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: Block, Inc.
State: FL

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 ar 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 — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had a fraudulent account on my report. Please remove this account as it is hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

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 — 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1682i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts I have marked inaccurate : Equifax, account XXXX XXXX XXXX XXXX XXXX XXXX, {$2000.00}, XX/XX/. The company failed to ensure the accuracy of my credit report despite my previous disputes, resulting in financial harm. Under 15 U.S. Code 1681o, a party that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as attorneys fees and costs.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB ; s recent administrative proceeding ( File No. XXXX ) against the for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Listed are some of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

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 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: 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 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX stole a huge huge amount of money from me through cash app. I was scammed. And it and he Ultimately ruined my living situation which left me without a home in XXXX. As a XXXX  woman I was tremendously affected and lost. I tried to settle through cash app and they would not help at all and wouldnt even try to contact XXXX XXXX for my funds back. Cash app was unhelpful. And I am writing to formally express my concerns regarding Cash app handling of disputes, Despite using Cash app numerous times and reporting discrepancies, my financial institution and Cash app 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 Cash app has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This happen in XXXXXXXX XXXX XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary Equifax XXXX XXXX Last Updated XXXX, XXXX  Payment Status XXXX Payment History Older Derogatory events More Details 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 XXXXXXXX Pursuant : Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts This is a violation and inaccurate reporting ** 15 USC 1691d** Mandates creditors to provide a written notice of any adverse action taken regarding a credit application Privacy Act Violations : 5 USC 552a : Protects privacy rights concerning the collection and use of personal information without consent.

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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  ( Installment ) Accounts - negative accounts - closed - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  Payment Status 2-Year Payment History Older Derogatory events More Details 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 Pursuant : Section 605 ( a ) ( 4 ) : Section 605 ( c ) Time limits : Charge-off and collection accounts This is a violation and inaccurate reporting ** 15 USC 1691d** Mandates creditors to provide a written notice of any adverse action taken regarding a credit application Privacy Act Violations : 5 USC 552a : Protects privacy rights concerning the collection and use of personal information without consent.

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 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 procer 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
[ TransUnion Consumer Solutions ] [ XXXX XXXX XXXX XXXX, PA XXXX ] Subject : Dispute of Unauthorized Credit Inquiry Under the Fair Credit Reporting Act Dear [ TransUnion ], I am writing to dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute and request a reinvestigation of any information on my credit report that I believe to be inaccurate or unauthorized. 
The specific inquiry I am disputing is as follows : Creditor Name : [ Empower Finance/FINWIS ] Date of Inquiry : [ XX/XX/XXXX ] Creditor Name : [ XXXX ] Date of Inquiry : ( XX/XX/XXXX ) Creditor Name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : ( XXXX XXXX, XXXX ) Creditor Name : ( Texas Dealer Solutions ) XXXX of Inquiry : ( XX/XX/XXXX Creditor Name : ( XXXX ) Date of Inquiry : ( XX/XX/XXXX I did not authorize this inquiry, and it does not meet the permissible purpose requirements outlined in 15 U.S.C. 1681b. I am requesting that this inquiry be investigated, and if it can not be verified as legitimate, it must be promptly removed from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written response detailing the results of your investigation. This response should include the steps taken, the findings of your investigation, and any documentation used to verify the legitimacy of this inquiry. 
To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID to confirm my identity. 
A utility bill or bank statement to verify my current address. 
Legal Obligations : XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) : Credit bureaus must conduct a reasonable reinvestigation of disputes and verify the accuracy of the information in question. 
XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If an item can not be verified, it must be promptly deleted from the credit report and not reinserted without proper certification. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Credit bureaus are required to provide a detailed written response explaining the results of the investigation and any actions taken. 
As mandated by the FCRA, I expect this investigation to be completed within the XXXX timeframe established by XXXX U.S.C. XXXX ( a ) ( XXXX ). If the inquiry is found to be unauthorized, I request its immediate removal and written confirmation of the resolution. 
Should you require further information or have questions regarding my dispute, please contact me directly at [ XXXX ]. 
Thank you for your attention to this matter. 
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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
I've had several different issues with block inc known as cash app due to fraudulent transactions and I tried several times to contact them and never got a straight answer or explanation of how these transactions was made and also disputed a few of them and still nothing was ONCED explained nor fixed they ended up just closing my entire cash app account for no reason and never give me a explanation of why it actually got closed to start with

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:
am XXXX XXXX against Equifax XXXX XXXX to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifaxconsistently responds within 24 hours statingthe account is accurate, without providingany evidence of a thorough investigation. This practice violates the Fair CreditReporting Act ( FCRA ), 15 U.S.C. XXXX  1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 when making payments — You never received your bill or did not know a payment was due
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
I opened a credit card with DollarBank in XX/XX/XXXX as part of a promotion with a basement waterproofing company. I did not receive any bills in the mail nor instructions from the bank on how to set up my account online and sign up for e-billing. 

In XXXX I received a XXXX XXXX notification that my credit score had dramatically decreased. I learned that I had a past-due bill from DollarBank. I immediately contacted DollarBank and created an online account and paid my bill and late fees. 

It was very challenging to discuss this with DollarBank as the address they had on file was incorrect so it was difficult to verify my identity ( they had XXXX XXXX XXXX, XXXX PA XXXX ; my actual address is XXXX XXXX XXXX XXXX, XXXX PA XXXX- I have been at this address since XX/XX/XXXX ). I spoke to representatives on at least XXXX occasions. I explained that I had not received any bills and that I believe it was because they sent them to the incorrect address. 

I asked for them to remove the penalties for the late payment. They were kind enough to remove the late fees ; however, I asked for my credit report to be reissued as I believe I was not at fault for the missed payments. I was transferred to multiple different representatives over the course of XXXX phone calls and no one was able to correct this error. 

My credit score has been severely negatively impacted which will impact my ability to obtain future loans. My credit score was otherwise excellent until this recent error with no missed payments. I am current with the account and have set up auto pay to prevent this from occurring again in the future. 

Thank you for looking into his matter.

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 XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: GA

Complaint narrative:
Complaint : Discrepancies in Credit Reports, Identity Theft Concerns, and Lack of Access to Credit Report via XXXX Personal Information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Phone Number : [ Insert Phone Number ] Company Name : XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX Consumer Assistance Complaint Details : Issue : I am writing to file a complaint regarding discrepancies across my credit reports from XXXX, TransUnion, XXXX, and XXXX. I have encountered the following issues, all of which I have attempted to resolve through the credit reporting agencies, but without satisfactory resolution : Inaccurate Personal Information : My credit reports contain outdated and incorrect personal information, including incorrect addresses, phone numbers, and employer information. Despite my multiple requests to update and correct this data, it remains inaccurate. 

Identity Theft Concerns : I am a victim of identity theft, as documented by the attached police report ( Case XXXX XXXXXXXX ). Fraudulent accounts have been opened in my name, and I am unable to access these fraudulent accounts to review their details. Additionally, checks were stolen to further justify this identity theft. I have filed a police report and an identity theft report with the Federal Trade Commission ( FTC ). These documents are attached as evidence. 

Failure to Provide Access to Credit Report via XXXX : I have a subscription with XXXX to access my credit reports, but I am currently unable to access my credit report. This lack of access is preventing me from reviewing the status of my accounts and taking necessary action against the potential identity theft. 

XXXX XXXX XXXX XXXX : The credit reports from the XXXX major bureaus, XXXX, XXXX, and TransUnion, display inconsistent information regarding the same accounts. Account numbers, payment status, and other details differ, suggesting errors and possibly fraudulent activity.

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