vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, 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 did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Im tng a complaint against casn 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 resolutions 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 losses and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After a thorough review of my credit profile its multiple outdated information on my credit profile. 
My address should only be XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All others need to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 am writing to formally file a complaint regarding the investigation of an account reported by Experian on my credit report. The account in question is inaccurate and is from a third-party collection agency. Despite disputing this information with the credit reporting agency ( Experian ), the item remains on my credit profile. 

XXXX XXXX XXXX and Experian has failed to provide adequate documentation to validate the accuracy and ownership of this debt, yet Experian has stated that the information was certified as accurate by the reporting company. This raises concerns about the thoroughness of Experian 's investigation and compliance with the Fair Credit Reporting Act ( FCRA ), which requires both the XXXX XXXX XXXX and the furnisher of the information to ensure the accuracy of reported items. 

This unresolved and inaccurate reporting has caused undue harm to my credit profile and financial standing. I am requesting that the CFPB intervene and require : XXXX XXXX XXXX to provide full and verifiable documentation supporting the accuracy of the account they reported, including proof of debt ownership and validation. 
Experian to conduct a proper reinvestigation into this matter, ensuring compliance with the FCRA. 
The removal of this inaccurate item from my credit report if XXXX XXXX XXXX and Experian is unable to provide proper validation. 
I appreciate your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. Please let me know if additional information or documentation is required. 
This is regarding to account number 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 2025-01-19 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:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
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 ( CFBA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX for XXXX and Non-compliance 15 USC 1681o Dear Equifax, I hope this letter finds you well. I am writing to address a matter of considerable importance that falls under the subject of civil liability for negligence and non-compliance, specifically concerning the matter outlined under case number 15 USC 1681o. 

Upon reviewing the circumstances surrounding this case, it has come to my attention that there have been instances of non-compliance that have raised significant concerns. It is crucial to highlight that negligence can lead to unacceptable outcomes, including potential harm to individuals and property and significant legal implications for our organization. 

As per our understanding of the situation, the CRA or credit entity violated your rights under the FCRA. This situation not only breaches our obligations but also jeopardizes the trust that stakeholders place in our organization. I believe it is imperative that we take immediate steps to address these issues, ensuring we adhere to all applicable regulations and standards. 

Moving forward, I propose that we convene a meeting to discuss our action plan for rectifying these issues. This meeting would also serve as a forum to discuss preventive measures we can implement to avoid similar situations in the future. Please let me know your available days and times, and I will ensure to arrange for this meeting at the earliest possible convenience. 

I look forward to your prompt response as we work together to resolve this matter responsibly and efficiently. This commitment to accountability and compliance is crucial to maintaining our reputation and operational integrity. 

Thank you for your attention to this serious issue. 

These are the accounts I marked as In accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I was shopping for a XXXX XXXX I have the Capital One extension on my computer to help find deals and get the best price. A popup appeared on a particular XXXX promising a XXXX XXXX discount as rewards, {$200.00} in rewards. I made the purchase with my capital one rewards using the links provided. The purchase was made XX/XX/XXXX. I was credited {$11.00} in rewards. When I inquired they stated there was a waiting period etc and that the merchant had to process something. I reached out to XXXX where I made the purchase and was told they have processed everything and the issue is not with them. They were very helpful. 
I made this purchase based on the popups that Capital One sent stating the rewards amount and final price. I have the screenshots of this. They apparently have no intention of providing these rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off account on XXXX, XXXX, and Transunion appearing on my credit report under XXXXXXXX XXXX  with account number XXXX ; XXXXXXXX XXXX  with account number XXXXXXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : 1. Reporting of a Credit Balance on a Charge-Off Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt collectors to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute. 

2. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off account on XXXX, Equifax, and XXXX appearing on my credit report under XXXXXXXX XXXX with account number XXXX ; XXXXXXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX with account number XXXX XXXX After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : 1. Reporting of a Credit Balance on a Charge-Off Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account. 

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt collectors to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute.

2. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Money was sent using XXXX and the money was sent to the wrong person. There were no notifications of assurance until later using XXXX. I did not get my money back.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I would like for the collections for 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 XXXXDepartment of Education DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  and * ( Rent Recovery Solutions Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to be take off my account with my credit bureaus according to law FCRA section 605 B its illegal to report information on my credit without my permission. Also Law 15 USC 1692C ( c ) clearly states if a consumer notifies a debt collector the consumer refuses to pay a debt collector must cease all communication. So I am asking if theses collectors can please be removed on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I would like for the collections for *Exeter finance ( XXXX XXXX XXXX XXXX, TX XXXX XXXX ), XXXX ( NCB Management Services- XXXX XXXX XXXX XXXX PA 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  ) to be take off my account with my credit bureaus according to law FCRA section 605 B its illegal to report information on my credit without my permission. Also Law 15 USC 1692C ( c ) clearly states if a consumer notifies a debt collector the consumer refuses to pay a debt collector must cease all communication. So I am asking if theses collectors can please be removed on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have lost my wallet few years ago somebody has been using my informations to open credit card account and using it. And all these numerous accounts are affecting my credit score. I need help to stop that scam which is causing a lot prejudice to my financial situation and draining me mentally and physically. I need all those negative rating from my credit report to be removed. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I got an email stating the my credit report company gave out my information. In no one tried to help me or tell what was going on

Company response to consumer: Closed with explanation