vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I disputed a transaction with XXXX  because the merchant did not refund my money as promised for an order that wasnt recieved. Ive contacted and spoke with XXXX multiple times, have still not received an email back from them on why the dispute has been extended longer, no provisional credit has been given and was supposed to be when it surpassed the 10 day investigation mark, and was not given and still hasnt been. Ive provided XXXX plenty of proof of the merchants admitting they didnt deliver my order, and that they have been dishonest and uncooperative, and the merchant still has not responded to XXXX XXXX I contacted the company directly to keep getting excuses and forwarded to a voicemail box that isnt accepting new messages. Ive contacted XXXX customer service multiple times, and have asked for an update, and explanation as to why I havent gotten a provisional credit that I am entitled to, based on XXXX  terms and conditions and through consumer protections regulation E rule. I still have gotten no resolve, no provisional credit, and no update from XXXX. Ive reached out through live chat and emailed them several times. No response. This is unacceptable and breaks the user rights under terms and conditions. I want what is due and fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency it remains unresolved. I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history.

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

Complaint narrative:
X I am filing a complaint against Cash App ( 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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXXm falling a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violates the customer 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent activity on my credit report.Please remove these account from my credit report they are affecting my ability to obtain credit

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

Complaint narrative:
I am filing a complaint against Cash App (

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted 6 different disputes on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I submitted disputes I asked for evidence to show this needed to be on my report. All I got back was an email stating it will stay on my report. No evidence of an investigation being done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
Report information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally request assistance in addressing an issue with US Bank National Association regarding their decision to decrease my revolving credit limit by {$1000.00}. This decision was reportedly based on information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX U.S. Bank stated ; your credit score was XXXX based on information in my credit report. 
It further states the key factors that impacted my score were : Too many recently opened bank card accounts, Too few joint accounts, Too many inquiries, Monthly obligations are too high. 
I was directed to contact XXXX if I had any questions. 
Verification of Inaccuracy : After contacting XXXX on XX/XX/XXXX and reviewing my credit report in which I keep all credit reports frozen. I found no such information that would justify this decision. 
XXXX also confirmed that all of the information cited by U. S. Bank was incorrect and does not reflect my actual credit report. XXXX stated that the credit score on file on XX/XX/XXXX was XXXX and my account was in good standing concerning the other factors that led to this decrease by U.S.Bank Despite this and after speaking with three different representatives at U.S. Bank including a supervisor ( lanna ) reference number XXXX, I was directed back to XXXX to file a dispute without any offer of a resolution. 
The unjustified reduction in my revolving credit limit has negatively impacted my credit utilization ratio, potentially harming my credit score and financial standing. It has also caused unnecessary stress and inconvenience. 
I believe U.S. Bank 's actions are not only unfair but may also violate the Fair Credit Reporting Act ( FCRA ) which mandates the accuracy of information used in credit-related decisions. Their Refusal to correct this error despite my efforts to provide proof of the inaccuracy further exacerbates the issue. 
I am seeking assistance to investigate U. S bank actions and ensure compliance with FCRA requirements. I further request the bank to restore my revolving credit limit to its previous amount. 
I appreciate your time and attention in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: 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:
Equifax reporting account inaccurately. 
This account is closed and paid off. 
Remove this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute on a bankruptcy that I do not recognize reporting on my credit report. I requested them to provide documentation from the courts of the public record. Experian denied to follow up with the investigation. I was recently notified that the CFPB filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This is similar to my current situation. Experian has not attempted to remove or correct my information. I am requesting that this derogatory remark be removed or corrected IMMEDIATELY as its affecting my chances to refinance my mortgage. Experian violates my rights as a consumer, as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app defrauded me XXXX XXXX is my account name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiries on My Equifax Report Dear CFPB, I am writing to file a complaint regarding multiple unauthorized and outdated inquiries that are appearing on my Equifax credit report. These inquiries were made without my consent and continue to negatively impact my credit profile. Below are the details : Unauthorized Inquiries : XXXX. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. Equifax Mortgage Services Inquiry on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX ) XXXX. Additional inquiries dating back to XX/XX/XXXX and earlier, including XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and others, which I did not authorize. 



Issues : 1. I did not provide consent for the above-listed companies to perform hard inquiries on my credit report. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which states that consumer consent is required before any hard credit inquiry is conducted. 


2. Some of these inquiries are outdated and should no longer be reported. Under the FCRA, hard inquiries should automatically drop off my credit report after two years. However, old inquiries remain on my report despite this timeframe. 



Actions Taken : I contacted the companies involved to dispute these inquiries but received no satisfactory resolution. 

I also disputed these inquiries directly with Equifax ; however, they have not been removed or properly investigated.

Request :

1. I am requesting an immediate investigation into these unauthorized inquiries and their removal from my Equifax credit report. 2. I also request that Equifax be held accountable for failing to ensure accurate reporting under the FCRA, specifically Sections 604 ( a ) ( 2 ) and 604 ( c ), w
hich govern permissible purposes for obtaining consumer reports. 



These inquiries are unfairly damaging my credit score and financial reputation. I respectfully ask the CFPB to intervene and ensure that my rights as a consumer are upheld. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2900.00} XXXX XXXXXXXX XXXX {$14000.00} XXXX XXXXXXXX XXXX {$2400.00} XXXX XXXX {$43000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS LEAKED IN MULTIPLE DATA BREACHES. WHICH RESULTS IN MULTIPLE ACCOUNTS REPORTING FRAUDULENT TO MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I didnt give no one, my approval to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: 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: IL

Complaint narrative:
XXXX XXXX XXXX have 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 them, 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 XXXX & XXXX has 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 their 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Equifax have 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 them, 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 XXXX & Equifax has 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 their inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding my credit report. XXXX consistently responds within 24 hrs. stating that the account is accurate without providing evidence of a proper and thorough investigation of dispute. this practice violates the fair credit reporting act { FCRA } 15 U.S.C. 1681i, that mandates responsible investigations of disputes. XXXX actions may also violate financial protection act 12 u.s.c 5536 [ a1 ] -b as highlighted in the CFPB 's recent administrative proceeding file # XXXX against them for the same practice I ask that CFPB ensures XXXX complies with federal law with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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