vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 solution as money was stolen and false XXXX k forms were created that was not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CT

Complaint narrative:
I have consolidated all my credit cards and 98 % paid, I have inaccurate reports on all of the credit reports charged off but all paid, late payment was during the process of the consolidation program process and once the process was complete accounts were paid, but reports still read late payments, charged off inaccurate. I had requested this be resolved XXXX XXXX, XXXX and Transunion causing denial.

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 2025-01-18 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: CT

Complaint narrative:
I have consolidated all my credit cards and 98 % paid, I have inaccurate reports on all of the credit reports charged off but all paid, late payment was during the process of the consolidation program process and once the process was complete accounts were paid, but reports still read late payments, charged off inaccurate. I had requested this be resolved XXXX experian, XXXX and XXXX causing denial.

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$750.00} Open Date XX/XX/XXXX XXXX Balance {$2600.00} Open Date XX/XX/XXXX XXXX Balance {$2500.00} Open Date XX/XX/XXXX XXXX  Balance {$2300.00} Open Date XXXX XXXX, XXXX XXXXXXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$750.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$530.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX 2023

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against XXXX 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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MI

Complaint narrative:
I was the victim of data breach with Experian and have found that some accounts attached to my credit reporting to be inaccurate and unknown. I have reached out in the past to properly resolve some, while new one have showed up. I could use some help with investigating and removing these as follows : XXXX XXXX for a loan amount of {$600.00} with check n go, as well as XXXX XXXXXXXX XXXX account that doesnt show any amount except highest balance for {$500.00}. XXXXl XXXX credit card for {$240.00}. Old names and addresses that I have never lived at, as well as all hard inquiries where my credit was checked. There are also charged off accounts which means they were paid by someone else that still shows on my record for XXXX XXXX  and govt credit card and discover bank. I am aware of a lawsuit with CFPB against Experian and I would like to get some help and clarity with these accounts as these inaccuracies caused financial harm and hardship. The {$130.00} was not enough to assist with higher interest rates and denials that came along with this.

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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
SELF / LEAD Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, XXXX, TransUnion I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they XXXX be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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 2025-01-18 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: NC

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 in unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
My account with XXXX XXXX was paid off in full on XX/XX/year>. 
Proof of unpaid debt owed to XXXX XXXX was requested by XXXX, XXXX and Transunion on my behalf and as a result due to not providing proof Tally Technology was removed from all XXXX credit bureaus. I have already paid off the balance in 2023. Please see emails that validate how XXXX verified my request to close the account and how the balance is paid off. Bounce AI refused to verify the debt was valid or paid in full with XXXX XXXX for over a year.

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 2025-01-18 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 XXXX 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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to express my deep dissatisfaction with Zelle and its handling of fraudulent transactions. Recently, I was a victim of fraud involving your platform, where funds were unlawfully transferred from my account. Despite my prompt efforts to report the fraudulent activity, I have received no meaningful assistance or resolution from Zelle or the associated financial institution. 

Zelle promotes itself as a secure platform for quick money transfers, yet the lack of safeguards to prevent fraud, coupled with the inability to recover funds in such cases, undermines this claim. I find it highly concerning that Zelle does not offer a comprehensive process to address fraudulent activity or provide refunds to affected users. 

When I reached out for help, I was met with a response that essentially absolved Zelle of any responsibility, leaving me to deal with the financial and emotional stress on my own. This lack of accountability is unacceptable, especially for a service entrusted with handling financial transactions. 

I urge Zelle to improve its fraud detection and prevention measures and to establish a robust customer support system that prioritizes the resolution of fraudulent cases. It is imperative that Zelle takes responsibility for ensuring the security and trust of its users. 

I expect a thorough review of my case and a clear explanation of why my concerns have not been adequately addressed. I also request that my funds be refunded promptly. 


XX/XX/XXXX, amount XXXX XX/XX/XXXX, amount XXXX XX/XX/XXXX amount XXXX XX/XX/XXXX, amount XXXX XX/XX/XXXX, amount XXXX

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:
I am filing a complaint against XXXX 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 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 2025-01-18 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 XXXX XXXX  ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MS

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 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. 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 2025-01-18 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: DC

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

These are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk $ XXXX XXXX XXXX170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX - XXXX {$860.00} XXXX XXXX  XXXX XXXX XXXX {$210.00} XXXX XXXX  - XXXX {$2000.00} XXXX XXXX  - XXXX XXXX XXXX Systems XXXX XXXX XXXX XXXX XXXX XXXX {$210.00}

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly under the the recent CFPB lawsuit highlighting significant issues with the platform. Despite being a Zelle user, my financial institution and Zelle failed to investigate my claims adequately after I reported numerous discrepancies. The CFPB findings indicate that Zelle has not only neglected to protect customers but allowed repeat offenders to exploit the system, allowing for scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
Specifically XXXX XXXX failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credi standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX multiple overdraft fees i have incurred. Despite have sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credits. This issues aligns with the CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX  ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 and resolution process was unfair and deceptive as they did not comply with error and 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 2025-01-18 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 XXXX 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 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 2025-01-18 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: IL

Complaint narrative:
I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in credit report. Despite my submissions equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. 
These are the accounts XXXX XXXX bank Go credit me XXXX cash

Company response to consumer: Closed with non-monetary relief