vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: SC

Complaint narrative:
Experian has failed to fulfill it 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-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumer of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed or amended the disputed account, as Experian inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield saving account .Capital One misrepresented their 360 Savings account as having one of the nations highest interest rates, yet failed to notify offered accountholders about the superior rate offered by 360 performance saving accounts. This deliberate obscurity and transparency violated consumer trust and resulted in significant financial losses for many, and breaching the Consumer financial protection act and the Truth in Saving Act. I seek redress for the misleading practices an failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( block , inc ) due to an 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 their 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 address for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 have disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX multiple times, but the errors have not been resolved. Despite my attempts, the credit bureaus have failed to take action to correct these inaccuracies.

The issues with my credit report are as follows : Failure to Provide Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : Despite submitting a dispute, the credit bureaus did not provide any supporting documentation to verify the accuracy of the reported information, as required by law.

Inadequate Investigation ( 15 USC 1681i ( a ) ( 6 ) ( B ) ) : The credit bureaus did not conduct a reasonable investigation into my dispute. No adequate efforts were made to verify or validate the information reported.

Improper Reinsertions ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) : The disputed account was reinserted onto my credit report without proper validation, which violates the reinsertions protocols under the FCRA.

I am requesting that the CFPB take action to investigate these violations and require the credit bureaus to correct the errors, follow proper dispute procedures, and provide the required documentation in compliance with the Fair Credit Reporting Act.

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 2025-01-20 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:
I have disputed inaccurate information on my credit report with XXXX, XXXX, and Experian multiple times, but the errors have not been resolved. Despite my attempts, the credit bureaus have failed to take action to correct these inaccuracies.

The issues with my credit report are as follows : Failure to Provide Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : Despite submitting a dispute, the credit bureaus did not provide any supporting documentation to verify the accuracy of the reported information, as required by law.

Inadequate Investigation ( 15 USC 1681i ( a ) ( 6 ) ( B ) ) : The credit bureaus did not conduct a reasonable investigation into my dispute. No adequate efforts were made to verify or validate the information reported.

Improper Reinsertions ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) : The disputed account was reinserted onto my credit report without proper validation, which violates the reinsertions protocols under the FCRA. 

I am requesting that the CFPB take action to investigate these violations and require the credit bureaus to correct the errors, follow proper dispute procedures, and provide the required documentation in compliance with the Fair Credit Reporting Act.

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 2025-01-20 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 Costumer 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 2025-01-20 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 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 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 2025-01-20 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: TX

Complaint narrative:
Sent in disputes to verify accounts and no specific information given to state accuracy. 
I would like the accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I have initiated multiple disputes with TransUnion, XXXX, and XXXX regarding inaccuracies on my credit report, but these errors have not been corrected, despite my repeated efforts to resolve them. The credit bureaus have failed to take the necessary steps to correct the issues. 

Failure to Mark Disputed Account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The disputed account has not been marked as " disputed '' on my credit report, which is a requirement under the FCRA. 

Inaccurate Reporting of Account Status ( XXXX XXXX XXXX ( b ) ) : The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in incorrect reporting that affects my creditworthiness. 

Failure to Provide Documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : No sufficient documentation was provided to verify the disputed account, leaving the information unvalidated and unresolved.

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 2025-01-20 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: TX

Complaint narrative:
I have initiated multiple disputes with XXXX, XXXX, and Experian regarding inaccuracies on my credit report, but these errors have not been corrected, despite my repeated efforts to resolve them. The credit bureaus have failed to take the necessary steps to correct the issues. 

Failure to Mark Disputed Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The disputed account has not been marked as " disputed '' on my credit report, which is a requirement under the FCRA. 

Inaccurate Reporting of Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The credit bureaus have failed to ensure that the information on my credit report is accurate and complete, resulting in incorrect reporting that affects my creditworthiness. 

Failure to Provide Documentation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : No sufficient documentation was provided to verify the disputed account, leaving the information unvalidated and unresolved.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had catch app issues with money being taken out my account I would try to reach out for assistance not once did I ever get help they gave a fake customer service number and I never found out who the customer service person was and Im sure they stole my information thats not legal and I want all my money back that they stole I still have not been able to contact them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: LA

Complaint narrative:
I opened this account as a college student and lost my XXXX XXXX XXXX day. I thought maybe it got thrown away in the dumpster only to find out its been getting used to make XXXX  and food and clothing purchases this entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I am formally writing to express my concerns regarding Zelles handling of my disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed 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 repeated offenders to exploit the system, leaving users vulnerable to scammers. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-20 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: TX

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I have been trying to update my legal name on my student loans for months, but my provider simply keeps stating that they need the legal documents to update my name. The issue is, I do keep providing them the legal documents needed, through their private mail, on their website ( through my personal account ), where they state to send the documents, but repetitively will not update my name. Instead, they will send an email a week or two later, stating that they havent receiving anything, and to send the documents. This has occurred at least 3-4 times, and it no longer seems that they will corporate in updating my legal name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( 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 process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Coinbase, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Coinbases Delay in Processing Fund Transfers Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Coinbase, a U.S.-based cryptocurrency exchange. On XX/XX/year>, at XXXX AM, I attempted to move funds off their platform, but as of XXXX AM on the same day, the funds have yet to arrive in my account. 

After researching this issue, I discovered reports on the XXXX platform indicating that this has been a persistent problem since XX/XX/year>. Coinbase appears to have done nothing to address these delays. They continue to accept and process orders, despite knowing about the ongoing issues, without providing customers any means to cancel or decline orders that take longer than expected. 

This lack of accountability is deeply concerning. By holding customer funds for extended periods, Coinbase is causing financial harm, as customers, including myself, are unable to access our funds during critical market movements, resulting in significant potential losses. 

It is my belief that this practice should be illegal. XXXX customers should be protected from companies withholding funds without justification, especially when it impacts their ability to trade or secure profits. 

I kindly ask the CFPB to investigate XXXX handling of fund transfers and to determine whether they are in compliance with consumer protection laws. Furthermore, I believe stronger regulations should be in place to prevent cryptocurrency exchanges from engaging in practices that harm consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with non-monetary relief