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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per 15 USC 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15 USC 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 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 user 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 2025-01-22 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 tracking these transactions were 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding a misleading promotional offer I encountered when applying for the Delta SkyMiles Gold American Express Card . I believe this situation warrants your attention as it reflects deceptive marketing practices that could harm consumers. 

The promotional offer stated that I would be able to complete a XXXX XXXX purchase immediately upon approval and receive a {$500.00} statement credit. I applied for the card on this basis and was approved. However, I was unable to complete my XXXX XXXX purchase because I did not receive a digital credit card number. 

To resolve the issue, I contacted American Express customer service at XXXX and spoke with a representative named XXXX. She informed me that she could neither issue a digital card number nor expedite the delivery of my physical card and that this was an ongoing issue with other customers. This inability to fulfill the offer rendered the promotion unusable, despite my approval for the card. 

I feel that this promotion was misleading, as it led me to believe I would be able to immediately use the card to complete my purchase and qualify for the advertised benefit. Instead, I faced an unnecessary inconvenience and missed out on the {$500.00} statement credit that influenced my decision to apply for this card. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter to ensure that American Express complies with transparent marketing practices and provides restitution where appropriate. 

Please feel free to contact me at the email address or phone number listed above if further information or documentation is needed. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.

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: NH

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 a 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: MS

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: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Money was transfer for business purposes. Cashapp closed my account due to fraud. There was no fraudulent activity. They also didnt give me a reason on fraud. I couldnt get in touch with anyone to discuss the matter. Since then I wasnt able to open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX I sent a check for a magazine renewal for {$36.00}. I sent it from the postal box in front of my bank just before the XXXX pick up. On XX/XX/XXXX I saw the check I made out to XXXX XXXX XXXX for {$36.00} was altered to XXXX XXXX for {$500.00} for rent. The date on the check was changed from XX/XX/XXXX to XXXX. It was a very bad whitewash of the check as you can clearly see my writing where they wrote over and made the changes. I immediately called my bank. I then went to the bank to file all of the paperwork as well as close my account and open a new one. I asked if they would file a police report. They said no, I would need to do that if I wanted. I went to the district police on XX/XX/XXXX. They would not take a report from me. They said the bank had to file. The bank refuses and will not give me a reasonable timeframe as to when I will receive my money back. They said it could take a year! I copied the check before I sent it as I often do for subscriptions so they have the real check I sent and the altered one. They can't tell me what else they need to get this moving. I asked to speak to a bank manager and received no call back. I am not only out the {$500.00} they took out of my account but also a half days work and {$68.00} for a box of new checks.

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 monetary relief
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX  shall remove the listed fraudulent and misleading account below from my consumer report. Reporting this account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX XXXX and you can also violate 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2025-01-21 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: CA

Complaint narrative:
I am writing to formally request the removal of several hard inquiries on my credit report that resulted from the XXXX data breach in XXXX  where my social security number was found. The hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. After reviewing my credit report, I noticed multiple hard inquiries that I did not authorize or initiate, and I believe they are directly linked to the breach. I would like to clarify that I am not associated with these inquiries in anyway, nor did I consent to them, Given the circumstances surrounding the breach, I respectfully request that these inquiries be removed from my credit report as they are inaccurate and unfairly impact my credit score. Thank you for your attention to 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a small business checking account with Truist Bank on XX/XX/XXXX taking advantage of a welcome offer XXXX where if I made qualifying deposits of {$2000.00} or more I would get rewarded a {$400.00} bonus. Another condition of the terms is that I should open the account between XX/XX/XXXX through XX/XX/XXXX and that I can not have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date ( i.e., on or after XX/XX/XXXX ). 
Checking the terms of the offer, since my last business account with Truist was closed on XX/XX/XXXX, this would make me eligible for the offer. However, on XX/XX/XXXX, I get an automated email from Truist telling me that I am not eligible to participate in the offer. I do have written confirmation from the branch manager who assisted me in closing my account back in XX/XX/XXXX which confirmed that my account had been closed ( attached here ). 
From when I closed my account on XX/XX/XXXX until present day, my online access was disabled, I haven't received any statements from Truist and not even a promotional email. Based on this and the fact that I got an official communication from a branch manager that my account was closed, obviously I assumed the account was closed. Back in XXXX I stepped into the branch with the purpose of closing the account when the branch manager told me the account has been already closed and there is no further action I could take. When she showed me her screen showing the status closed on my account, I asked her if she could send me that screenshot. She said that per their policy they can't send screenshots of their internal system but offered to send an email confirmation stating that the account was closed, which I agreed.

Calling Truist after getting the email, I was told my account actually got closed on XX/XX/XXXX ( which is after promotion start date of XX/XX/XXXX ). As far as I am concerned as a small business owner, my account was closed on XX/XX/XXXX - hence the confirmation email and the fact I haven't received any further communication from Truist. How is their backend system treats the closure, that I am not sure, but one would assume if you get a confirmation that account is closed, it is indeed closed. Truist is eager into returning back their customers but continues to pull shenanigans like this to avoid complying with their own terms and conditions.

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
The name is Freedom Mortgage Company. I asked them to close my escrow account because we want to pay our taxes and insurance so we can lower our mortgage payment. They said we can not do it because we did a modification in XX/XX/year> to lower our interest rate to XXXX. Our mortgage payment was going up every year until it got up to {$2000.00} a month for the year, the reason why because the insurance company was making us pay {$5500.00} a year. The insurance company was XXXX XXXX, they kept raising the premiums every year for three years because we put in a claim for a new roof. We had to get a lawyer to fight the insurance company to pay for the roof. This year we got fed up every one pulling money from us and we decided to pay our own taxes and insurance. The mortgage company said we have to keep paying the escrow account for the life of the loan because of the modification. We are senior citizens trying to reduce our payment because it is getting harder every month to pay the mortgage. We got rid of that insurance company and got one that is affordable, but our mortgage is still high at {$1900.00} per month at 2.7 interest rate. They wont let us pay our taxes and insurance company ourselves. Theyre still taking {$770.00} in escrow from us. Our taxes for the month is {$360.00} and our insurance is {$110.00} per month. We just want them to let us pay our own bills. To release our escrow account to us because we feel that they are doing something fraudulent with the account. 
If we stop paying that escrow our payment would be {$1100.00} a month

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