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: 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: PA

Complaint narrative:
In XXXX, XXXX, the following companies were provided w/a " Manual Remittance Payment '', from the IRS, on behalf of the Affiant, XXXX XXXX XXXX , to pay in full, the credit card account ( s ) with said company ( ies ). These companies are : 1. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Said payments were either : A. Received, but not credited to the account, or B. Received, not documented, and not credited to the account, or C. Received, not documented, not disclosed as received, and not credited to the account, etc., etc. 

Since having received whatever documentation and payment from the IRS that was authorized and requested by me, the companies involved proceeded to pursue collection action ( s ) against me, and have fraudulently and falsely reported the so-called " unpaid '' balance ( s ), as " debt '' that I still owe.

These companies have failed to properly " discharge '' the alleged " debt '' due to their refusal, and/or inexperience or education " accepting '' a properly tendered payment, and have continued to be in dishonor. 

These companies refuse to provide proper documentation based upon GAAP, and simply provide copies of statements ( not bills ) as " proof '' of an alleged " debt ''. They have falsely reported the said accounts as " unpaid ''. 

Finally, these said companies, by providing false and misleading information to the CRA 's, have severely damaged my credit, which prior to XX/XX/year>, was in the XXXX range, and, have not properly disclosed, as per agreement, whether ALL payments and/or credits to the accounts in question, were either credited, or returned as " undocumented '', " un-accounted for '', or simply " lost ''. 

I am therefore, requesting a re-investigation of this matter in its entirety, so that Justice may prevail. For the record, I have all documentation related to the requesting of, and mailling to the relevant IRS offices, of said " Manual Remittance Payment '' requests to support the foregoing information.

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: TN

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 — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Withdrawal from PayPal Account ( Case ID : XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized withdrawal of {$1000.00} USD from my PayPal account. Below are the details of the situation : Issue Overview : Order Information : On XX/XX/year>, I received an order for {$1000.00} USD. The item was shipped via USPS with signature confirmation, and the tracking information confirms the package was successfully delivered. 

Payment Dispute : On XX/XX/year>, I discovered that the payment of {$1000.00} USD had been withdrawn from my PayPal account without my knowledge. I was never notified of this dispute by PayPal, and I was not given the opportunity to respond or submit evidence to support my case. 

Buyers Actions : The buyer did not reach out to me for a return or refund. There were no issues with the product. Instead, the buyer initiated a chargeback without any prior communication or attempt to resolve the matter. 

Concerns : I did not receive any email notification about this dispute, which prevented me from addressing the issue in a timely manner. As the order was successfully delivered and no return or refund request was made by the buyer, I believe the chargeback is unjustified and unfair. 

Request for Resolution : I request that PayPal return the withdrawn amount of {$1000.00} USD to my account. 
I ask that PayPal review this case to ensure fair handling of disputes and better protect sellers in the future. 
I urge PayPal to improve their notification system so that sellers are informed of disputes promptly, allowing us to respond in a timely manner. 
This situation has raised serious concerns about PayPals handling of disputes and the protection of sellers interests. I believe this issue requires attention to ensure fair treatment and proper safeguards for sellers.

I have attached relevant order details for your review. Thank you for your attention to this matter, and I look forward to your assistance. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX

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: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had 2 credit cards with Capital One that were both closed when I got behind on the payment. I was in a car accident and was experiencing financial hardship. I paid the balance due for both cards in XX/XX/year>XXXX  & received another statement with interest fees and late fees for XXXX. I spoke with customer service and they stated I had interest from the previous month that carried over. I received an email with a {$0.00} balance. I didn't agree with the balance due and asked to waive the late fee but they refused and said I would receive a new statement next month for interest. I asked how to close the account and they confirmed it is closed but I would continue to be charged interest and it can go to collections of not paid.

