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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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. Department of child support has inaccurately marked adverse action on my account. I attempted to communicate with the division of child support, and the representative initially did not even know that child support is on a credit report. They then proceeded to tell me that they could not remove the incorrect adverse action, but would provide a letter of good standing if I needed it for any purpose. It is not legal or fair to keep inaccurate adverse action on my account, and it is not realistic to expect that I can provide a letter for every circumstance in which I need my credit to work for me. I filed a dispute with Experian and XXXX XXXX, neither of which removed the adverse action and they claim The account to be verified and accurate, but are unwilling to provide method of verification. I cant imagine how they wouldve verified such information as child support has acknowledged to me that the information is incorrect. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. This is not the first time that I have experienced this with experience, as a previous dispute regarding XXXXXXXX XXXX XXXX was also marked by them as correct and verified but then subsequently removed after XXXX found it to be unverified and deleted it. 
This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process.

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: LA

Complaint narrative:
I am filing a complaint 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 take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions has 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I use experian to do my credit check and they told me they would dispute my account but they still there

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXDate Opened : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

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

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 25 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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am disputing the collection account with XXXXOPPLNS, account number XXXX, dated XX/XX/scrub>XXXX XXXX, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXOPPLNS provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 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, Transunion '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 requested that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts Disputed : XXXX XXXX XXXXXXXX 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 non-monetary relief
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: TN

Complaint narrative:
I am filing a complaint against Cash App ( block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and information 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 me significant loss, tremendous stress on my family and my business and I seek appropriate action for these violations.

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 service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc. ) due to inadequate costumer 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 either 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This was my business account. I sent out money to the wrong person so many times. Zelle will never help me get my money back or they never stop the pending on the account. This been for family, bill, so much other things. Even BANK OF AMERICA. So I stop having my roommate, family and customers to stop sending money. After I stop I started to go to the ATM. And then I would have problems with the atm. Taking my money. Money wont go into my account. Or if I take money out it would get stolen. Show now they close my account. Just been stressing. Cuz they took my last money at the time.

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: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to formally express my concerns regarding the handling of disputes by Zelle, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which underscores significant issues with the platform. 

Despite my extensive use of Zelle and my reports of discrepancies, both my financial institution and Zelle have not conducted a thorough investigation into my claims. I was informed that the recovery of lost funds is not possible and that tracking these transactions is unfeasible. 

The findings from the CFPB suggest that Zelle has not adequately protected consumers and has permitted repeat offenders to exploit the system, thereby leaving users vulnerable to potential scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have not received my pay check that was supposed to be deposited on Thursday and didnt receive my bank transfer of {$200.00} from a third of party yesterday.

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: CA

Complaint narrative:
Dates are as followed XXXX {$80.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX {$50.00} Those are all the transactions that was made from my account that I sent a message for and I was told someone would get back to me. The transfers I did report but was told they would try and get my money back but they never did and the closed my account and won't let me open another one after all that money they token. I don't even use cash app anymore after lossing all my money. They lied about having my money reversed back into my account but never did. They gave me a number to call but nobody ever answered just the online chat would say someone will get back to me never did and never seen my money again. Me and my son became homeless because of cash app.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX i was notified that an online XXXX transaction was charged to my stolen credit card, i immediately called them to report the fraud and was told the amount would be removed and not post to my account, i made a police report regarding the stolen credit card and notified ebays fraud dept regarding the incident and was told it was being investigated. A few days later the amount of XXXX was posted to my account and am being forced to pay until investigation is completed, which is unfair and should be removed and reimbursed as i was forced to pay it so it wont affect my credit. Contacted citi over 5 times and was told it could not be credited until investigation was completed now i am down XXXX that i was forced to pay due to lack of ability on their end to postpone the fraudulent charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-18 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, there 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 lost, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
ive made several cash app transfers within a couple of years and lots of them never made it to their destinations. Many times I called Cash App. Theyve always told me contact the recipe and find out what an out they received it, and I always mention that the recipient never received it so most of the time lot of that money has never been transferred and I lost out

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: CA

Complaint narrative:
I am filling 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 regulations 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: 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 formally to express my concerns regarding Zelles handling of disputes, particularly in the 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 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 users vulnerable to scams. 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im filing a complaint with the CFPB regarding Capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you

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: IL

Complaint narrative:
I am writing to formally express concerns regarding Zelles handling of disputes. Particularly the recent CFPB lawsuit highlighting big issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPBs 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 2025-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX, and TransUnion have failed to comply with the Fair Credit Reporting Act 15 U.S.C. 1681i by neglecting to conduct meaningful investigations into multiple disputes I submitted in XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite providing detailed supporting documentation to correct false late payments and inaccurate collections, these credit bureaus failed to follow the legally mandated steps to verify the accuracy of the disputed items. They communicated that the information was verified without demonstrating compliance with the law 's verification requirements or providing a detailed explanation of their findings.

As a result, inaccurate and harmful items remain on my credit report, including false late payments and unvalidated charge-offs or collections, causing damage to my financial standing and creditworthiness. This failure demonstrates a systemic disregard for consumer rights under the FCRA. I request the CFPB to investigate these violations, compel the credit bureaus to remove all inaccurate and unverifiable items from my credit report, and ensure compliance with all legal obligations.

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: FL

Complaint narrative:
XXXX, Equifax, and XXXX have failed to comply with the Fair Credit Reporting Act 15 U.S.C. 1681i by neglecting to conduct meaningful investigations into multiple disputes I submitted in XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024. Despite providing detailed supporting documentation to correct false late payments and inaccurate collections, these credit bureaus failed to follow the legally mandated steps to verify the accuracy of the disputed items. They communicated that the information was verified without demonstrating compliance with the law 's verification requirements or providing a detailed explanation of their findings.

As a result, inaccurate and harmful items remain on my credit report, including false late payments and unvalidated charge-offs or collections, causing damage to my financial standing and creditworthiness. This failure demonstrates a systemic disregard for consumer rights under the FCRA. I request the CFPB to investigate these violations, compel the credit bureaus to remove all inaccurate and unverifiable items from my credit report, and ensure compliance with all legal obligations.

Company response to consumer: Closed with explanation