vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USSA/BMA, I UNDERSTAND YOUR RESPONSE LOOK BELOW.. 

We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding your consumer loan. Records confirm you established a USAA FSB consumer loan account on XX/XX/XXXX, in the amount of {$70000.00} for a XXXX XXXX XXXX. The signed and executed Note, Disclosure, and Security Agreement ( NSDA ) disclosed a repayment period of 72 months, with fixed payments of {$1500.00}, due on the XXXX of each month, beginning on XX/XX/XXXX. There are no prepayment penalties, and the NDSA states, Consumer Loan Not for Open-End Credit at the bottom of each page. By signing the loan agreement, you agreed to the terms and conditions contained within the NDSA, including repayment within the stated and agreed upon terms. Our Bank Member Advocacy ( BMA ) staff contacted you by phone to share the aforementioned information ; however, you declined to discuss this matter and the call disconnected. BMA confirmed the consumer loan was established and handled within established policies and procedures and the terms and conditions of the NSDA. USAA FSB respects your right to obtain legal counsel and will update your profile upon notification of legal representation from an attorney. USAA FSB will continue to handle your loan in accordance with the agreed upon terms, including exercising our right to initiate collections, repossession, and adverse credit bureau reporting. While we trust this information clarifies this matter and our position, BMA remains available to assist you should you have any additional questions related to this matter. Bank Products offered by USAA Federal Savings Bank USAA/BMA will you please answer my question. My promissory note is titled " this is consumer credit transaction '' is it located directly above the finance charge, interest rate and The Truth In Lending Disclosure acknowledgment... 

1. What is a " consumer credit transaction ''? 
2. I am due a 1099 for charge off status, income is not to be report on a consumer report. 
3. Would you be kind and send me a copy of the " repossession paperwork ''. USAA IS obligated to give me such paperwork, please do so. 

PLEASE STOP BEING MEAN AND DISMISSIVE OF CONSUMER LAW. BEING DEFLECTIVE AND PERSISTENT IN AVOIDING THE QUESTION SHOWS GUILT. I have asked USSA on 8 different occasions to define " consumer credit transaction '' And you haven't answer not once, but threaten me with repossession. That not right! Its show how mean and arrogant all parties involved are. Now repossession is the ultimate get 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am buying a complaint against Cash app ( Block , Inc ) due to inadequate and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, and 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 see seek appropriate redress of 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: TX

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 ), 15 U.S.C. 16811, 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 ) ( A ) - ( B ), as highlighted in the CFPBs 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. Attached files are the accounts I marked as inaccurate.

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: WV

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 CashApp ( 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 address and prevent fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did comply with error resolution requirements under the Electronic Fund Tranfer 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 information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
THESE HARD INQUIRIES ARE FRAUDULENT AND DOESNT BELONG TO ME AND NEDD TO BE REMOVED. ALSO THE XXXX AS WEL. THANKS. 

XXXX XXXX XXXX XXXX XXXXXXXX

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: IL

Complaint narrative:
Cash app is violating the law by not having a XXXX number to call when dealing with issuss.

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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates for failing to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following outlines the situation : 1. Failure to Validate Debt Properly I sent multiple certified dispute letters to Portfolio Recovery Associates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting detailed validation of the alleged debt under 15 U.S.C. 1692g ( FDCPA ). 
Despite receiving these letters, they failed to provide the following critical documentation : Proof that I legally owe the debt to their agency. 
A full accounting and payment history of the alleged debt. 
Whether the debt was assigned or purchased, and a copy of the purchase agreement. 
Proof of their ownership of the debt. 
The original contract bearing my signature. 
Proof they are licensed and bonded to collect debt in my state. 
Their failure to provide these documents within the required 30 days violates 15 U.S.C. 1692g ( b ) of the FDCPA, which mandates proper validation upon request. 
2. Violation of FCRA Portfolio Recovery Associates continues to report this account to credit reporting agencies despite failing to validate the debt. Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information must ensure the accuracy of the information they report. Reporting unverifiable or inaccurate information constitutes a violation of this obligation. 
Additionally, their failure to investigate or remove the disputed information after receiving notice of my dispute further violates the FCRA. 
3. Responses Received Their responses to my dispute letters failed to address the critical items outlined above and were insufficient to validate the alleged debt. This inadequate response disregards legal obligations under the FDCPA and FCRA. 
4. Applicable Case Law In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the importance of providing adequate documentation to validate debt claims. 
Similarly, in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the court highlighted the necessity of accuracy and verifiability in credit reporting. 
5. Harm Experienced Their continued reporting of this unverified and inaccurate account has caused undue harm to my creditworthiness, financial standing, and peace of mind. 

