vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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 formally filing a complaint against Cash App ( Block , Inc. ) regarding inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has not taken timely and effective measures to prevent and address fraud on their platform, which has left my account vulnerable and unprotected.

Additionally, their dispute resolution process has been both unfair and deceptive, as they have not adhered to the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-29 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: CA

Complaint narrative:
I found multiple of my disputes were read unfounded and I know they are issues affecting my credit score. I requested that I can see the information that led them to make that decision. I never received this information and it has been months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 that tracking these transactions were unfeasible. The CFBPs 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 user safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3800.00} Charged off XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3900.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Charged off XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/year> Balance Owed : {$370.00} Collection XXXX  XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} Late/Open XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Late/Open Inquiries in Dispute : XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/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 2025-01-29 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3800.00} Charged off XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$3900.00} Late/Closed XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Charged off XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/year> Balance Owed : {$370.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$4900.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1000.00} Late/Open XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$29000.00} Late/Open Inquiries in Dispute : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$17000.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$97.00} Collection Inquiries in Dispute XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/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 explanation
Consumer complaint received 2025-01-29 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 had a car loan with XXXXXXXX XXXX that I paid off early in advance. I have never had a late payment with this company but for whatever reason XXXX late payments are reflecting on my credit and I have disputed this multiple times asking the Credit bureaus to verify proof of these so-called late payments only after trying to obtain proof from the creditor themselves, and they felt to provide me that proof. This is hindering my credit, and I would like to have it resolved as soon as possible. They have denied my disputes over and over for the past I dont know how many years.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a car loan with XXXX XXXX that I paid off early in advance. I have never had a late payment with this company but for whatever reason XXXX late payments are reflecting on my credit and I have disputed this multiple times asking the Credit bureaus to verify proof of these so-called late payments only after trying to obtain proof from the creditor themselves, and they felt to provide me that proof. This is hindering my credit, and I would like to have it resolved as soon as possible. They have denied my disputes over and over for the past I dont know how many years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I woke up this moring and found out that the complaint I sent in regards to my personal information is stillincorrect.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I woke up this moring and found out that the complaint I sent in regards to my personal information is stillincorrect.

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 2025-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I been trying for months to get it fixed and I called them we can't close your account or let you use it till I give them my information online but they keep denying every picture I sent of my ID I also keep getting PayPal paid you so much in my email and go check it and nothing it's really getting old they need to fix there bugs I was hacked in XXXX of last year closed my account and got new cards still haven't been able to use it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
I have been dealing with an ongoing issue regarding my account ( # XXXX ) for the past five years, with no clear resolution on who owns the debt. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, does not claim ownership of the account. However, the collection agency XXXX XXXX states they are only authorized to collect on behalf of XXXX, even though XXXX no longer owns the account. 

This situation has left me in a continuous loop, unable to determine who is actually responsible for the debt. Neither party is able to provide proper documentation verifying the true owner of the account, making it impossible for me to resolve this matter. 

I am requesting that XXXX provide a formal assessment of the debt, including confirmation of ownership and a detailed breakdown of the account history. This ongoing lack of clarity has caused unnecessary complications, and I need a resolution as soon as possible. 

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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been dealing with an ongoing issue regarding my account ( # XXXX ) for the past five years, with no clear resolution on who owns the debt. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, does not claim ownership of the account. However, the collection agency XXXX XXXX states they are only authorized to collect on behalf of XXXX, even though XXXX no longer owns the account. 

This situation has left me in a continuous loop, unable to determine who is actually responsible for the debt. Neither party is able to provide proper documentation verifying the true owner of the account, making it impossible for me to resolve this matter. 

I am requesting that XXXX provide a formal assessment of the debt, including confirmation of ownership and a detailed breakdown of the account history. This ongoing lack of clarity has caused unnecessary complications, and I need a resolution as soon as possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found multiple of my disputes were read unfounded and I know they are issues affecting my credit score. I requested that I can see the information that led them to make that decision. I never received this information and it has been months.

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 2025-01-29 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 found multiple of my disputes were read unfounded and I know they are issues affecting my credit score. I requested that I can see the information that led them to make that decision. I never received this information and it has been months.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Account got hackedsomeone did a wire and account got closed after havent been able to open another bank account since.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX  I made I transaction with XXXX XXXX XXXX The next day on the XXXX  they canceled that order. Now I've just about had enough of PayPal. PayPal didn't even have that transaction. They tried to take it off my my statement. Because, in order to keep the money. Because guess I didn't see it on there. But XXXX XXXX XXXX was the one that gave me the transaction number and I was able to give it to paypal That's when they, That's when they found it. Okay, they've given me all kinds of different excuses. They contradicted themselves twice now. I came to cfpb because I need something done about this because I'm about to take PayPal out of court, I need for somebody to go in and investigate that transaction. I need for somebody to look themselves to see if that transaction was done the way PayPal claims it was done. Because if not, I'm taking PayPal down. I'm sick and tired of these banks playing with our money. Don't think you're finna, go in my account and just take money that doesn't belong to you so I need for somebody to investigate this to make sure that this is really how it went down and I feel better but if not. Then guess what I'm going to do what I have to do for my {$68.00}. Cause that belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
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