vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
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: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I tried to deposit my social security disability check into my bank account mobile app and it was returned and bounced. The bank told me that the check was no good.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled my credit report and found numerous errors. These errors include closed and written off accounts as well as a data breach that included my information. I would like these errors removed immediately from my accounts to get negative items off of my 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 2025-01-19 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: NC

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 's inaction violates federal law and my rights as a consumer. 

XXXX XXXX payment in XX/XX/year> and XX/XX/year> Lies about being update and corrected and didnt XXXX XXXX says its been removed and updated yet its still on my account Addresses I ask to be removed that dont belong to me to be are yet still on my account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX and a name that dont belong to me 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
The transactions started XX/XX/XXXX to XXXX XXXX  and there was XXXX transaction sent to a person who stole my phone. I explained that if I did not receive the personal transfer it was OK, because I can probably get that resolved with local PD. But I'm a XXXX yr old female, I don't even know what XXXX is. On top of that they froze my account and I had no access since XX/XX/XXXX to present so that ruined my entire XXXX, I received a new and also they requested for to create a new email and my account is still suspended. They never even offer me provisional credit, which triggered my mental health, because my family got nothing for xmas.And doing that they still notifying me for other transactions trying to go through my account. The Worst XXXX Ever.And I filled out and sent them the claim form at least 5 times already and it keeps getting lost. I refused to fill out another claim form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally, expressed my concern with the recent disputes regarding Zelle. Dispute, particularly shedding light of the recent lawsuit with CFPB. While using Zelle, many times, and this and reporting my discrepancies, I feel that my institution has failed to adequately handle the matter. I was informed reversing lost funds was impossible, and tracking was not feasible.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I have never had any outstanding accounts with XXXX, I have never owed any payments to XXXX, I see that this is affecting my credit history and the illegality of reporting erroneous information is against the law As a lawyer specializing in financial law, I am here to inform you about the illegality of reporting erroneous information in a person 's credit history, in accordance with current legislation in the United States. 

Specifically, the reporting of inaccurate information in the credit history is regulated by the Fair Credit Reporting Act ( FCRA ), which was enacted in 1970 to promote accuracy and fairness in credit reports. According to this law, consumers have the right to have their credit reports contain only true and accurate information. 

The FCRA establishes that : The inclusion of erroneous or incomplete information in credit reports is prohibited. Consumers have the right to dispute the accuracy of any erroneous data and to have such information corrected within a reasonable time. 

Obligation to Correct : If information contained in a credit report is found to be incorrect, the information provider must correct it immediately. If a dispute arises over incorrect information, the credit agencies must investigate the dispute within 30 days.

Damages : If erroneous information is not corrected and causes harm to the consumer, the consumer is entitled to compensation for the damages incurred.

Similarly, the Code of Federal Regulations ( CFR ), in particular Title 16, Part 660 of the FCRA, establishes sanctions for companies that do not comply with the standards of accuracy in the information reported. 

In short, it is illegal to report erroneous information on a person 's credit report in the United States, and any action that violates the rights of consumers in this regard is subject to the sanctions stipulated by the Fair Credit Reporting Act. 

If you believe that incorrect information has been reported on your credit report, I suggest that you immediately contact the appropriate credit reporting agencies and exercise your right to correction under the terms established by the FCRA. 
Here is the item I am asking you to verify as accurate : XXXX account : XXXX XXXX XXXX TransUnion

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

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I have never had any outstanding accounts with XXXX, I have never owed any payments to XXXX, I see that this is affecting my credit history and the illegality of reporting erroneous information is against the law As a lawyer specializing in financial law, I am here to inform you about the illegality of reporting erroneous information in a person 's credit history, in accordance with current legislation in the United States. 

Specifically, the reporting of inaccurate information in the credit history is regulated by the Fair Credit Reporting Act ( FCRA ), which was enacted in 1970 to promote accuracy and fairness in credit reports. According to this law, consumers have the right to have their credit reports contain only true and accurate information. 

The FCRA establishes that : The inclusion of erroneous or incomplete information in credit reports is prohibited. Consumers have the right to dispute the accuracy of any erroneous data and to have such information corrected within a reasonable time. 

Obligation to Correct : If information contained in a credit report is found to be incorrect, the information provider must correct it immediately. If a dispute arises over incorrect information, the credit agencies must investigate the dispute within 30 days. 

Damages : If erroneous information is not corrected and causes harm to the consumer, the consumer is entitled to compensation for the damages incurred. 

Similarly, the Code of Federal Regulations ( CFR ), in particular Title 16, Part 660 of the FCRA, establishes sanctions for companies that do not comply with the standards of accuracy in the information reported. 

In short, it is illegal to report erroneous information on a person 's credit report in the United States, and any action that violates the rights of consumers in this regard is subject to the sanctions stipulated by the Fair Credit Reporting Act. 

If you believe that incorrect information has been reported on your credit report, I suggest that you immediately contact the appropriate credit reporting agencies and exercise your right to correction under the terms established by the FCRA. 
Here is the item I am asking you to verify as accurate : XXXX account : XXXX XXXX Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
All Monies that have been reported to be returned.

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 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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures life 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 2025-01-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

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 2025-01-19 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 cashapp ( block, inc. ) due to no customer service which violates the Consumer Financial protection act ( CFPA ) cashapp continually failed to help prevent fraud on there platform making my account a victim of getting scammed then closed my account with my money on there they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) and Regulation E. these actions have caused financial loss and im seeking actions these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I would like a reimbursement for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Again I am requesting this account be removed because it is being reported as though it is an open active account meaning a open revolving account or a line of credit it is currently under accounts and listed with a payment history and all that is completely illegal I did not sign up for a line of credit with the utility company this is inaccurately being reported and is a clear violation of my consumer rights. I'm attaching a copy of what your account is showing as on my credit report clearly it shows payment history clearly it's showing it as an open revolving account and clearly you must be aware that this is a very large violation of my credit reporting rights I never signed up for a line of credit with the utility company. I am completely aware of my rights I used to work for credit law center they are based out of XXXX XXXX XXXX Missouri and I was employed for them for over a year. I'm not sure what part of your illegally reporting this this was not an open line of credit and you have it shown as an active open revolving account with payment history and all I don't know what part of this you are not understanding but clearly it is not being accurately reported and I am going to demand that you immediately remove it from all three of my credit bureaus. I will persue credit law centers help if necessary because I am not okay with having my rights violated and clearly you are trying to take advantage of people who are less knowledgeable about their rights and the situations of what you can and can't do when it comes to credit reporting. I will seek XXXX XXXX XXXX help in rectifying this matter if I need to because this is not at all and accurate depiction of what type of account this was putting payment history on something that was not a revolving an account or in any way had a payment agreement made on it I was not extended a line of credit by the utility company no way shape or form should the repayment history or should it be reported under that portion of my credit at all. Therefore you are illegally reporting this and I'm going to demand immediately remove it from all three of my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I asked for assistance but the interest rate was too high

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: IA

Complaint narrative:
I am filling 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 transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience an financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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