Attachments : Copies of my dispute letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Their insufficient responses. 


Thank you for your assistance in resolving this matter and ensuring Portfolio Recovery Associates is held accountable for their noncompliance.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX which inaccurately list this account as collection or charge off. the report opening date XXXX Experian-XXXX XXXXXXXX XXXX XXXX - I possess no evidence of a late payment

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: 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 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 32 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: 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). The lawsuit highlights significant issues with the platform 's dispute resolution processes, which I believe warrant immediate attention and action. 


As a user of Zelle, I am troubled by the allegations of inadequate dispute resolution procedures, which can leave consumers vulnerable to financial losses and frustration. The CFPB 's lawsuit underscores the need for Zelle to reassess and improve its dispute handling practices to ensure that consumers are protected and treated fairly. 


Specifically, I urge Zelle to take the following steps : 1. Review and revise its dispute resolution procedures to ensure that they are clear, concise, and consumer-friendly. 
2. Provide consumers with timely and transparent communication regarding dispute resolution outcomes. 
3. Ensure that consumers have access to a fair and impartial appeals process. 
4. Enhance employee training to ensure that customer support representatives are equipped to handle disputes effectively and efficiently. 


I hope that Zelle will take my concerns seriously and take prompt action to address the issues highlighted in the CFPB lawsuit. I look forward to hearing about the steps Zelle will take to improve its dispute resolution processes. 


Sincerely, XXXX XXXX

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: NC

Complaint narrative:
I am filling 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 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: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 solution 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: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NC

Complaint narrative:
SO MANY TIME WOKE UP MONEY MISSING OUTER MY ACCOUNT DUE TO CASH APP EVEN IT BEEN OVER XXXX

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: Problem adding money — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Im 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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They informed me CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 2025-01-19 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:
I have an issue with Equifax properly investigating my dispute under the Fair Credit I Reporting Act. Over the past year starting XX/XX/year>, I have submitted documentation on several occasions in regards to underlying account. My ability to obtain access to credit and employment has been tremendously affected. Equifax has constantly ignored documentation/ evidence I submitted over the past year allowing previously deleted inaccuracies/misleading information to be reinserting into my credit report. The financial consequences of inaccurate information listed in my report has cause severe harm to my financial and personal well being. Every attempt to contact Equifax via phone has been unsuccessful. Each time I call, I get transferred to consumer affairs department who never answers. Please assist me in regards to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Mortgage # XXXX In XX/XX/XXXX, XXXX XXXX contacted me about refinancing my second mortgage. After providing all necessary information, including authorization to check my credit, I agreed to proceed with the application and paid a {$100.00} application fee on XX/XX/XXXX, using my credit card. XXXX XXXX explicitly assured me that this fee would be refundable if I decided to cancel the loan application or if the loan did not go through. 

Unfortunately, the service provided by PennyMac fell significantly below acceptable standards. Repeated requests for the same documents through the Dashboard, lack of clarity in communication, and inconsistent follow-ups led me to lose confidence in their ability to handle the refinance process. As a result, on XX/XX/XXXX, I emailed XXXX XXXX to withdraw my application and requested a refund of the {$100.00} application fee. 

Despite my communication and follow-ups, I have not received the promised refund. I sent another email to XXXX XXXX on XX/XX/XXXX, reminding him of my prior request and expressing my dissatisfaction with the delay. However, there has been no response or resolution from him or PennyMac. 

The lack of professionalism and failure to honor the promised refund are unacceptable. Therefore, I am seeking your assistance to address the following : Ensure PennyMac processes and refunds the {$100.00} application fee immediately. 
Hold PennyMac accountable for the poor customer service and lack of follow-through. 


I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me at XXXX or XXXX if additional information is needed.

Company response to consumer: Closed with 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: Early Warning Services, LLC
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuits 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 my funds were impossible and tracking these transactions was unreasonable.The CFCBs finding indicates that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises concerns about consumers safety.

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: Early Warning Services, LLC
State: NY

Complaint narrative:
I tried to transfer money using Zelle for {$960.00} and it was blocked by the bank and never returned, causing me major stress! I called XXXX XXXX XXXXXXXX to fix this problem, speaking to multiple departments and no luck.

Company response to consumer: Closed with explanation