vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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 to fulfill legal obligation under the fair credit reporting 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 has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience where Experian has neither corrected nor remove disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian violates federal law 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently reviewed my credit report on XX/XX/XXXX, and identified several hard inquiries that appear to lack a permissible purpose under the law. I have attached evidence to support my findings. XXXX. XXXX XXXX 's XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX 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 explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
Experian 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 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 of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor 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 inaction violates 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 2025-01-23 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX CXXXXe XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX CXXXXe XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
sending wrong money to people. People having similar emails as other people to gain the Zelle momey

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 air resolution requirements under the Electronic Funds 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
XXXX Banks holding funds 90 days after closing account illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-23 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial protection Act ( CFPA ). 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
At the beginning of XXXX we wanted to pay off our Capital One credit card. 
We made a handful of large payments and a few smaller payments. 
XXXX large payment and XXXX smaller payments processed fine and cleared. XXXX large payment was returned. No record of a return or attempted payment from my back account. I was told by the Capital One credit card it was returned because of abnormal payment habits. I was charged interest on the account because that payment was returned. Days later I attempted another payment and it processed just fine from the same bank account to the Capital One credit card. 
After that payment processed fine I went ahead to pay off the card. I wasnt aware that my bank account information had been deleted from the app. The Capital One credit card deleted the bank account. So the payment defaulted to another card for payment. That did NOT have the funds to make such a large payment. I never would have selected that card to pay. 
So. That payment was returned. 
Then my account was locked down and closed. No warning that this was happening. No communication stating that a returned payment would result in account closure. All of these return payments were completely out of my control. 
When I contacted my bank today I was made aware that my routing number had changed. My bank could not explain why some payments processed fine from Capital One and others were returned with no record on their end. Not one time during any phone call with the Capital One credit card customer service ( there were many ) did they tell me the payments were returned because of bank account error. As some of the payments went through FINE! Then randomly the payments that would pay off the credit card, suddenly were returned. 
Contacted the Capital One credit card today and not only is my account closed but I have forfeited all of my EARNED rewards. I have lost over {$450.00} all because I was trying to pay the Capital One credit card off! 
I feel like these payments were returned purposely to charge me interest. Over {$140.00} in interest after that payment was returned. Then deleting my bank resulted in another returned payment. Which resulted in a closed account. We have never missed a payment. Have never had any account problems prior to trying to pay off the Capital One credit card this month. 
So if they do this to XXXX accounts thats {$45000.00} they make with no strings attached. This has got to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
General Law Enforcement and Other Government Agency Requests Information for Law Enforcement and Other Government Agencies These guidelines are for law enforcement and other government agencies seeking records from Block , Inc. ( formerly known as Square, Inc. ) and Square Capital , LLC.

Requests For User Information In accordance with our Privacy Notice and Terms of Service, non-public information about you is not released except as lawfully required by appropriate legal process such as a valid subpoena, search warrant, court order, or other valid legal process etc. Upon receipt of appropriate legal process, we will search for and disclose data and information that is specified and which we are reasonably able to locate and retrieve. We are unable to process overly broad or vague requests. Please include as much specific information as possible that would identify the relevant Square accounts and transactions. Learn more about the Square Reader or Squares Information Collection Policies.

Contact Information For Law Enforcement Law enforcement and other government agencies may submit requests by using this request form. ( Recommended Browsers : XXXX, XXXX, XXXX, and XXXX XXXX ). Please note that acceptance of legal process by any of these means is for convenience and does not waive any objections, including, but not limited to, lack of jurisdiction or proper service. Currently our minimum response time is 60 days from receipt of legal process. Please use our request form above to assist with the production of timely responses. Submissions received by mail result in inherent delays and additional processing time. If serving a legal process by mail please serve us via our national registered agent. 

Block , Inc . 

Attn : Law Enforcement Response Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please note that Block , Inc. ( formerly known as Square, Inc. ) and Square Capital , LLC, do not accept service via email. 

Important Note : Effective XX/XX/year>, Block, Inc. ( formerly known as Square, Inc. ) will no longer accept legal process served to Square , Inc. 

Important note : We do not respond to correspondence sent by non-law enforcement/ government agencies to the addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
TransUnion falsely misleading in investigating the claims Verified information accounts were not done TransUnion inaccurately reporting In violation of fair credit reporting

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 2025-01-23 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 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 finding 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 2025-01-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2024 I noticed an unexpected charge for {$1400.00} from XXXX XXXX XXXX in my checking account with USAA. I did not recognize this charge nor did my wife. I immediately called USAA to halt the charge. I could not find a website for this merchant as there are dozens of that name who all sell nothing anybody in my house would conceivably want so I could not call them to stop any order. About XXXX week later nearly XXXX boxes of larger sized diapers showed up at my house. I was able to identify who actually shipped them from the shipping label and was able to negotiate the materials to be returned to the merchant. The boxes were picked up by XXXX in XXXX and are not in my possession. USAA denied my initial claim, and then I submitted appeal evidence in the form of the email chain showing the merchandise was returned. My appeal with the evidence of the merchant taking the goods back was also denied so I am still out {$1400.00}. I am contacting the merchant to see if they will issue a refund but I do not expect a timely response from them. I am ending a XXXX year relationship with USAA over this poor service.

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 2025-01-23 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:
I disputed inaccuracies on my credit report with Experian regarding the XXXX XXXX XXXX XXXXD ( Account # : ... XXXX ). Despite providing supporting evidence, Experian failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) and violated several of its obligations under the law. Specifically : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 1681i ( a ) ) : Experian did not adequately address my dispute or verify the accuracy of the information reported.

Failure to Provide Relevant Information to Furnishers ( FCRA Section 1681i ( a ) ( 2 ) ) : Experian did not forward the supporting documents I submitted to the data furnisher.

Failure to Assure Maximum Possible Accuracy ( FCRA Section 1681e ( b ) ) : Experian failed to ensure the information on my credit report was accurate.

Failure to Provide Clear Dispute Results ( FCRA Section 1681i ( a ) ( 6 ) ) : The results letter I received was ambiguous, leaving me uncertain about the outcome of the dispute.

These actions are consistent with the allegations in the recent CFPB lawsuit against Experian ( XXXX XXXX. XXXX ). The lawsuit details systemic failures, including ignoring consumer-provided evidence, mischaracterizing disputes, and over-relying on furnishers ' responses without independent verification. These practices violate both the FCRA and the Consumer Financial Protection Act ( CFPA ). Experians actions have caused harm to my creditworthiness and financial stability.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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