well with my situation. Experian has not attempted to remove nor correct any information. I'm requesting this derogatory remark he removed or corrected immediately as it is affecting my chance of getting the house a car experience violated my rights as a customer as well as a federal law.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information. Specifically, under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report and expect it to be corrected or removed after a reasonable investigation. My address is XXXX XXXX XXXX, XXXX, CT XXXX have not lived in any of the following addresses in over 10 years and some of these addresses I do not recognize. 

Addresses : 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 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 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 XXXX XXXX XXXX XXXX The addresses and phone numbers listed above are no longer associated with me and are not relevant to my current credit profile. 
I have already sent a copy of my government-issued ID and proof of my current address for your reference.

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