vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Charge-Off Reporting for Account with XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute an error on my credit report related to an account with XXXX XXXX XXXX XXXX Account Number : XXXX ). According to my credit report, this account has been reported as charged off with a balance of {$450.00} past due as of XX/XX/scrub>XXXX XXXX. Additionally, the payment history reflects a charge-off status across several months. 

I believe this information is inaccurate for the following reason. The account was settled The balance shown is incorrect or This charge-off status is being reported incorrectly for multiple months. 

I request that XXXX investigate this matter with XXXX XXXX XXXX  and verify the accuracy of the reported information. Please provide evidence supporting the charge-off or correct the information on my credit report to reflect the accurate status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and provide me with the results. If the information can not be verified or is found to be inaccurate, I request that the disputed information be corrected or removed from my credit report promptly. 

Please confirm receipt of this letter and notify me once the dispute has been resolved. You may contact me directly at XXXX if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
To begin, Capital One I filed a dispute in XXXX due to being scammed by a fraudulent company. On XXXX XXXX I received a denial of my dispute, and the XXXX credit for XXXX was reversed. Upon filing the dispute they on took basic information and advised me that if they needed documentation they would contact me. Before denying my claim no documentation was provided to support my case. I requested to reopen the claim and provide proof of my claim and being scammed. I emailed all documentation on XX/XX/XXXX XXXX on XX/XX/XXXX my claim was denied due to no supporting documentation. I spoke a a supervisor and he accused me of the issue is on my end. I again forwarded proof of my emails. On XX/XX/XXXX again. Per a email I received from the dispute department they said a reversal of the XXXX credit of XXXX will be done on XX/XX/XXXX. And this is when that was done and it put me in the negative. Not only that due to the nationwide outage I was not paid and my bill payments declined. No could I pay my rent that was a promise to pay. I also file a complaint with Capital One XXXX on XX/XX/XXXX. Have not heard back.

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: MN

Complaint narrative:
I am filing a complaint against Cash App ( BlockKhc. ) 40e to equa 10 ) 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 0:3 as untair and deceptive, as they did nor '' 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: MN

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 has 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 consumer 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 consumers saftey

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX, XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 





In accordance with the Fair Credit Reporting act these items are incorrect on my consumer report such as a credit card from receivable management opened XXXX in collections, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXX XXXX XXXX account # XXXX, Two credit cards under first progress account # XXXX, a hard inquiry from XXXX  XXXX on XX/XX/year>, a hard inquiry from Experian business credit on XXXX, a hard inquiry from revvi/mrvbanks/vt on XXXX, a hard inquiry from XXXX XXXX on XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint regarding American Express. They continue to report inaccurate information about my account to the credit bureaus. 

Account Information : - Account Name : XXXX XXXX - Account Number : ending in XXXX - Date Account Was Closed : XXXX Issue : American Express is reporting this account as a charge-off, They are doing this multiple months in the year XXXX and now continuing in XXXX. However, despite the account already being charged off, American Express continues to report the account as a charge-off every month. This is inaccurate and has negatively affected my credit score. 

Despite their lawyers sending me a NOTICE OF VOLUNTARY DISMISSAL letter, confirming that they have dismissed their lawsuit against me, American Express continues to report my account as a new charge-off to my credit every month. 

This is inaccurate and unfair, as the lawsuit has been dismissed and I am no longer liable for the debt. I have attached a copy of the NOTICE OF VOLUNTARY DISMISSAL letter, which confirms the dismissal of the lawsuit. 

I request that you investigate this matter and take the necessary steps to : 1. Correct American Express 's inaccurate credit reporting 2. Remove the charge-off from my credit reports with XXXX, XXXX, and XXXX I would appreciate your help in resolving this issue and ensuring that my credit reports accurately reflect the dismissal of the lawsuit.

Thank you for your attention to this matter.

I have tried to contact American Express to resolve this issue, but they have failed to correct the error. I am demanding that American Express update the account status to reflect that it has already been charged off and is no longer being reported as a new charge-off each month.

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 missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used my Bank of America card for a payment for product, I repeatedly sent and email to that company stating i could not track my package with the confirmation they sent me because it says it does not exist, even though they sent me a confirmation code after i paid. Well after a month of not getting my product i filed a claim with Bank of America and they temporarily refunded my account, after the investigation they concluded that the merchant was correct and they took the money out even though i still never got the product.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: 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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate 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 consumers 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting All incorrect personal information listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the information was valid and updated on my report which is inaccurate and a violation of my rights.

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: 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 sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting All incorrect personal information listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the information was valid and updated on my report which is inaccurate and a violation of my rights.

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: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights serious shortcomings within the platform. Despite my frequent use of Zelle and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible.

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: Fraud or scam — 
Company: Revolut Technologies Inc.
State: TX

Complaint narrative:
I had an issue where I was scammed on XXXX, I was messaged by someone who supposedly placed an order then after that they messaged me about an issue with the order. Also they sent this link to verify my back information and I did include my information because I thought it was legit and it was through XXXX. Im new to XXXX so I did not think it was a scam. After clicking on the link and attempting to verify my bank info an agent from the support chat stated I need to state how much I had on my account which was {$260.00} at the time. After doing that the agent stated they needed to do a security hold of {$260.00}. Also they said because of the type of bank I have I would need to send money to Revolut in order to verify I have a balance. So after I did all that they took the money out my account and I approved it only because I thought it was for verification and my lack of knowledge of scams, I proceeded to chat the agent through the link provided about how long the hold will be and was told I needed {$300.00} to get my money back. Thats when I realized it had to be a scam and reported the dispute with XXXX which they denied and refuse to cancel pending transaction. I have photo proof of the message and scammer and they refused to look into it with the information I provided.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: MI

Complaint narrative:
I m 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: 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 it's legal obligation within fair credit reporting act to conduct a reasonable re investigation 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 furnisher 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 dispite the evidence provided causing a ongoing harm to my credit standing, I am requesting immediate corrective actions to remove or amend the disputed accounts as Experian inaction violations 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am 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