vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IM DISPUTING AN ALLEGE LATE FEE PUT ON MY ACCOUNT, DUE TO THE NEGLIGENCE AND CROOKED BUISNESS TACTICS FROM XXXX XXXX, XXXX, AND EQUAFAX HAS BEEN FOUND GUILTY AS CHARGED BY THE CFPB FOR NOT DISPUTING BOGUS LATE FEES FROM LINES OF CREDIT AND CREDIT CARDS FROM CONSUMERS LIKE MYSELF..THIS NEGATIVE PUBLICITY HAS BEEN ALL ON THE NEWS, AND ONLINE ... XXXX AND XXXX AND EQUAFAX HAS NOT BEEN READING DOCUMENTS THAT'S BEEN MAILED AND EMAILED TO THEM, THESE CREDIT BUREAUS HAS BEEN COMMITTING UNDERHANDED, UNETHICAL BUISNESS TACTICS TO HARD TIME AND CAUSE HARDSHIP ON CONSUMERS LIKE MYSELF FOR A PRICE... .I WANT THE CFPB TO PLEASE READ ALL MY DOCUMENTS THAT I'VE BEEN SENDING TO THESE CREDIT BUREAUS, AND YOU WILL SEE THAT I ALWAYS ASK THEM TO READ THE DOCUMENTS ... .REGIONS BANK WHO PUT THIS BOGUS LATE FEE OF {$11.00} ON MY ALMOST PERFECT CREDIT REPORT ALSO DID NOT FOLLOW PROTOCOL ..15 U.S. CODE 1666 b TIMING OF PAYMENTS ... CFPB LAWS AND REGULATIONS STATES..A CREDITOR IS SUPPOSE TO HAVE DELIVERED 21 DAYS BEFORE BILL IS DUE... THIS DID NOT HAPPEN..ANOTHER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is the ONLY credit bureau showing inaccurate information on my credit report. After going back and forth between Experian and the credit company XXXX for a whole year, this was XXXX only helpful response : It appears that this is a problem with Experian. We report the same data to all the credit bureaus, and our practice is to report accounts that have been paid off after charge-off as " XXXX '' with a XXXX balance. 

Experian states that XXXX verified the inaccurate information even after I provided a XXXX XXXX XXXX as proof that the account was paid off/inactive as of XXXX XXXX Experian refuses to correct the remarks on my report, the status of the account, and the history of the payments even after I provided proof. 

Ironically, the history of the account has been reported as ND ever since I began the dispute process a year ago. Meaning that if I never disputed it, Experian would likely have still reported this account as a charge off that was never paid, which is false and grossly unfair to me. Although the account unfortunately was late and hit a charge off, it makes a difference to report that it was ultimately paid off in full to the creditor and closed. 

I am requesting that the history of the account be corrected to terms met starting for the month of XXXX XXXX XXXX, when I paid the account off in full and NEVER used it again. The account has since been inactive and closed. Additionally, a remark needs to be added as paid with a XXXX balance in which XXXX states that is what they report to all bureaus.

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX stolen from my account chat with customer service support no return all documents was sent in XX/XX/XXXX XXXX was stolen from my account all documents was sent in not resolved XX/XX/XXXX XXXX was stolen from my account customer service claims it was a system error and it would return no action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
Cash app took money out my account in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

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 furnisher, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed the 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 's inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing 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 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 ) 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 2025-01-18 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: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected the 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 Experians 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXXXXXX XXXX XXXXXXXX - Incorrect Name # XXXX : XXXX, XXXXXXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX : XXXX XXXX XXXXXXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX at XXXX XXXX a TransUnion representative picked up a certified mail dispute at a postal facility in XXXXXXXX XXXX The dispute pertained to incorrect and out of date personal infomation. On XXXX TransUnion sent me a copy of my credit report with the incorrect information still listed on the report and did not explain what items were updated or removed, just that they received the dispute.TransUnion is obligated by law to report information accurately and they are not even under direct dispute with evidence provided.

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I didnt reach out to them because the account is closed. I had a Wells Fargo account XXXX XXXXXXXX and I collected unemployment. I owed unemployment a lil under XXXXXXXX XXXX but I was told that close to XXXX XXXX was issued to me in funds in my checking account. I never received that much money into my Wells Fargo account. I ended up having to pay unemployment back money I never received from my Wells Fargo account. I want my money back. I want XXXXXXXX XXXX  back I want every XXXX from being scammed out of my deposits. I also want back every XXXX they charged me of overdraft fees.

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 ( 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
TO Your Company I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ).

You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
All of the accounts listed have different dates of last activity/status date, & have inaccuracies in the payment history between Equifax, XXXXXXXX XXXX XXXX. ( How can these accounts have different information between the CRAs reporting, but are getting the information from the same creditor? ) YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates.

According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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:
TO Your Company I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
All of the accounts listed have different dates of last activity/status date, & have inaccuracies in the payment history between XXXX, XXXX, and Experian. ( How can these accounts have different information between the CRAs reporting, but are getting the information from the same creditor? ) YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates. 
According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Okay so I have been a XXXX my whole life making {XXXX XXXX XXXX and living off cash and I wanted to a car and I needed a credit card because you can't do anything without one and the person on the phone promised me that it would be like a prepaid loadable card I wouldn't get charged any interest and every time I made a payment it didn't give me what I put in I'm not the smartest person in the world and the man on the phone knew it and now my life is ruined from a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

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. Which I have been victim too. 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 2025-01-18 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:
Around XXXX XXXX XXXX XXXX XXXX XXXX  was sent to someone I didnt know through Zelle. Whoever did it hacked my Zelle account, which l no longer used after the incident happened. They changed my number, and sent {$470.00} to someone I do not know. I tried to get it fixed at the time when it happened. My bank at the time using Zelle was XXXX XXXX XXXX XXXX The bank didnt do anything, and neither did Zelle XXXX This was my first time ever using Zelle. I have the emails still to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was a customer of XXXX XXXX XXXX. I have been informed that as of XX/XX/year> a company by the name of Transworld Systems Inc. ( TSI ) has taken over XXXX XXXX XXXX XXXX XXXX XXXX. TSI has since assigned account XXXX XXXX TSIM. 

Not only has TSI been provided my private information by XXXX XXXX XXXX, upon requesting validation of the debt from TSI, I was sent a XXXX XXXX XXXX XXXX which shows zero affiliation to TSI, who is now unlawfully in possession of my private information and claiming that I am indebted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation