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: NV

Complaint narrative:
On XX/XX/XXXX, XXXX XXXXXXXX issued an order against Block, Inc. ( Block ), a nonbank headquartered in XXXX, California which operates Cash App, a mobile payments application through which consumers can send and receive money through peer-to-peer transfers. XXXX  XXXX found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). XXXX  XXXX also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. XXXX XXXXXXXX further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, XXXX  XXXX found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. XXXX XXXXXXXX also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties.

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: MI

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 XXXX hours stating the account is accurate with out providing any evidence of as through investigation. This practice violates the fair credit reporting act ( FCRA ), 15 u.s.c ,1681 I of disputes. Furthermore Equifax 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.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  I Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXX 2023

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
An unauthorized transaction was made to my chime account on XX/XX/year>. I contacted chime regarding the charge and they reported the card lost and stolen and provided me with a virtual card while the replacement card come. I filed a dispute XX/XX/XXXX and today is XXXX XXXX and I yet to receive a refund regarding the unauthorized charge. I spoke to over XXXX reps an a supervisor and all of them stated that I will have a credit/rebuttal back to my account before or on XXXX XXXX. Every time it gets closer to the time frame the refund is supposed to come my dispute gets closed and I have to file a new one pushing the time frame back. I have filed over XXXX disputes regarding the same unauthorized transaction that was made and I have yet to receive my money. Everything I call they apologize and say its nothing they can do. I have never had this problem at a XXXX XXXX. I just want my money to my card

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: CA

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Reporting credit Act ( fcra ) to conduct a reasonable reinvestigation 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 furnishers accepting unreliable responses, and failing to adequately notify consumers despite outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law nd 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 2025-01-21 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: SC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report.However despite my submission XXXX responds within a couple days stating that account is accurate without providing any evidence after the investigation.This is truly in violation the Fair Credit Reporting ( FCRA ), 15 U.S.C 1681iwhich mandates a reasonable investigation of disputes .Furthermore Experian actions may also contravene with 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 am requesting for CFPB to take action and ensure XXXX complies with the federal law and provide consumer with proper complete and 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: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against cashapp ( block , inc ) due to unfair customer service and unfair practices which violate the CFPA. Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer and Regulation E. These actions have caused significant inconvenience and financial loss. 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 fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Dear CFPB Representative, My name is XXXX XXXX XXXX, and I am writing to report ongoing issues of identity theft and financial fraud that have significantly impacted my personal and financial life. Despite my efforts to address this matter over the past XXXX years, I continue to experience fraudulent activity and systemic failures that have left me in a state of financial instability. 

This nightmare began in 2022, when I became aware of discrepancies on my credit reports and breaches of my personal data, including the XXXX breach. Over time, I discovered that accounts were being fraudulently opened in my name, and I suspect that unauthorized financial transactions were made without my knowledge. 

Some of the major issues include : XXXX. Student Loans Taken Out Fraudulently : I recently discovered that student loans were taken out in my name, but I am unsure of their origin or legitimacy. I did not authorize these loans and have no knowledge of the details. 
XXXX. Homeownership and Mortgage Issues : I am uncertain whether I truly own my home due to fraudulent activity. I have discovered that home loans may have been sold or transferred without my knowledge, and I have not received proper documentation or communication regarding these transactions. 
XXXX. Continuous Financial Fraud : Unauthorized accounts have been opened with financial institutions, including banks and credit card companies, and my personal information has been exploited repeatedly. This has affected my ability to secure employment, access financial services, and regain control over my financial records. 

In addition to these issues, I have reported the fraud to various entities, including credit bureaus, local law enforcement, the FBI, and other agencies. I have also placed credit freezes and monitored my accounts regularly, yet no meaningful resolution has been achieved. 

The emotional, financial, and psychological toll this situation has taken on my children and me is immeasurable. We have endured countless hardships due to the failure of institutions and systems to address and resolve these issues. 

I am requesting your offices assistance in : XXXX. Investigating the fraudulent student loans and rectifying my credit reports. 
XXXX. Determining the status of my homeownership and ensuring all mortgage transactions are legitimate. 
XXXX. Advocating for stronger protections and accountability from the institutions involved in mishandling my personal information. 

Please let me know if you require additional documentation or details to support my case. I am willing to cooperate fully to resolve these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone : XXXX Email : 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Dear CFPB Representative, My name is XXXX XXXX XXXX, and I am writing to report ongoing issues of identity theft and financial fraud that have significantly impacted my personal and financial life. Despite my efforts to address this matter over the past XXXX years, I continue to experience fraudulent activity and systemic failures that have left me in a state of financial instability. 

