vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: LDF Holdings, LLC
State: CO

Complaint narrative:
YOUR COMPLAINT Consumer Financial Protection XXXX are issued to all parties with authority to enforce federal consumer financial law. The Consumer Financial Protection Bureau ( CFPB ) is the principal federal regulator responsible for administering federal consumer financial law, see 12 U.S.C. 5511, including the Consumer Financial Protection Acts prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), and 18 other enumerated consumer laws, 12 U.S.C. 5481 ( 12 ). However, these laws are also enforced by state attorneys general and state regulators, 12 U.S.C. 5552, and XXXX regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. See, e.g., 12 U.S.C. 5516 ( d ), 5581 ( c ) ( 2 ) ( exclusive enforcement authority for banks and credit unions with {$10.00} XXXX or less in assets ). Some federal consumer financial laws are also enforceable by other federal agencies, including the Department of Justice and the Federal Trade Commission, the XXXX XXXX XXXX, the Department of Transportation, and the Department of Agriculture. In addition, some of these laws provide for private enforcement. Consumer Financial Protection XXXX are intended to promote consistency in approach across the various enforcement agencies and parties, pursuant to the CFPBs statutory objective to ensure federal consumer financial law is enforced consistently. 12 U.S.C. 5511 ( b ) ( 4 ). Consumer Financial Protection XXXX are also intended to provide transparency to partner agencies regarding the CFPBs intended approach when cooperating in enforcement actions. See, e.g., 12 U.S.C. 5552 ( b ) ( consultation with CFPB by state attorneys general and regulators ) ; 12 U.S.C. 5562 ( a ) ( joint investigatory work between CFPB and other agencies ). Consumer Financial Protection XXXX are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553 ( b ). They provide background information about applicable law, articulate considerations relevant to the Bureau 's exercise of its authorities, and, in the interest of maintaining consistency, advise other parties with authority to enforce federal consumer financial law. They do not restrict the Bureaus exercise of its authorities, impose any legal requirements on external parties, or create or confer any rights on external parties that could be enforceable in any administrative or civil proceeding. The CFPB Director is instructing CFPB staff as described herein, and the CFPB will then make final decisions on individual matters based on an assessment of the factual record, applicable law, and factors relevant to prosecutorial discretion.

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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: ND

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis has been told to stop reporting information and they confirmed twice deletion of account information, yet they continue to commit FRAUD. They do not have my consent to report any information due to fact the information is FALSE, DEFAMATORY and VIOLATION OF THE LAW. Furthermore my personal information has been compromised due to several data breaches recently NexixLexis MUST REMOVE ALL INFORMATION PERMANENTLY and The name LexisNexis shall not appear on any CREDIT REPORTS moving forward PERMANENTLY, thank YOU

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle kind 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 impossible and tracking these transactions was infeasible.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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Its been plenty times when Ive made mistakes and sent the wrong person money and because they have to refund it from their end CashApp say its nothing they can do. Some times the branch isnt even open to explain the situation. Ive lost count less of dollars over this issue. Also I had someone i personally know stealing money of my card from an atm and I had just taped my phone to use my card in a store in XXXX. I noticed immediately and called and they told never gave me my money or told me the store the atm was in.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Disputing Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally report a series of unauthorized credit inquiries that have appeared on my credit reports maintained by XXXX, TransUnion, and XXXX. I have no knowledge or record of authorizing these inquiries, and I am concerned that they may be a result of identity theft. 

The specific unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted a complaint regarding suspected identity theft to the appropriate authorities and have taken steps to secure my personal information. Despite this, these unauthorized inquiries continue to appear on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and other federal regulations governing consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 and Section 616, I am entitled to dispute inaccurate or fraudulent information on my credit report. The law mandates that credit reporting agencies must investigate and correct any information that is found to be erroneous or a result of identity theft.