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: FL

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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX  - XXXX  - {$260.00} XXXX  - XXXX  - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under 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 non-monetary relief
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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I was approved for federal student loan funds by XXXX XXXX XXXX at XXXX. Per the advisor I didnt meet the college requirements to receive the full loan amount granted. I am still being told that I used XXXX in students loans that I didnt not receive and have not been provided an option to dispute but it remains on my credit report. Balance is also increasing causing my credit score to drip and causing me financial distress.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CT

Complaint narrative:
My daughters cash app card was stolen from her purse along with license and other things. There were 13 transactions on XXXX XXXX XXXX {$100.00}, XXXX {$150.00} & XXXX {$50.00}. I disputed it with bank and bank said to contact cash app. I contacted cash app and my daughter did also to dispute the charges. My account should have not been connected to cash app card. I never received any response or compensation back from cash app totaling {$1300.00}. I lost this money due to Cash App not responding. I dont know what to do at this point. I am a XXXX yr old woman on Social Security, I can not afford to lose this money. I see that there is a case against Cash App for fraudulent transactions and telling people to go to their banks when its Cash Apps fault

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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 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 consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, 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 of the aforementioned consumer credit account, collection, 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Please remove these items immediately. This is not a third party filing this.

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: 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute and Notice of Negligence in Noncompliance under 15 U.S. Code 1681o Dear Experian Dispute Department, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency. This letter also serves as notice of your noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to 15 U.S. Code 1681o, which addresses civil liability for negligence. 


Despite my previous efforts to resolve this matter [ e.g., dispute submissions, calls, or correspondence ], Experian has failed to fulfill its obligations under the FCRA. These obligations include : 1. Ensuring maximum possible accuracy of the information in my credit file.

2. Conducting a reasonable investigation of disputed items.

3. Correcting or deleting inaccurate, incomplete, or unverifiable information in a timely manner. 

Your failure to meet these requirements has caused me significant harm, including but not limited to : Deny of apartments, transportation and even expenses Under 15 U.S. Code 1681o, Experian may be held civilly liable for damages resulting from negligence in failing to comply with the FCRA. 

Demand for Resolution : To address this matter, I demand that Experian : 1. Conduct a thorough investigation into the disputed information.

2. Provide me with written confirmation of your findings and the steps taken to resolve the inaccuracies.

3. Correct or delete the inaccurate, incomplete, or unverifiable information from my credit report.

4. Compensate me for damages caused by Experians negligence, as permitted by the FCRA. 

If Experian fails to resolve this issue within 30 days of receipt of this letter, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or initiating legal action. 

Please treat this letter as formal notice of your obligations and my intent to pursue remedies if compliance is not achieved. I expect a response within the legally mandated timeframe. 

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My checking account with Citibank was blocked by the bank on XX/XX/year> without any type of warning or explanation. I called the bank that same evening and was provided no explanation except for the fact that my account was closed and I would get a letter and if I wanted my money, I could go into the local branch. I went into the local branch the next day and told me that they couldn't give me my money. I immediately tried to cancel my work paycheck from being deposited on Friday, XX/XX/XXXX. On Friday, my paycheck didn't deposit into my other account so I called Citibank to see if it went into the closed account. The representative told me that there were no deposits into the account and if my company tried to send funds, it would have been returned. I waited a week and my employer told me that they haven't received the ACH deposit from Citibank. I called Citibank again on Monday, XX/XX/XXXX and they told me that they couldn't give me any information and to go into the local branch. I went into the local branch on Wednesday, XX/XX/XXXX and they told me my payroll did get deposited into my account and that my account wasn't closed but just blocked. They said that they couldn't give me my money because because they needed a special department to lift the block. The banker called a department to see if they could lift the block but said that they wouldn't know for 48 hours. How is it legal for Citibank to not give me any notification about closing my account before I could change my payroll to a different account or at least give me access to my money? I have been put in a horrible financial situation because of them and have no idea what to do at this point. I had been a loyal customer for 26 years and have spent countless hours trying to get this resolved with no results.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

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 the 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 infeasible.

Company response to consumer: Closed with explanation