vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has suspended my account without cause and is withholding funds from withdrawal. Standard financial institutions issue checks immediately after account closures. Instead, PayPal is illegally withholding funds of {$15000.00} that is needed to continue to operate business as well as day to day personal life. I am not necessarily asking for my account to be reinstated, but please release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
1681 0 for civil liability for negligence, not complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 complain 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 measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. To be more exact the amount of {$2400.00} was sent to a person named XXXX XXXX, I did not approve this transaction at all and dont know how this person was even able to do this. 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 2025-01-29 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
According to the IRS, my social security number was used to collect money through Cash App in XXXX. Square , Inc. sent a total of XXXX 1099-Bs to the IRS. 
The total amount is {$22000.00}. I have not ever had a Cash App or anything similar. The dates of these payments are as follows : XX/XX/XXXX - {$1900.00}, XXXX {$640.00}, XXXX {$1900.00}, XXXX {$480.00}, XXXX {$490.00}, XXXX {$1000.00}, XXXX {$370.00}, XXXX {$2100.00}, XXXX {$780.00}, XXXX {$980.00}, XXXX {$270.00}, XXXX {$590.00}, XXXX {$980.00}, XXXX {$1900.00}, XXXX {$390.00}, XXXX {$240.00}, XXXX {$230.00}, XXXX {$640.00}, XXXX {$460.00}, XXXX {$400.00}, XXXX {$1800.00}, XXXX {$820.00}, XXXX {$1200.00}, XXXX {$1200.00} which total {$22000.00}. 

I have contacted Cash App on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I was told they would forward the information to their fraud department and asked me to provide information : name, phone number, email address, what Cash tags are involved, amount of unauthorized payments, do I have a cash app, confirm last XXXX digits of card used, any screenshot regarding this issue, did I give my information to anyone. I provided all of the information they requested. I then received an email stating they can not provide tax advice, go to IdentityTheft.gov, and to contact law enforcement. I did file a report with my local law enforcement and filed a report with Identity Theft.gov.

I called Cash App back on XX/XX/XXXX to be told the case had been closed. I was told I could start over from scratch which I did only to receive the same email telling me they couldn't give tax advice, etc. The current case number I have through Cash App is XXXX. I called back on XX/XX/XXXX and was told the information would be passed to their fraud department once again. Again, I received the form email regarding the tax consultant on XX/XX/XXXX. I called once again on XX/XX/XXXX and was told it would be escalated to their fraud management. Once again, I received the same email. On XX/XX/XXXX, I called their parent company, Square , Inc. After explaining the issue, I was told that the phone call would be terminated at which time they hung up. 

I have received a notice from the IRS stating that I need to pay the taxes due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple 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 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint AgainsXXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against Chase and XXXXG Claims , IncXXXX regarding the wrongful denial of my Chase Sapphire Preferred travel insurance claim ( Claim XXXX XXXXXXXX ). 
1. Chase Misrepresented Its Credit Card Travel Insurance Chase markets its travel insurance as " comprehensive '' and lists trip interruption coverage as a core benefit. 
However, when I filed a legitimate claim for a trip interruption caused by a volcanic eruption, I was denied for reasons not even listed in the policy. 
This is misleading advertising because Chase is offering a benefit that can not actually be used when needed. 
2. The Claims Processor Invented a False Exclusion eClaimsline denied my claim, despite admitting that volcanic eruptions are not listed as exclusions. 
A non-existent exclusion is being used to avoid honoring valid claims. 
3. This Is a Case of Unfair and Deceptive Financial Practices Chase is marketing travel insurance that does not function as advertised. 
XXXX is systematically misrepresenting policy terms to deny claims. 
This practice harms consumers who rely on these benefits when booking travel. 
Requested Action I request that the CFPB investigate Chase for misrepresenting its credit card travel insurance and require that all claims be processed in accordance with actual policy language, not arbitrary interpretations. 
I have attached all supporting documents, including my policy guide and denial letter. Please confirm receipt and next steps. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc
State: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH NPA AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never authorized the inquiries your company has placed on my credit report, and theyre hurting my credit score.

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 2025-01-29 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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 2025-01-29 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: TN

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX was able to take XXXX from my account while it was locked. I asked for a refund and on this happened on multiple separate occasions they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute several inaccuracies and inconsistencies in the negative items being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all reported information is accurate, complete, and verifiable. The items listed on the letter fail to meet these standards and are causing significant harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally dispute several inaccuracies and inconsistencies in the negative items being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all reported information is accurate, complete, and verifiable. The items listed on the letter fail to meet these standards and are causing significant harm to my credit profile.

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 2025-01-29 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-29 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a Vanilla Gift card for {$500.00} from XXXX at XXXX on XX/XX/XXXX. The first issue happened on XX/XX/XXXX when a purchase was made on this card for {$53.00} at XXXX XXXX XXXX and was unrelated to me. This happened once again on XX/XX/XXXX when the card was charged {$130.00} at XXXX. Both of these purchases were not made by me, so I immediately sought help to get back my money. The two purchases mentioned were put on the status 'Disputed ' and there didn't seem to be any issues afterward. I then made a couple of purchases of my own. I decided to open a case on XX/XX/XXXX because I wanted to accelerate the process of gaining back my lost money. However, the process ended up being dragged on by the company. I spoke with multiple customer service representatives to resolve the issue. They told me to provide documents such as a picture of the front and back of the card as well as a digital receipt from XXXX. I went to XXXX I purchase the card, but they said it had been too long and that they were unable to provide me the receipt. I relayed this to a representative and, thankfully, they said that I did not need to send the receipt as it would be resolved without the need for one. Despite providing all the information I could, every time I called the company they gave me the same response over and over. I had to wait for their team to work on the case and that I would get an email within 48-72 business hours. Every time I would wait a week and not receive any response from the company. I would then call again and get the same response from the customer service representative. The final deadline they set for when the case would be resolved was XX/XX/XXXX which would be 90 days since I first opened the case. However, I called again on XX/XX/XXXX and all I got was the same answer from the customer service representative of giving their 'team ' another few days to work on the case. I have been as patient as I can, so I am now submitting this complaint as a way to finally resolve the issue as it is clear to me that the company simply refuses to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have noticed a charged off account on my credit report, however, I do not have the legally required 1099-C for that should have been issued per IRS guidelines of discharged debt. I demand to be provided the requested documentation or clarification regarding the status of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation