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: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to request a correction of the following information that appears on my Experian, XXXX, and XXXX credit reports.

Dispute 1 Account Number or other information to identify account : XXXX - XX/XX/XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 2 Account Number or other information to identify account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 3 Account Number or other information to identify account : XXXX XXXX, XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 4 Account Number or other information to identify account : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is still showing inaccurate information on my credit report. I have continued to dispute this company that has this information listed. the orginal creditor sold this to them and they are using inaccurate info to harrasss me. I am requesting that this be removed from all three of my credit reports because they have not been able to prove since XXXX that the amount, dates and information is correct and they refuse consistently to be compliant and remove instead. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX ( WRONG ) Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. ( WRONG ) Status updated XX/XX/XXXX ( WRONG ) Balance {$1000.00} Balance updated ( WAS NOT ) XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months ( INCORRECT ) On record until XX/XX/XXXX ( this originated in XXXX and not for that amount or this company )

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is still showing inaccurate information on my credit report. I have continued to dispute this company that has this information listed. the orginal creditor sold this to them and they are using inaccurate info to harrasss me. I am requesting that this be removed from all three of my credit reports because they have not been able to prove since XXXX that the amount, dates and information is correct and they refuse consistently to be compliant and remove instead. 

Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX ( WRONG ) Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. ( WRONG ) Status updated XX/XX/XXXX ( WRONG ) Balance {$1000.00} Balance updated ( WAS NOT ) XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months ( INCORRECT ) On record until XX/XX/XXXX ( this originated in XXXX and not for that amount or this company )

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: IA

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 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: IA

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 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Equifax is showing my XXXX account XXXX delinquent 60 days. My account is not late because I did a XXXX month Deferment. Please delete this erroneous information or I will seek legal counsel. As this has ruined my credit.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX is showing my XXXX account XXXX delinquent XXXX days. My account is not late because I did a XXXX month Deferment. Please delete this erroneous information or I will seek legal counsel. As this has ruined my credit.

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: AR

Complaint narrative:
Requested refund and had money removed from account through bitcoin purchases that was not authorized.

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: NC

Complaint narrative:
am writing to formally express my deep concern regarding fraudulent transactions conducted via Zelle. Despite several attempts to dispute these transactions, none of my cases have been adequately reviewed or resolved. I have been informed that Zelle was unable to track the disputed funds, which raises significant concerns about their security measures. 

Reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Zelle has failed to implement the necessary protections to safeguard consumers, resulting in repeated instances of exploitation. To date, Zelle has not taken accountability for these failures, and I believe it is imperative that they be held responsible for their lack of action. 

Thank you for your attention to this urgent matter.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have had a Credit Card with Wells Fargo for over XXXX years and NO one is able to tell me why I cant get a limit increase

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: GA

Complaint narrative:
I am writing to formally express my concerns of 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 account 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: MO

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

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 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: LA

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 2025-01-18 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:
I am submitting a formal complaint against Cash App ( Block , Inc. ) for its grossly inadequate customer service and engagement in unfair business practices, both of which constitute violations of the Consumer Financial Protection Act. Cash App 's failure to implement timely and effective measures to prevent and address fraudulent activities on its platform has left my account exposed and vulnerable, undermining the integrity of its security protocols. Moreover, the company 's dispute resolution procedures have proven to be both inequitable and deceptive, in direct contravention of the error resolution requirements set forth in the Electronic Fund Transfer Act and Regulation E. These actions have resulted in significant financial harm and substantial inconvenience, prompting my request for appropriate redress and remedial action for these legal 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: GA

Complaint narrative:
I am writing to express my problems regarding Zelles handling of disputes especially in the recent CFPB lawsuits highlighting all the issues with the company or services. Despite using Zelle many many times and reporting my problems my financial institution and Zelle failed examine and investigate my claimed correctly or at all. They explained that recovering any lost funds or messed up transactions were impossible and that tracking these transactions were unfeasible. The CFPBs findings and knowledge show that Zelle has neglected to protect consumers and company users but also has allowed repeat offenders to exploit and use the system, leaving me and others vulnerable to scams and any other problems. The lack of accountability and transparency is unacceptable/ wrong and raises serious concerns to me and others 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 — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased XXXX TVs from the retailer XXXX XXXX. They were set to be delivered the following Saturday XX/XX/XXXX. On XX/XX/XXXX only XXXX tv was delivered. It was an XXXX. Once we plugged the TV in we discovered there was no picture display. I immediately contacted XXXX XXXX and advised we are missing two TVs ( Driver advised only XXXX on his truck ) and the tv that was delivered is broken. XXXX XXXX scheduled a pick-up of the damaged TV on XX/XX/XXXX. The driver picked up the damaged TV but advised he did not have new one to replace it on his truck. At this point I grew frustrated and advised XXXX XXXX to issue a refund minus the XXXX XXXX inch tv we finally received XX/XX/XXXX. XXXX XXXX agreed. I was issued a refund receipt. The issue is the refund has not made it to my account and cash app refuses to fully investigate the dispute even though I provided my original purchase receipt AND the receipt showing XXXX clearly suppose to be refunded. I am writing this complaint for XXXX XXXX for delivering broken TVS and not providing replacements timely and cash app for not investigating this fully. My dispute is denied and when I ask for supporting documentation it simply says Im responsible because I swiped my card. What type of protection is that of ones hard earned money.

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: MD

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 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 to formally express my concerns regarding zelle handling disputes particularly in light of recent cfpd 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 adequality they informed me that recovering the funds was impossible and that tracking these transactions were unfeasible the cfpds findings indicate that zelle not only neglected to protect consumers but also have allowed repeat offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concern 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: Block, Inc.
State: CA

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 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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate information on my credit report. Despite my best efforts, this issue remains unresolved. I am requesting an immediate investigation and removal as the information is inaccurate and doesn't reflect my true credit history. After moving from rental property on XX/XX/XXXX. The rental property sent it with full amount instead of with our payment included. I tried to have rental property correct the collections but they said thar there was nothing they could do but they emailed me the revised statement. When I submitted it to the XXXX XXXX XXXX company in XXXX of XXXX and asked them to get an updated statement, they sent the the original statement that was sent in XX/XX/XXXX instead of inquiring with the rental property for the updated statement. I have tried to dispute with Experian on XX/XX/XXXX and XXXX in XX/XX/XXXX and they both are saying the information is correct. Even with the updated statement provided. Experian replied in XXXX hours after my complaint. I submitted it at XXXX est. How can an investigation be done overnight?

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: NY

Complaint narrative:
I am writing this to formally express my concerns with XXXX 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 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