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: 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX  - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Last week, I filed a dispute with Experian with regards to a late payment on my credit report. I notified them that the late payment should not be on there because I notified the original creditor that I wanted to cancel the agreement before they charged it off and they didn't communicate back with me.

15 U.S.C. 1681s-2 under the FCRA shows that furnishers of information are to report accurate and complete information to credit reporting agencies & investigate disputes . The original creditor didn't report complete information. Therefore, this late payment should be removed as per federal 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I purchased an auto policy through XXXX XXXX. In order to get the policy I had to to pay a month up front or a balloon payment to start this policy. After a few months i started searching for a cheaper policy as it is my right to do. I paid my next payment to XXXX  and within two weeks of paying it, I found a cheaper policy so I called and cancelled with XXXX  personally. At the time there was no mention of money being owed as I also never asked for the month to be prorated either. Well at this point I was never contacted about a debt and on XX/XX/year> I received an alert from equifax stating that a collections agency had place an account on my report that they bought this debt from XXXX XXXX. I do not know this creditor nor do I have any business or contractual with this debt collector that is claiming I owe this debt. I filed my dispute with the reporting agency and I do understand that it can take to 45 days with my dispute with them, but there was no place to me to notify this agency of the issues with this account. Instead it has left a derogatory mark on my report for a debt that I simply do not owe. Im affraid do to past experiences that they will not properly investigate this dispute and will leave this issue behind as I continue to suffer do to not only a debt I should not owe but a collector I have never done business with nor do I have a contractional obligation to.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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 ) in Regulation E. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
Someone took money from my bank that was synced to cash app and transferred it thru me to them. I put a hold on my bank but they released it again saying they couldnt fight a third party app. I have all the screenshots of the person and the amounts. Also I tried fighting cash app and they denied becuase it looks like I did it myself but I was hacked by XXXX speaking people who just kept hanging up ok me.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — 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 Zelles 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 CFPBs 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. The lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
I am filing a complaint against Cashapp due to inadequate customer services as well as unfair practices. Violating the Consumer Financial protection app. Cashapp failed to make timely and effective measures to address and prevent fraud on their platform.

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: CA

Complaint narrative:
I purchased a XXXX  vehicle XXXX XXXX. They called and called more than 7 times in one day and continued calling me the rest of the week I had already called told them I switched jobs and the day I would pay. So I hired a lawyer and showed all my proof. Now this account with them is in litigation. They are not suppose to be reporting on my credit or nothing until this court matter is over. Which they have been doing the whole time. They broke the law more than once. Harassing me from phone calls to text to emails. Which i provided to the lawyer and my lawyer has sent over the lawsuit.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchased a XXXX vehicle XXXX XXXX. They called and called more than 7 times in one day and continued calling me the rest of the week I had already called told them I switched jobs and the day I would pay. So I hired a lawyer and showed all my proof. Now this account with them is in litigation. They are not suppose to be reporting on my credit or nothing until this court matter is over. Which they have been doing the whole time. They broke the law more than once. Harassing me from phone calls to text to emails. Which i provided to the lawyer and my lawyer has sent over the lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
After calling and trying to resolve the issues they acted like it was my fault. I do not play games for example, the XXXX XXXX. I didn't even k ow what any of the changes were for and they did not help. Started XX/XX/XXXX with XXXX charging me XXXX the XXXX. Then XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. Then XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX for XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX twice all same day.Also, XXXX XXXX XXXXXX/XX/XXXX for XXXX. Finally I believe, XX/XX/XXXXXXXX XXXX XXXX for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

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 effect measures to prevent and address fraud on their Platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive l, as they did not comply either error resolution requirements under the electronic transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is a formal request, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), to update and permanently remove all inaccurate and outdated personal information from my consumer file.

Pursuant to : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports Reporting outdated or irrelevant personal information, such as old addresses, incorrect names, or inaccurate employment data, violates the requirement that only accurate and relevant information should be reported.

15 U.S. Code 1681g ( a ) Disclosure to Consumers As a consumer, I have the right to ensure the information being reported is both accurate and complete. Any failure to disclose accurate personal identifiers undermines the integrity of my consumer file.

15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your obligation to maintain reasonable procedures to ensure the maximum possible accuracy of reported information includes the accuracy of my personal information, such as my legal name, current address, date of birth, and employer.

15 U.S. Code 1681i ( c ) Statement of Dispute If you can not verify the accuracy of the personal information in my file, you must either remove the unverifiable information or include a statement of dispute, as required by law. 
I want to include the following as evidence that if this personal information continues to report inaccurately and is not removed immediately, that there are already cases that have been presented in court to show how these violations are ruled on. XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ) confirm that credit bureaus are liable for failing to maintain procedures ensuring accuracy and relevance of reported information.

My Accurate Personal Information Is as Follows : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX AL XXXX My Requested Actions : 1.Delete and Remove : All incorrect names, aliases, or misspellings. Any outdated or incorrect addresses. Any inaccurate dates of birth. All irrelevant or inaccurate employer information. 2.Conduct a Reasonable Reinvestigation : Verify the accuracy of the information reported and ensure only accurate, relevant, and up-to-date personal information is maintained in my file. 3.Provide Written Confirmation : Confirm, in writing, that these changes have been made. Failure to update and correct this information within 30 days of receipt of this letter will be considered a violation of the FCRA and may result in legal action. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, if necessary, to protect my rights.

Thank you for your immediate attention to this matter. I expect confirmation of these updates promptly.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 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 falling 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 accounts, as Experian 's 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 2025-01-21 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: VA

Complaint narrative:
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 XXXX Complaint Regarding Misuse of My Data, Deleting XXXX Positive Accounts XXXX, XXXX By TransUnion** Dear Sir or Madam, I am writing to formally lodge a complaint regarding what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I have discovered that my data has been misused, resulting in significant harm to my privacy and financial standing. 

Recently, I observed that TransUnion removed an account from my credit report, which is in good standing, which caused a considerable drop in my XXXX XXXX XXXX XXXX XXXXXXXX XXXX The account in question, XXXX, was removed between XX/XX/2025, and XX/XX/2025. This abrupt change to my credit file. This seems to be a cycle with similar incidents involving XXXX and XXXX, indicates a broader pattern of misuse of consumer data. 

Under the FCRA, credit reporting agencies are prohibited from accessing or using consumer data without a permissible purpose. Misuse may include : - Sharing credit information without authorization - Using reports for non-credit-related decisions without proper consent - Obtaining or altering credit reports under false pretenses These actions violate my rights under the FCRA and have negatively impacted my financial standing and privacy.

To resolve this matter, I respectfully request that the FTC investigate TransUnion 's practices, and restore my accounts. TransUnion has clearly violated FCRA regulations. Additionally, I request that TransUnion provide : Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX CFPB TRANSUNION IS NOT COMPLYING

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
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 redres for these violations.

Company response to consumer: Closed with explanation