This nightmare began in 2022, when I became aware of discrepancies on my credit reports and breaches of my personal data, including the Equifax breach. Over time, I discovered that accounts were being fraudulently opened in my name, and I suspect that unauthorized financial transactions were made without my knowledge. 

Some of the major issues include : XXXX. Student Loans Taken Out Fraudulently : I recently discovered that student loans were taken out in my name, but I am unsure of their origin or legitimacy. I did not authorize these loans and have no knowledge of the details. 
XXXX. Homeownership and Mortgage Issues : I am uncertain whether I truly own my home due to fraudulent activity. I have discovered that home loans may have been sold or transferred without my knowledge, and I have not received proper documentation or communication regarding these transactions. 
XXXX. Continuous Financial Fraud : Unauthorized accounts have been opened with financial institutions, including banks and credit card companies, and my personal information has been exploited repeatedly. This has affected my ability to secure employment, access financial services, and regain control over my financial records. 

In addition to these issues, I have reported the fraud to various entities, including credit bureaus, local law enforcement, the FBI, and other agencies. I have also placed credit freezes and monitored my accounts regularly, yet no meaningful resolution has been achieved. 

The emotional, financial, and psychological toll this situation has taken on my children and me is immeasurable. We have endured countless hardships due to the failure of institutions and systems to address and resolve these issues. 

I am requesting your offices assistance in : XXXX. Investigating the fraudulent student loans and rectifying my credit reports. 
XXXX. Determining the status of my homeownership and ensuring all mortgage transactions are legitimate. 
XXXX. Advocating for stronger protections and accountability from the institutions involved in mishandling my personal information. 

Please let me know if you require additional documentation or details to support my case. I am willing to cooperate fully to resolve these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america XXXX XXXX XXXX app ( XXXX XXXX  ) All companies refused to assist with cashing of check from my student account.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When reviewing my credit report, I noticed that I was attributed payment responsibility for an account with XXXX XXXX XXXX ( an installment loan account ) in which I was never registered as a co-signer nor directly involved. This erroneous information negatively impacts my credit score and creates an inaccurate representation of my financial history. Consumer Reporting Agencies have the obligation to ensure that all reported information is accurate and verifiable. In this case, I believe there has been an error in associating this account with my credit history, as there is no documentation to support any legal connection between me and this account. Additionally, my report indicates that payments on this account were late. However, I was never involved with or had control over this account, and therefore, I can not be held responsible for any late payments. If there is evidence to the contrary, I request that clear and verifiable documentation be provided to support such a claim.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-21 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: FL

Complaint narrative:
I've been getting random withdraw transaction I tried to talk to cash app to see what was going on they was not being helpful I had lost money and ended up being locked out of my cash app account.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act, the list of accounts have violated my consumer rights. 15 USC 1681c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2024, my Capital One credit card account was unexpectedly closed. Throughout my entire history with the account, I have never missed a payment and have always paid on time. After receiving no prior notice or explanation, I called customer service to inquire about the issue. They informed me that they required my ID number to resolve the situation. I promptly sent over a copy of my drivers license the same day. However, I was told their email system could take weeks to process such documents.

Two weeks later, I followed up to check on the status and was told that, in addition to my ID, they now needed my Social Security number. At this point, I was extremely frustrated and confused. My immediate thought was : How could they have opened my account and approved me for a credit card without already having this critical information? Regardless, I complied and sent over my Social Security card, but this dragged on for weeks without any resolution. 

During this period, my account remained closed, and I was unable to transfer my balance to another card or take any other action. To make matters worse, as I attempted to make my minimum payments, I noticed they were essentially being eaten up by interest charges. When I called to follow up on the status of reopening my account, the representatives seemed clueless about the process, offering no clarity or solutionsother than demanding payment. While I understand the need to pay what I owe, I find it unreasonable and unfair to be forced to pay on an account that was closed without explanation, one in which I can not even transfer balances.

This is the first time Ive encountered such treatment, and frankly, I feel like something underhanded might be happening behind the scenes. The closure of my account is now negatively impacting my credit score, which had been a solid XXXX and has since dropped to XXXX. That drop is not only disheartening but also very concerning, as Ive worked hard to maintain a good credit score. If theres any advice or assistance available regarding how to address this situation, I would be incredibly grateful for the guidance.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$280.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$650.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief