vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXX XXXX  XXXX - XX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 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: TN

Complaint narrative:
I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in the 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 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. 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have ( 2 ) credit card accounts with Capital One.Both accounts were closed because they made a decision that my accounts werent used properly. I have overdraft protection on both accounts.Account ending in XXXX and XXXX recently made a payment on the accounts but my paycheck didnt clear in my bank account for the payments to go through so it was returned.This has been the first time this has happened in the 3-4 years that Ive had the accounts opened. I always have paid my cards off in full majority of the time with no balance carryover. This is unethical and to my knowledge against the ( FCRA ). I would like for this issue to be addressed and resolved by reinstating my accounts! I also had available credit on the accounts that I have made payments towards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WV

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 2025-01-22 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:
I have submitted FTC reports and have also submitted proof where the lenders have violated FCRA section code 15USC-1681 ( a ) ( 6 ) ( B ) ( XXXX ) Willful Noncompliance. The lenders are committing fraud by reporting a fraudulent Account and by going after me for the debt and they have written the debts as a charge-off and have received a tax break for the debts! They are committing fraud with the IRS!

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have called in and sent in a request to have my personal information updated 3 times total to Transunion, XXXX and XXXX. XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any change on 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 ( 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 2025-01-22 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 submitting this complaint to express my concerns regarding Zelle 's handling of fraudulent transactions and lack of consumer protection. Despite reporting unauthorized activity multiple times, both Zelle and my financial institution claimed that recovering funds was impossible and tracking the transactions unfeasible. 
This negligence leaves users like me vulnerable to scams and highlights systemic issues within Zelle 's platform. I urge immediate action to improve Zelle 's accountability, transparency, and dispute resolution processes to ensure consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and unproductive, as they did not comply with errors resolution requirements under the Electronic fund transfer act ( EFTA ) and regulations 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
I HAVE TRIED FOR 2 YEARS TO GET THIS CORRECTED WITH MBFS AND HAVE NOT LUCK, I HAVE NEVER BEEN LATE WITH THE ACCOUNT I HAD WITH THEM NOR DONE ANYTHING FRAUDULENT. BACK IN XXXX GRANT FROM THE FRAUD DEPARTMENT AT MBFS GANGED UP WITH A DUTY SHERIFF IN XXXX XXXX NC AND LIED THROUGH HES TEETH, SO THE DEPUTY ISSUED WARRANTS FOR OUR ARREST AND THEN THE HEAD XXXX DIMISSED THE WARRANTS AND FIRED THE DEPUTY FOR LYING AND WAS CAUGHT WITH GRANT LYING. I SUED MBFS AND XXXX XXXX XXXX DEPARTMENT FOR TRYING TO DO FINANCIAL RUINS ON SENIORS AND WON HEADS DONE, 12 COUNT JURY AWARDED ME AND MY WIFE XXXX XXXX DOLLARS BUT THEN THEY WERE SCARED OTHERS WOULD COME AFTER THEM SO THEY SEALED THE CASE FROM THE PUBLIC. THEN AFTER THE CAR WAS PAID OFF WITH MBFS THEY STILL WOULDNT GIVE ME TITLE AND GRANT TOLD ME ON THE PHONE WITH MBFS HE WAS GOING TO PERSONALLY RUIN MY CREDIT BECUASE HE COULD. SO MBFS IS REPORTING CHARGED OFF AND WRITE OFF AND XXXX MO LATE AND IVE NEVER BEEN LATE ON THIS CAR AND PLUS IT WAS PAID IN FULL. I WANT THIS ACCOUNT DELETED FROM MY CREDIT FILE OR UPDATED TO PAID IN FULL AND DELETE THE WRITE OFF AND CHARGE OFF COMMENTS FROM THE TRADE LINE. IF NOT I WILL SUE MBFS AGAIN FOR FINANCIAL RUINS OF MY CREDIT AND IM A XXXX XXXX XXXX SENIOR. FIX THE PROBLEM OF JUST DELETE THE TRADE LINE. IF NOT I WILL FILL LEGAL ACTION AGAINST MBFS AND FILE POLICE REPORT FOR FRAUD FROM A NATIONAL BRAND COMPANY TO DEFRAUD ME. YES IVE ALREADY TALK TO STATE BUREAU IN NC AND THEY SAID WHAT MBFS IS DOING IS FRAUD. FIX THE PROBLEM NOW OR ILL FILE THE REPORT AND HAVE ATTORNEY CHAS POST III FILE LEGAL AUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  account number XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demabd these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to bring to your attention a pressing concern regarding inaccurate reporting on my credit file. Despite submitting documentation for a proper investigation, the issue remains unresolved. Account Information below. 

ACCOUNT CLOSE ACCOUNT NUMBER DATE OPEN XXXX. XXXX XXXX, XXXX XXXX XX/XX/year> The dispute revolves around a vehicle that was voluntarily turned in, yet it is listed as a repossession on my credit report. Notably, all payments were up to date on the vehicle at the time of its return. 

Furthermore, I have learned that Experian, one of the major credit reporting agencies, has failed to implement basic matching tools designed to prevent or significantly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. This oversight has resulted in Experian not to delete information without proper certification, notification, or consumer recourse. 

Specifically, Experian has not implemented procedures to : Compare dates of first delinquencies Verify recent credit balance amounts Confirm high credit balances A signed contract or agreement between myself and XXXX XXXX XXXX that confirms my liability for the debt. 
An itemized statement or account history that outlines the specific transactions and activities related to this debt. 
Proof of any communication from me acknowledging the debt or agreeing to be responsible for it. 

As a result, consumers like myself who have disputed the accuracy of an account and believed their consumer report had been corrected are instead faced with the same inaccurate information reappearing on their consumer report without explanation under the name of a new furnisher. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take necessary actions to ensure that Experian and other credit reporting agencies implement adequate procedures to prevent the reinsertion of previously deleted tradelines and protect consumers ' rights.

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 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX I spoke to my private client representative XXXX at chase in XXXX. I told her I wanted to close my safe deposit box because they were going to charge me {$93.00} on XX/XX/XXXX. I told her I would be out of town and couldnt get there until XX/XX/XXXX. She said that wouldnt be a problem. On XX/XX/XXXX I went to chase and closed the box. After the box was closed she said they withdrew the money and she would have to file a complaint for me to get it back. The complaint department said its against policy to refund the money. So now I have no box and they took {$93.00} out of my account. The rental fee wouldve paid for the box until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NJ

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. 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I don't remember the exact dates, but it was last week when I attempted to email. However, my account has been blocked unjustifiably since 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 monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

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 2025-01-22 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXXAccounts in Question : XXXX XXXX XXXX XXXX XXXX balance {$0.00} ( credit limit {$800.00} ) opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX bal {$0.00} ( credit limit {$600.00} ) openedXXXX XXXX XXXX XXXXXXXX bal {$0.00} ( credit limit {$1400.00} ) opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX bal {$31000.00} opened XX/XX/XXXX, XXXX # XXXX balance {$830.00} opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX {$220.00} XXXX Acct # XXXX opened XX/XX/XXXX Balance {$830.00} XXXX XXXX  balance {$40000.00} opened XX/XX/XXXX acct # XXXX consists of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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