Additionally, under Section 605A of the FCRA, credit bureaus must remove any fraudulent information resulting from identity theft within a reasonable period upon receiving a formal complaint from the consumer.

As I did not authorize any of the above-listed inquiries, I request that you take immediate action to investigate and remove these unauthorized inquiries from my credit report. I also request that you provide me with written confirmation of the removal of these inquiries, along with an updated copy of my credit report from all three bureausExperian, TransUnion, and XXXXonce the investigation is complete.

Please advise me on any additional steps I may need to take to facilitate this process. 

Thank you for your attention to this serious matter. I trust that you will handle my request promptly in accordance with the law. 

Sincerely, 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 2025-01-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Disputing Unauthorized Credit Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally report a series of unauthorized credit inquiries that have appeared on my credit reports maintained by XXXX, XXXX, and Equifax. I have no knowledge or record of authorizing these inquiries, and I am concerned that they may be a result of identity theft. 

The specific unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already submitted a complaint regarding suspected identity theft to the appropriate authorities and have taken steps to secure my personal information. Despite this, these unauthorized inquiries continue to appear on my credit reports, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and other federal regulations governing consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 and Section 616, I am entitled to dispute inaccurate or fraudulent information on my credit report. The law mandates that credit reporting agencies must investigate and correct any information that is found to be erroneous or a result of identity theft.

Additionally, under Section 605A of the FCRA, credit bureaus must remove any fraudulent information resulting from identity theft within a reasonable period upon receiving a formal complaint from the consumer. 

As I did not authorize any of the above-listed inquiries, I request that you take immediate action to investigate and remove these unauthorized inquiries from my credit report. I also request that you provide me with written confirmation of the removal of these inquiries, along with an updated copy of my credit report from all three bureausExperian, XXXX, and XXXX the investigation is complete. 

Please advise me on any additional steps I may need to take to facilitate this process. 

Thank you for your attention to this serious matter. I trust that you will handle my request promptly in accordance with the law. 

Sincerely, XXXX XXXX

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

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

Company 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Reasonably reinvestigate disputes made by consumers regarding the accuracy or completeness of information in consumer reports.

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 — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX authorized payments that were not approved by me.

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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper investigation to remove errors within the 30-day period ( 15 U.S.C 1681e ( a ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C 1681e ( b ) ) and conducting a proper investigation to remove errors within the 30-day period ( 15 U.S.C 1681e ( a ) ).

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: VA

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 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 2025-01-20 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: TX

Complaint narrative:
I am 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 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 2025-01-20 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 disputed inaccurate information on my credit report with TransUnion, XXXX, and XXXX several times, but the errors still remain unresolved. Despite multiple attempts, the credit bureaus have not corrected the discrepancies. 

15 USC 1681i ( a ) ( 1 ) ( A ) : This challenges the failure to complete a reasonable investigation within 30 days, which has led to inaccurate information staying on my credit report.

15 USC 1681i ( a ) ( 3 ) ( A ) : This challenges the lack of providing a complete investigation report, including supporting evidence for the disputed items.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to notify me of the results of the investigation or provide information on actions taken regarding my dispute.

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 disputed inaccurate information on my credit report with XXXX, XXXX, and Experian several times, but the errors still remain unresolved. Despite multiple attempts, the credit bureaus have not corrected the discrepancies. 

15 USC 1681i ( a ) ( 1 ) ( A ) : This challenges the failure to complete a reasonable investigation within 30 days, which has led to inaccurate information staying on my credit report.

15 USC 1681i ( a ) ( 3 ) ( A ) : This challenges the lack of providing a complete investigation report, including supporting evidence for the disputed items.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to notify me of the results of the investigation or provide information on actions taken regarding my dispute.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX IS REPORTING A FRAUD ALERT ON MY REPORT. I ASKED THEM MANY TIMES TO REMOVE THIS FRAUDULENT STATEMENT READING ON MY REPORT. BUT THEY TOTALLY REFUSED.

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: NY

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 ( 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