vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concern 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 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 and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MO

Complaint narrative:
This account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.

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 2025-01-16 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: MO

Complaint narrative:
This account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concerns about significant issues I discovered in my credit report. Upon review, I identified several inaccuracies, such as incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that are not mine. These errors are affecting my financial stability, and I require your immediate assistance to address and resolve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
The following letter was sent to PayPal via certified US Mail on XX/XX/year>. This letter follows XXXX XXXX XXXX XXXX initial correspondence, received by your office on XX/XX/year>, regarding his dispute over fraudulent transactions and PayPals claim of a dual credit. To date, XXXX XXXX has not received any communication from PayPal Legal Department in response to his prior certified letter. This lack of response has further complicated an already distressing situation for XXXX XXXX. 
For your reference, we have included additional documentation that substantiates XXXX XXXX claim that he was a victim of fraud and highlights the steps taken to address this matter : XXXX. Exhibit XXXX : XXXX Police Report filed on XX/XX/year>, with XXXX XXXX XXXX, Badge Number XXXX. 
XXXX. Exhibit XXXX : Letter from XXXX XXXX Cardmember Service confirming the provisional credit was approved due to fraud. 
XXXX. Exhibit XXXX : XXXX XXXX Dispute Form, Case ID XXXX. 
The fraud originated from a deceptive job offer that instructed XXXX XXXX to make purchases through PayPal for employment-related equipment. Upon discovering the scheme, XXXX XXXX immediately reported the fraud to XXXX XXXX  and the XXXX Police Department. Following their investigation, XXXX XXXX  provided provisional credit for the disputed charges. 
On XX/XX/year>, XXXX XXXX met with a XXXX XXXX  representative and contacted PayPal Support via telephone to address PayPal 's {$3000.00} claim regarding a dual credit. The offshore PayPal representative failed to provide any evidence supporting this claim. Instead, PayPals stance appears to rely solely on unverified assertions, leaving XXXX XXXX without clarity or resolution. 
The PayPal cases associated with the fraudulent charges are as follows : XXXX XXXX XXXX XXXX XXXX In light of these unresolved issues, we respectfully request written correspondence from PayPal Legal Department to clarify the following : Documentation substantiating the alleged dual credit.

An explanation of PayPals procedures for investigating fraud claims in cases like XXXX XXXX. 
Confirmation that XXXX XXXX account will not be sent to collections while this matter remains under review. 
We are seeking a cooperative resolution and request your assistance in verifying the financial transactions and addressing any discrepancies. XXXX XXXX is prepared to engage further with XXXX XXXX XXXX XXXX and XXXX XXXX  representatives to resolve this matter fairly, but your timely response is critical to prevent unnecessary escalation. 
Thank you for your attention. Please respond within 14 business days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
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 2025-01-16 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: WI

Complaint narrative:
I reviewed my consumer report and noticed that I had a late payment 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 a payment for the account ( XXXX XXXX XXXX ) XXXX Please investigate and provide proof with statement Showing that this payments were late if proof cant be provided I demand these payments be updated to on time as they should be as I was never late thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: WI

Complaint narrative:
I reviewed my consumer report and noticed that I had a late payment 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 a payment for the account ( XXXX XXXX XXXX ) XXXX Please investigate and provide proof with statement Showing that this payments were late if proof cant be provided I demand 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 2025-01-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On various dates several hard inquires were posted to both Equifax and XXXX under my account which affected my credit scores. I did not authorize permission to have my credit pulled. Listed below are the companies and the dates. I have sent out reports and requested investigations to both bureaus involved and also file a report with identitytheft.gov. 

Equifax XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company has contacted my ex husband on his phone number, which I did not provide to them, nor gave them permission to contact him, nor any other third party concerning any debts that I allegedly owe. My ex husband has contacted me with a call log that shows Midland Managment contacting him repeatedly about a debt that I supposedly owe them. He stated they have called him several times harassing him about a debt in my name that may or may not be mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit : Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
My personal information was used through the mobile site and this no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complain against cash app ( block , inc ). Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to make 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 electronic fund transfer act ( EFTA ). Amd regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I vehemently object. Please provide an itemized list of the items. I have insurance coverage, and the test and other procedures were completed without my consent as required by law. Additionally, please provide a statement of the 6 to 12 accounts that this company is referencing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson 's capital system LLC debt owed is {$910.00} I've tried to reach out to company due to my personal information has a breach due to theft of my personal information. 
Also my personal information reported on my credit report is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App card and company ( XXXX. inc ) due to inadequate customer service and unfair practices ; which violates the Consumer Financial Protection Act. To be specific, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and very unprotected. Furthermore, their dispute resolution process was unfair and very deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 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: 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 ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT 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 2025-01-16 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to tak timely and effective measures to prevent ar 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres

Company response to consumer: Closed with explanation