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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted the court to conduct an investigation on if they sent the bankruptcy information to the credit reporting agency. To my surprise the court sent a letter saying they have not sent any information to any credit reporting agency at all. Experian made a claim that the information received came from the court. This information is not true at all.

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

Complaint narrative:
I have disputed accounts in collections on my credit report that are inaccurate several times. Yet those inaccurate items have not been removed. I should have no delinquent or accounts in collection on my experian report. These false allegations have extremely affected 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 2025-01-22 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 2025-01-22 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 filling a complaint against Cash App ( Block , Inc. ). Due to an inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and i 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX  keep founding ways to delay the correction on my credit report. I need CFPB to file a lawsuit against this credit report ASAP.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  keep founding ways to delay the correction on my credit report. I need CFPB to file a lawsuit against this credit report ASAP.

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: IL

Complaint narrative:
I am falling like a plane against Cash App. Also known as Block, Inc. due to inadequate customer service and unfair practices, which violate the consumer financial protection act, ( CFPA ) a 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, their dispute resolution process was unfair and deceptive, as they did not comply. With error resolution requirements under the electric fund transfer act. ( EFTA ) and regulation E these actions have caused significant inconvenience and financial laws and I seek appropriate redress.

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: TX

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 2025-01-22 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: NJ

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.

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: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XXXX the XXXX, I have been doing wires to the same company " XXXX XXXX '' for about XXXX, I can't more daily because of citi bank policy that if you pay more for the XXXX  XXXX, only then you can wire more money, but that's not the real problem. 
The real problem is that after my first wire on the XXXX, every time I tried the same wire for the amount, to the same company, I started to get issues with citi with my wire on hold without any explanation, so I call them and I had to wait for an hour, whereas I gave all the info, very slowly and annoying and security questions, to finally my wire get released on the XXXX of XXXX. 

Then everyday has been the same, the put on hold my wire without explanation, I told them that I already did many times exactly the same wire, and they still makes very annoying and difficult to get out my money from them, and that can not be, what I do with my money is my own concern and I never had that issue with any bank but citi. And today it was enough, I did again the anoyying process of waiting XXXX hours and the security questions, and the person there, who barely speak XXXX, just denied my wire and of course I could try again today because I already lost my daily wire limit. 

This is not acceptable, if I want to access my money, I should be, citi bank doesn't own my money, I'm the owner of my money. 

Thank you.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Constantly lied and said they never received my FTC report after submitted it four times in the CFPB PORTAL. They have violated 15 U.S. CODE 1681c-2 blocking access Deletion of these fraudulent accounts. They hung up in my face XXXX  times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! They have been noncompliance under 15 U.S.C code 1681n 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681c-2 ( a ) : Requires credit bureaus to block fraudulent information from my credit report when I provide proof of identity theft. 

Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX for damages, willingness for non-compliance. Plus XXXX other violations. They are holding these fraudulent accounts under my name after I already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL XXXX XXXX  CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT 15 U.S.C CODE 1681n suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Constantly lied and said they never received my FTC report after submitted it XXXX times in the CFPB PORTAL. They have violated 15 U.S. CODE 1681c-2 blocking access Deletion of these fraudulent accounts. They hung up in my face XXXX  times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! They have been noncompliance under 15 U.S.C code 1681n 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681c-2 ( a ) : Requires credit bureaus to block fraudulent information from my credit report when I provide proof of identity theft. 

Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX for damages, willingness for non-compliance. Plus XXXX other violations. They are holding these fraudulent accounts under my name after I already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL XXXX XXXX  CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT 15 U.S.C CODE 1681n suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages.

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: 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 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 card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I applied for a capital one spark credit card because the commercial showed business owners using it to get cash back. It was a Visa card which I have to have Visa because I use at Costco. They only take Visa. So I spend XXXX a year the XXXX percent back is XXXX. After using it for 8 months or so they changed my card to a MasterCard so it is useless to me. Whereas a friend of mine still has a Visa and his was never altered/changed to Master Card. This is clear bait and switch. They will not let me have a Visa anymore.

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: CA

Complaint narrative:
XX/XX/XXXX To : XXXX XXXX Transunion Validation Letter I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way of the Fair Debt Collection Practice Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item was, were the goods received, when were the goods received etc. ) for the entire amount you say I owe obtained directly from the original creditor. 

The Contract Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original debt. 

The obligation between you and I that allows you to collect on the alleged debt and transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e. drivers license state identification card or any other government document issued document ) that was presented to you at the time of incurring this debt. 

Letter of sale of assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt. 

Proof that this debt has not been charged off Any other intimate knowledge of the creation of this debt by you, the collection agency While I prefer not to litigate. I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to a successful resolution of this matter, removal of this debt off my file. 


Charge Off Letter A charge off account stop being a debt when once it comes a charge off account Tax Law says that when a debt becomes a charge off debt, the status changes from a debt to income According to the FCRA income can not be reported on your credit file. 

This account must be removed asap from my credit report Please note that you have 30 days to complete the investigation as per the FCRA section 611. 


Sincerely, 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 2025-01-22 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 filling a complaint against Cash App ( BLOCK, INC. ) Do 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 cause 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as 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 2025-01-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm filing this claim regarding inaccurate items in my credit report that continues to negatively impact my credit, despite my efforts to resolve this directly with the reporting agency, it remains 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm filing this claim regarding inaccurate items in my credit report that continues to negatively impact my credit, despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Constantly lied and said they never received my FTC report after submitted it XXXX times in the CFPB PORTAL. They have violated 15 U.S. CODE 1681c-2 blocking access Deletion of these fraudulent accounts. I gave consent to my consumer law attorney to represent me over the phone. They hung up in my face XXXX times per me waiting on there long phone call to answer the call. They have told me Even if the creditor verified we are not removing account which is recorded!! XXXX XXXX is my consumer law attorney. That will present me from here on out. On calls with my consent. They have been noncompliance under 15 U.S.C code 1681n Civil liability for willingness for non-compliance. Violated. My legal team have all the documentations we need to sue for a compensation of a {$5.00} XXXX for damages, willingness for non-compliance. Plus XXXX other violations. They are holding these fraudulent accounts under my name after XXXX XXXX XXXXXXXX my attorney already have reached out to the creditors. They have reported a different name thats not matching my credit report. ALL XXXX XXXX  CREDIT BUREAUS NOTICE TO PRINCIPAL NOTICE TO AGENT 15 U.S.C CODE 1681n suing for multiple damages violated the compensation for damages, including actual damages, statutory damages, and punitive damages. 

PLEASE COMFIRM YOU HAVE GOT THE FTC REPORT I SENT IT XXXX TIME THS 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 non-monetary relief