vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: VA

Complaint narrative:
I am writing to file a formal complaint against Experian for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Experian has repeatedly neglected their legal obligations in handling my credit report disputes, and I am requesting your intervention to resolve these issues for the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Complaint Details : 1. Failure to Verify Accounts ( 15 U.S. Code 1692g ) : Experian has failed to provide verification of accounts I have disputed. Under this provision, they are required to provide sufficient documentation to validate that the accounts are legitimately mine, which they have not done.

2. Failure to Provide Proof of Validation ( 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ) ) : Despite my repeated requests, Experian has not provided proof of validation or a purchase agreement verifying that the disputed accounts belong to me. Without such documentation, their continued reporting of these accounts constitutes a violation of federal law.

3. Reinsertion of Incorrect Information ( 15 U.S. Code 1681 ( a ) ( 4 ) ) : Experian has wrongfully re-added disputed accounts to my credit report without proper notification or verification. As stipulated by the FCRA, this is a clear violation of my rights as a consumer and has caused significant harm to my credit standing. 
4. Failure to Ensure Accurate Reporting : Experian has failed to ensure that my credit report reflects accurate and validated information. By failing to validate or remove disputed items, Experian is acting in direct violation of FCRA requirements. 

Requested Resolution : I am requesting that the CFPB intervene to ensure that : Experian removes the inaccurate and unverified accounts from my credit report immediately. 
Experian provides documented proof of validation and verification for any accounts they continue to report. 
Experian ceases the practice of re-adding disputed accounts without proper verification and notification. 


The actions of Experian have caused unnecessary stress and harm to my credit profile. I respectfully request that the CFPB take immediate action to hold Experian accountable for their noncompliance with federal laws. 

Thank you for your time and assistance in addressing this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
We have single family rental homes which were originally financed through XXXX XXXX  in XXXX. We had XXXX loans and all was well. Then at some point, they sold the loans and servicing to XXXX XXXX -- believe it or not, everything was still handled acceptably for several years. Then about 2-3 years ago, they were transferred to New Rez for servicing and things begin to change. This problem started XX/XX/XXXX when one of our rental homes burned to the ground. XXXX XXXX is one of our carriers and they settled within 10 days as a complete loss and remitted a check to us payable to XXXX XXXX and New Rez for XXXX My wife called New Rez for directions and we complied with everything including endorsing the loss check, a payoff request from the servicing department, a letter with my directions to pay the existing mortgage in full and return the balance to me at my home address. We waited till XXXX and the loan had still not been paid in full. The loan on the burned house finally was paid off on XX/XX/XXXX and we thought maybe the balance due us would be coming back soon ( {$130000.00} ) After 10 days, I called and was told that it would be sent out the following Friday after XXXX by a XXXX card board envelope and we would receive on Saturday. It didn't happen. All I want is the balance of my insurance money {$130000.00}. I was told again yesterday XX/XX/XXXX that it would be sent to me in 17 days -- which is the same thing that has been conveyed XXXX other times since this started so I have absolutely no reason to believe it will happen this time. Besides the aggravation and the time on the phone and being told repeatedly the money would be sent, XXXX has dropped twice since this started which is adverse for the money that I was planning to invest. I am XXXX XXXX XXXX and beginning to think I am being targeted because of my age and they have no intention of returning my money. The loan number for this property at XXXX XXXX XXXX, XXXX Missouri XXXX is 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 2025-01-17 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's hanaling 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 2025-01-17 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: CL Holdings LLC
State: GA

Complaint narrative:
I have XXXX derogatory items thats on my report that I do not recognize XXXX is XXXX XXXX and the other one is Jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 this complaint with Cash App for failing to 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 my 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 resolutions under the transfer under the electric fund transfer act ( EFTA ) and regulations E.These actions have caused significant inconvenience and finical loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 obvious violations. Also my account was closed one day randomly and I had no way to recover it. My tag was XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I use XXXX and to my understanding, there were not proper safe guards and it left my hard earned money at risk. 
The entire time that XXXX was introduced to me through my TRUIST BANK, 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 2025-01-17 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: WA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2025-01-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp has unlawfully taken money out my account on multiple different occasions, and I've have filed multiple that resulted in no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts below, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts that I have reported as inaccurate : Report number # : 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 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates The Fair Credit Report Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation 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 ( 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I had several transactions that I had problems with and needed a refund for. I tried reaching out to the company and wasnt able to speak with a live agent. They then tried to charge me for the purchase and closed my account. I was never able to speak with a live agent about the transactions. They are still expecting me to pay for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 evidences to furnishers, accepting unreliable responses and failing accepting unreliable responses and failing to adequate 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 violated 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 2025-01-17 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 the money I transferred through this app that I used on a daily basis. I want all the money that was reported to be refunded to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I havent received a direct deposit or a transfer ever both made on Wednesday. I contacted Capital One on XXXX, on Wednesday, and they denied any issues. As of Thursday XXXX  they tweeted that they were having a vendor issue. This is causing so much stress, my account is already - {$100.00}, which means I literally have no money I can access. I also never received a {$20.00} transfer from a company called XXXX, that was also made on Wednesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Direct deposit issue my check usually lands on Wed it's been over XXXX hours with none of my money being in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Complaint Regarding Capital Ones Failure to Process Direct Deposits To Whom It May Concern, I am filing a formal complaint regarding Capital Ones failure to deposit my direct deposit from my employer, along with any other funds scheduled for deposit. Capital One has cited technical issues as the cause of this delay, which may violate the Electronic Funds Transfer Act ( EFTA ) that mandates timely access to funds. 

This situation raises serious concerns about adherence to consumer protection laws. As a customer, I depend on timely access to my deposits for essential financial obligations. The continued delay and lack of clear communication from Capital One have caused significant inconvenience and uncertainty. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly to ensure that my rights as a consumer are upheld and to determine if Capital One is in compliance with the applicable laws and regulations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one has not deposited my paycheck into my account. After hours on the phone we have no answers and they did not notify customers in a timely manner. Instead hid it from customers until XX/XX/year>2025 and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Scammer XXXX XXXX phone number XXXX XXXX XXXX posted a fake rental listing in XXXX XXXX https : XXXX? XXXX XXXX XXXX XXXX XXXX ( XXXX hour ago ) to me TThank you for your interest in the property. We are excited to continue with your application! 

Here is the application link : - Apply here XXXX XXXX XXXXXXXX It's just a soft check for your background, including a credit check. You will get an application form for a background check after completing your credit check. It will charge you only {$29.00} for the verification, which is also totally refundable. Complete it now and let me know. 

Regards, XXXX XXXX The link brings one to a fake transunion website : 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

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Im filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation has raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation