vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 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 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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank on XX/XX/year>, on or around XXXX pm PST. I dialed ( XXXX ) XXXX. The automated system, also known as Interactive Voice Response ( IVR ) was difficult and kept repeating the same question. I asked it several times to transfer to an agent and it refused, causing an undue delay. It asked for the last four numbers of my credit card. I said I dont have it. The IVR said : you have a missing credit card is that right? I kept saying no and it kept asking me the same question. The IVR has been difficult for years and this is not a one-time isolated event, rather, this is a pattern and practice. In addition, I have submitted a valid complaint about the IVR in the past to the CFPB and XXXX  in previous years, and today in 2025, its still an ongoing problem. This is evidence that Citibank has failed to ameliorate the IVR and has ignored my valid complaints altogether. This is unacceptable and inappropriate. I seek to hold Citibank accountable.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

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 FAILE 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 SOLUTION REQUIREMENTS UNDER THE ELECTRONIC FUND TRANSFER ACT EFTA AND REGULATIONS E. THESE ACTIONS HAVE CAUSED SIGNIFICANT INCONVENIENCES AND FINANCIAL LOSS AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Subject : Debt Validation Request for Account I am writing in response to your recent communication regarding the alleged debt an account. I do not acknowledge this debt and am requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Please provide the following information : 1. The original creditors name, address, and account number.

2. A detailed explanation of how the debt amount was calculated, including fees and interest.

3. Copies of any original agreement or original contract proving that I am legally obligated to pay this debt.

4. Proof that your agency is authorized to collect this debt on behalf of the original creditor.

5. A copy of any judgment, if applicable. 

While this debt is under dispute, you are required to cease all collection activities, including reporting this account to credit bureaus or pursuing legal action, until you provide the requested validation. 

If you can not provide sufficient validation, I request that you stop all collection efforts and remove any negative information related to this account from my credit report. 

Thank you for your cooperation. I look forward to your prompt response.

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: 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:
On XX/XX/XXXX, I looked at my report. I sent a letter to Experian asking them to reinvestigate these accounts : XXXX XXXX XXXX. 
On day XX/XX/year>, XX/XX/year> AND XXXX XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted the BOA customer service team through both a phone call and an email regarding a {$270.00} airline change fee from XXXX XXXX XXXX, charged to my BOA XXXX XXXX XXXX credit card ending in XXXX. During the call, the representative confirmed that this charge would be applied toward my XXXX XXXX XXXX XXXX XXXX, as the transaction date ( XX/XX/XXXX ) qualified it for the benefit. 


On XX/XX/XXXX, I followed up via email because {$130.00} of the {$270.00} charge remained uncredited, despite having {$300.00} available for the XXXX XXXX XXXX XXXX XXXX. I initiated a dispute for the {$130.00} charge and requested that the credit be processed within two business days. I also indicated that I would escalate the matter if it remained 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 monetary relief
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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Old residents and other incorrect information were disputed but never removed when advised from the party that negative items were being removed nor were it was letter sent stating the outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

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 our funds. This situations 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/year> XXXX first attempt to inquire information. Sent in circles XX/XX/year> XXXX second attempt to acquire why this ability is only extended to specific customers. Again ignored and sent around in circlesz XX/XX/year> XXXX third attempt to acquire information. Agent deliberately bounced around subject and would not answer question or provide any information. 

XX/XX/year> XXXX final attempt before submitting report. Still bounced dodged answering the question why do specific customers have the ability to turn off their cards and deny transactions, and select a box that says opt out of recurring transactions but you dont extend that ability to everyone? Was never given an answer for the question.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Request for Investigation into Equifax 's Reporting Practices Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating Equifax for its handling of my credit report. I have encountered numerous issues that suggest improper and potentially unlawful practices that have caused significant harm to my credit standing. 

Reasons for Dispute Reinsertion of Previously Deleted Inaccuracies : Equifax has repeatedly reinserted charges and accounts into my credit report that were previously investigated, disputed, and deleted. These items continue to reappear without any notice or explanation, contrary to the Fair Credit Reporting Act ( FCRA ) requirements. 

Incorrect Address Listings : My credit report contains multiple instances of addresses I have never lived at, despite my efforts to dispute and remove them. These inaccuracies have reappeared multiple times after being corrected, leading to confusion and potential misrepresentation of my creditworthiness. 

Failure to Investigate Disputes Properly : Despite providing documentation and evidence supporting my disputes, Equifax has failed to adequately investigate or correct the errors in my credit report. Instead, they have provided generic responses and dismissed my claims without resolution. 

Recurring Inaccuracies : I have noticed recurring inaccuracies, such as outdated or incorrect account statuses, that remain on my profile despite being flagged in previous disputes. This has led to unjustified negative impacts on my credit score. 

Impact on My Life These ongoing issues with Equifaxs reporting practices have made it difficult for me to secure loans, housing, and other financial services. Additionally, the repeated need to dispute the same inaccuracies has caused unnecessary stress and financial strain.

Lender Name : Amount : {$45000.00} Issue : Loan was taken out in my name without my consent. Despite reporting this fraud to the lender and credit bureaus, the loan remains on my credit report. 

Issue : Unauthorized personal loan opened using my information. The lender did not follow up on my dispute or provide resolution.

Company response to consumer: Closed with explanation
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: 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 violates the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deseptiive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. This actions have caused significant inconvenience and financial loss and Im seeking appropriate redress.

Company response to consumer: Closed with explanation
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: Block, Inc.
State: IL

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. 

On XX/XX/year>, {$45.00} I added money to my cash app to buy something online I changed my mind. when I withdrew my money, I got it but noticed I was missing {$45.00} still.

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: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Service has violated me as a consumer. I'm unaware how they've obtained my person information, but I did not give them permission to my personal information or consumer report per 15 USC 6802. Credit Collection began accessing my consumer report on July 2024-January 2025.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-01-21 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 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 XXXX financial loss, and I seek appropriate redress for these violations.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account 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 2025-01-21 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: IL

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. 
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 2025-01-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of the Equifax data breach. Please remove and block fraudulent accounts and inquiries from my credit report, Per Section 605B of the Fair Credit Reporting Act 15 USC 1681c-2 Please send me written confirmation within XXXX business days XX/XX/year> confirming that the fraudulent XXXX XXXX XXXXXXXX account and any related unauthorized inquiries have been fully removed from my credit report.

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: Block, Inc.
State: WI

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