vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX OF XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never XXXX ) according to consumer protection 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 2025-02-01 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:
XXXX OF XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection 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 non-monetary relief
Consumer complaint received 2025-02-01 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:
XXXX OF XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : Late Payments Being Reported This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The not station of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never XXXX ) according to consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CO

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, specifically the recent CFPB lawsuit involving 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 the lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection Act. 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 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
I am filing a formal complaint against Wise US Inc. for wrongful account closure, withholding of my funds, and failure to provide a fair and transparent resolution process. 
Timeline of Events 1. I have been using Wise to receive income and transfer my own funds from my XXXX  account to the U.S.

2. Wise requested income verification, and I fully complied by providing : My tax return My paystubs My bank statement showing salary deposits and Wise transfers 3. Despite my full compliance, Wise suddenly closed my account without notice or explanation and is now holding my funds.

4. Wise has refused to release my funds or provide a process for withdrawal.

5. Customer service has been unresponsive and has not provided a solution. 
Financial harm done My legally earned money is stuck, preventing me from making essential payments. 
Due to Wises actions, I am facing missed payments, financial penalties, and potential overdraft fees.

Wises lack of communication and transparency has caused severe stress and anxiety. 

Violations of Consumer Protection Laws Wises actions violate multiple financial laws, including : 1. CFPB Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Rule Wises unjustified withholding of funds and failure to communicate are unfair and deceptive business practices.

2. Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693f ) Wise must provide a reasonable process to dispute or retrieve funds when closing an account.

3. Financial Conduct Authority ( FCA, XXXX ) Fair Treatment Rule Wise is regulated in the XXXX and must treat customers fairly and provide clear reasons for account closures. 

If Wise fails to comply, I request that the CFPB investigate Wise for unfair banking practices and issue penalties for non-compliance. 

Wise has a pattern of poor compliance management and customer dissatisfaction, as seen in numerous complaints regarding sudden account closures, withheld funds, and lack of due process, demonstrating a failure to uphold fair treatment guidelines under CFPB, FCA, and EFTA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: AZ

Complaint narrative:
I have waited 30 days or more to be refunded monies due or several occasions not being refunded at all. There is never a live person to speak with to address these issues so they go unattended. The online people dont are and always give the same answers. Ask for supervisor to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: WV

Complaint narrative:
Dont know if disputes were ever fully investigated. Sending in complaint due to the lawsuit against Experian.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I used XXXX to send funds. They were sent in error to wrong number and I was unable to reverse transaction or have funds returned.

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 2025-02-01 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App I have XXXX $ worth of fraudulent transactions that cash app could not help me recover my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: OK

Complaint narrative:
I noticed around XXXX of XXXX I started getting charged XXXX by XXXX & XXXX by XXXX & XXXX by XXXX XXXX. I canceled my Card & got a New one in mail but the Charges Continued to happen. I've canceled Card after Card & my Account still gets Charged. On XX/XX/XXXX I Contacted my Bank ( Dave Checking ) & filed a Payment Dispute. They didn't Help in any way. I told them my Account was Compromised but they just Canceled my Card & said I Should Receive a New one in 2 Weeks. I was led to believe when I signed up with Dave I could get a {$500.00} instant Advance which I've been with them XXXX Now & have never Got more than a {$50.00} Advance. I talked to their Customer Service on XX/XX/XXXX & they said I need to wait till the Coming Tuesday & callback because on XX/XX/XXXX I tried to Pay a bill in the Amount of {$160.00} & the Transaction was supposed to Process by XX/XX/XXXX but it is still stuck in a Processing State as of Today XX/XX/XXXX. They have make me pay a {$7.00} Tip everytime I get a Advance with no option to Decline. I've tried to get Information into why but still haven't heard anything. I Recieved A New Card around XX/XX/XXXX I activated the new card & I am still being Charged {$14.00} by XXXX & {$17.00} by XXXX & {$18.00} by XXXX they knowthatmy Account is Compromised but they. They told me to wait till XXXX  to see if the {$160.00} charged to a Card they just Canceled again will go through but they just cancl3d the New Card to send another one even though there is no possible way to stop it being Compromised as well. Dave is Doing False Advertising about the Instant {$500.00} Advance & I just want the XXXX of Unauthorized Tips & Bogus charges back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have occurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian , XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX  Experian EMPLOYERS NOT RECOGNIZED ACCESS XXXX XXXX XXXXCES UNEMPLOYED WITHINCOME 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian , XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXX XXXX  Experian EMPLOYERS NOT RECOGNIZED ACCESS XXXX XXXX XXXXCES UNEMPLOYED WITHINCOME 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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 ( 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 2025-02-01 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: NC

Complaint narrative:
I Am Writing To Dispute Inaccurate Personal Data & The Inaccuracy On XXXX Collections. 

Account Name & Number : XXXX XXXX XX/XX/XXXXXXXX & XXXX. 
1. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Reason : These Names Are Inaccurate On My Credit Profile Attached To 2 Collections. 
Delete This Personal Data & The 2 Collections Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

2. On The 2 Collections The Dates That They Were Opened Are Inaccurate On 3 Credit Bureaus. 

Account Name, Number & Credit Bureau. 
XXXX XXXXXX/XX/XXXX : XXXX Transunion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Reason : These Dates Are Inaccurate. Delete This Collection Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

Account Name, Number & Credit Bureau. 
XXXX XXXXXX/XX/XXXX : XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Reason : These Dates Are Inaccurate. Delete This Collection Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I Am Writing To Dispute Inaccurate Personal Data & The Inaccuracy On XXXX Collections. 

Account Name & Number : XXXX XXXX XX/XX/XXXXXXXX & XXXX. 
1. Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Reason : These Names Are Inaccurate On My Credit Profile Attached To 2 Collections. 
Delete This Personal Data & The 2 Collections Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

2. On The 2 Collections The Dates That They Were Opened Are Inaccurate On 3 Credit Bureaus. 

Account Name, Number & Credit Bureau. 
XXXX XXXXXX/XX/XXXX : XXXX Transunion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Reason : These Dates Are Inaccurate. Delete This Collection Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

Account Name, Number & Credit Bureau. 
XXXX XXXXXX/XX/XXXX : XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Reason : These Dates Are Inaccurate. Delete This Collection Immediately Pursuant To 15 U.S.C. 1681e ( B ) & 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I requested a refund from cash app for sending one but to women by accident. Cash statement that they could not help or they did not try to help me. This is under my cash app name isXX/XX/XXXX

Company response to consumer: Closed with explanation