vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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 filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. 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 on or resolution requirements under the electric fund transfer act and regulation E. These activities 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 2025-01-21 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: IL

Complaint narrative:
My identity was involved in a data breach Which has affected my credit report

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: CA

Complaint narrative:
XXXX XXXX I didnt apply for credit card.thats not even my address and wrong state. I dont how this came back verified but this needs to be investigated again. Not my correct address or telephone number. I have freeze on my credit as a result of this. And wrong telephone number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore Equifax actions XXXX also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX 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 2025-01-21 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: IL

Complaint narrative:
My identity was involved in a data breach Which has affected my credit report

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 2025-01-21 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: IL

Complaint narrative:
My identity was involved in a data breach Which has affected my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 2025-01-21 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 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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am filing this complaint because BMW and the 3 Credit Bureaus have violated several of my rights under FCRA XXXX ( Inaccurate Reporting ) FCRA XXXX ( Willful Noncompliance ) - FCRA XXXX ( Failure to Investigate Accurately ) - Additional violations : Chain of Title issues, proof of securitization, lack of verification, first date of delinquency, last payment amount, and written consent. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete reporting of my credit information. This contain inaccuracies, including unverified late payments, and non-permissible purpose Statement of Fact - Permissible Purpose & FCRA Section XXXX ( b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the law mandates that a consumer reporting agency shall block and delete information resulting from identity theft within XXXX business days, provided the information meets the requirements. I request the immediate removal of the following accounts during your investigation. Any attempt to rescind or stall my request to block this information, or any response stating a rescind clause under FCRA XXXX ( b ), will be seen as evidence of willful non-compliance with the FCRA. 

Further Discrepancies - Late Payments : I have identified late payments that have not been fully verified as required by XXXX XXXX compliance standards. Failure to provide this specific documentation renders these late payments unverifiable. As such, they must be removed from my credit report, as they do not meet the requirements under FCRA for accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
Dear CPS, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. This inquiry, initiated by CPS Financial, was made without my informed consent and resulted from misleading advertising regarding credit card or loan approval. 

The details of the inquiry are as follows : Creditor/Company Name : CPS Financial Date of Inquiry : XX/XX/year> I was led to believe, through false or misleading advertising, that I was pre-approved or highly likely to be approved for a financial product. However, upon applying, my credit was subjected to a hard inquiry without my explicit authorization, and the application was denied. This practice violates the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries can only be conducted with the consumers explicit consent. 

I kindly request that you remove the unauthorized hard inquiry from my credit report. 
I request its immediate removal from my credit report. 

Please provide me with the results of your investigation in writing within the 30-day period required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: DE

Complaint narrative:
i am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hour stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates fair credit reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. furthermore, Equifax action may also contravene the Consumer Financial Act ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 2025-01-21 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 agaisnt 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 measure to prevent 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 2025-01-21 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
In XXXX of 2024, I refinanced my auto loan with Ally Financial ( " Ally '' ) through my local bank ( XXXX XXXX ) for a lower interest rate. I received an email on XX/XX/year> from Ally congratulating me for paying off my loan and stating that my title/lien shoulXXXX XXXX XXXXeleased on XX/XX/year>. Then on XX/XX/year> I received an email from Ally stating that they had mailed me my lien release letter, and that I should receive the letter in 10 business days. However, instead if a lien release letter, I received a pay-off letter. When I called Ally to inquire about the lien release letter, I was told that my bank had to request the lien release letter since they were the ones who paid off the loan. So I called my bank 's loan officer and told her what Ally told me, and she then went on to place multiple requests over the course of several months for the lien release letter. However, neither XXXX XXXX XXXX headquarters nor the local branch had ever received the lien release letter, despite being told repeatedly that the letter had been mailed and/or faxed. I eventually got involved again in XXXX. Since then, I have called numerous times about this issue and have placed multiple requests for the lien release letter. Each time I was promised I would receive the letter by fax and mail, but I would either not receive the letter or I would receive the payoff letter. Again, the Secretary of State will not switch the lien holder on my title without the lien release letter. They will not accept the payoff letter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I recently discovered a collection agency item from XXXX XXXX for {$240.00} on my XXXX and Equifax credit reports. This collection agency item is not mine and is the result of identity theft. There are also multiple hard inquires from XXXX XXXX, XXXX and XXXX on all my credit reports. These are inquires as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I recently discovered a collection agency item from XXXX XXXX for {$240.00} on my XXXX and XXXX credit reports. This collection agency item is not mine and is the result of identity theft. There are also multiple hard inquires from XXXX XXXX, XXXX and XXXX on all my credit reports. These are inquires as a result of identity theft.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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.

Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error 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 signifcant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> {$250.00} XXXX XX/XX/year> {$150.00} XXXX XX/XX/year> {$120.00} XXXX For company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
am writing to formally dispute charges on my account for services that were not performed. I engaged Lexington Law to provide credit repair services, but upon reviewing my records, I have found that I was charged for work that was either incomplete or not performed at all. 
The specific issues I have encountered include the following : I was charged [ list the amount ( s ) ] on [ date ( s ) ], but I did not receive evidence of any disputes, removals, or other actions taken on my behalf during that time. 
Customer service has not provided adequate explanations or proof of the work performed, despite my repeated requests. 
As a paying customer, I expect transparency and fulfillment of the services for which I am billed. This situation is both frustrating and unacceptable. 
To resolve this issue, I request the following : A detailed itemization of all charges to my account and corresponding documentation of the work performed. 
An immediate refund of any charges for services that were not provided. 
Written confirmation that my account has been corrected and any unauthorized charges removed.I kindly ask that this matter be addressed promptly. If this issue is not resolved within 15 days, I may escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) or my state attorney general 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America on XX/XX/scrub>XXXX XXXX XXXX, on or around XXXX XXXX XXXX. I spoke to a female agent named XXXX. She was rude and had an unprofessional tone of voice. She then placed me on hold while I was still speaking. I never used profanity. This is inappropriate. In addition, I have the phone call recorded as evidence.

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 2025-01-21 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: AZ

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) issued an Order against Equifax signed on XXXX requiring the company to pay a {$15.00} XXXX civil money penalty for its failure to conduct proper investigations of consumer disputes. This failure directly aligns with my experience, where Equifax has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. The account is a joint account that was deleted from the other individual 's credit report after being disputed ; however, Equifax refused to delete the SAME account from my credit report. I am therefore requesting immediate corrective action to remove the disputed account, as Equifax 's inaction grossly violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation