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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am following a plane against Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair e Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of my disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

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 status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

Complaint narrative:
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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
date : XX/XX/year>2025 amount : XXXXXX/XX/XXXX actions taken : talked to banks and blocked all my credit and debit cards and trying to get it resolved but its not happening yet. 

following is the event which happened today. 

I got an email with named official work, and pretended to be my company CEO, my CEO always be in meeting and always work with clients, here they told they are in meeting and need to surprise clients with gift cards for their work, so he asked me to buy 5 gift cards with XXXXXX/XX/XXXX totalling XXXX XX/XX/XXXX, since he is my CEO and we are a start up company I believed that, and went and bought the gift cards and sent them, later realised my CEO never asked for it and he also confirmed that scams are happening in his name very often these days, so I got scammed with XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

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

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

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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing a complaint against Equifax for not properly investigating fraudulent accounts on my credit report. Despite my submissions, Equifax are responding with them updating the account as verified, but they have not sent me any proof of validation that the account belong to me. This practice violates the FCRA 15 USC 1681, which mandates a reasonable investigation of disputes.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed multiple disputes on Transunion regarding the following accounts XXXX XXXX  CHARGE OFF WITH A {$0.00} BALANCE REPORTED ON XX/XX/XXXX, ALSO XXXX XXXX BEING REPORTED AGAIN FOR THE SAME ACCOUNT UNDER A SUBSIDARY NAME XXXX XXXX with a balance {$4400.00} as a collection reported XX/XX/XXXX. XXXX closed account {$0.00} balance reported XX/XX/XXXX, XXXX closed account Balance {$0.00} reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX account, Balance {$760.00} reported XX/XX/XXXX. These have been reported to TransUnion on numerous occasions with Multiple FTC reports as I have had my information leaked in multiple data breaches and used. Transunion denied to follow up with a proper accurate investigation. I was Previously notified that the CFPB and the Feds filed lawsuits against the company Transunion. They Alleged the company of accepting unreliable information, Falling to remove inaccurate or incomplete information, failure to notify consumer of dispute results and unwilling or being fully incapable of operating lawfully. This aligns well with my situation! Transunion has not attempted to remove, nor correct any information. I'm requesting these derogatory inaccurate remarks be removed immediately as its affecting my chances of getting a house. XXXX violates my rights as a consumer as well as federal laws.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Im following a complaint against Cash App ( Black, inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Spacifically cash app failed to take timely and effective measures to prevent an address frog on their platform leaving my account unprotected and vulnerable

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: TX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$410.00}

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: 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$410.00}

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Subject : Request for Deletion of Unverifiable Account XXXX XXXX XXXX Charge-Off Dear XXXX XXXX Equifax, and XXXX I am writing to formally request the removal of a {$17000.00} XXXX XXXX XXXX charge-off account from my credit report. This account was recently investigated and successfully disputed on my XXXX secondary credit report. Following their investigation, XXXX completed the process on XX/XX/XXXX, and the account was fully deleted from their records. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, fairness, and full verification of all information on a consumers credit report. Since this account has been deleted from XXXX, this clearly indicates that the debt was deemed unverifiable. As such, you are also required to remove this account from my credit report to maintain compliance with consumer protection laws. 
Per the FCRA Section 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be promptly deleted. Additionally, failure to remove unverifiable information within the required 30-day timeframe may constitute a willful violation of federal law, subjecting your organization to legal action under 15 U.S. Code 1681n and 15 U.S. Code 1681o.

I request that you : 1. Verify the accuracy of the XXXX XXXX XXXX account on my credit report. 
XXXX. Remove this account if it can not be fully verified within 30 days or less of this letter. 
XXXX. Provide me with a written confirmation of the deletion. 
Please note that I will not hesitate to pursue my rights under federal law should this unverifiable account remain on my credit report beyond the allotted timeframe. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action to seek damages for any continued violations of the FCRA. 
For your convenience, I have attached supporting documentation, including the notice of deletion from XXXX, to assist you in your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Request for XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, and Experian I am writing to formally request the removal of a {$17000.00} XXXX XXXX XXXX XXXX account from my credit report. This account was recently investigated and successfully disputed on my XXXX secondary credit report. Following their investigation, XXXX completed the process on XX/XX/XXXX, and the account was fully deleted from their records. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, fairness, and full verification of all information on a consumers credit report. Since this account has been deleted from XXXX, this clearly indicates that the debt was deemed unverifiable. As such, you are also required to remove this account from my credit report to maintain compliance with consumer protection laws. 
Per the FCRA Section 611 ( 15 U.S. Code 1681i ), any information that can not be verified must be promptly deleted. Additionally, failure to remove unverifiable information within the required 30-day timeframe may constitute a willful violation of federal law, subjecting your organization to legal action under 15 U.S. Code 1681n and 15 U.S. Code 1681o. 
I request that you : 1. Verify the accuracy of the XXXX XXXX XXXX account on my credit report. 
2. Remove this account if it can not be fully verified within 30 days or less of this letter. 
3. Provide me with a written confirmation of the deletion. 
Please note that I will not hesitate to pursue my rights under federal law should this unverifiable account remain on my credit report beyond the allotted timeframe. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action to seek damages for any continued violations of the FCRA. 
For your convenience, I have attached supporting documentation, including the notice of deletion from XXXX, to assist you in your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone hacked my account and sent money to themselves I filed a police report I filed a report with attorney general cashapp told me I couldnt get it back furthermore they owed me {$50.00} for a debit card that was metal that I ordered from them and I XXXX tried to activate the card it was not able to be activated so they made me pay {$10.00} for another debit card so cashapp in total owed me {$450.00} and I also want to charge them {$10000.00} for breach of trust in allowing my info to be accessed by 3rd party vendors they hired to not answer our calls or questions in regards to the fraud on the app.

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

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report, Please tremove these accounts from my report. they are hurting my ability to obtain credit. 

I also notice inquiries that were not made by me and never seen before. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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