vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
I went to pay my employees tonight and my money got held for review. I submitted the necessary info and I am still unable to pay my employees. 

When I asked them when this would be resolved, they told me basically " we don't know. It could be a little or it could be alot. Just hang tight ''. 

Unfortunately that's not going to work when I have people in other countries depending on me to not be evicted from their house. 

The company gladly took my money, and then notified me it would be on hold which is absolutely unethical and probably illegal.

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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I bank with M & T Bank. My boyfriend banks with XXXX XXXX XXXX. He added my bank to do an external transfer to my bank. Later on that week I went into my bank branch to withdrawal the money out of my bank. I wasnt able to do so because my bank labeled it as fraud and blocked my account. They said they were going to look into it. So, I get a phone call from my bank a week later stating that I may have to file a dispute or have my boyfriend contact his bank to see if they can return the money to his account. Im not sure if him contacting his bank will do any justice. He has all the proof to show that this isnt anything fraudulent.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit highlighting significant shortcomings within the platform. Despite my repeated use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud. 
This lack of accountability and transparency is deeply concerning and raises serious questions about consumer protection and financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called my Chase bank to request they send me my renewal credit card. They said I could make the request online so I logged in while they were on the phone. While going thru the steps to order a new card I found someone elses name and address listed as the mailing address where my credit card was going to be sent. I told the person on the phone and they said they didnt have that information and to call back on Monday. I live in California and the address comes back to a lawyer in XXXX, Texas.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In 2021, my Bank of America account incurred {$1100.00} in overdraft charges. Although they refunded {$140.00} initially, they refused any further reimbursement. Subsequently, due to a settlement they lost, the bank began refunding fees to customers, resulting in me receiving a meager {$20.00} check.

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

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX 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
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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX 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 XXXX, 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 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 XXXX 's inaction violates federal law and my rights as a consumer.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account XXXX XXXX

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: FL

Complaint narrative:
Ms XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, can be reached at XXXX or XXXX. As of XX/XX/year>, Experian has verified the other address and declined to remove all other addresses showing on my credit report. 
The Fair Credit Reporting Act ( FCRA ) mandates a XXXX investigation by credit bureaus into disputed information, including addresses. Despite multiple submissions and calls, including fraud reports, providing evidence of the correct address, Experian has failed to comply with FCRA requirements regarding the accuracy and integrity of the information they maintain. 

I have called and sent in evidence of my correct address with a copy of my drivers license and a utility bill. I spoke with multiple representatives adviseing me the other addresses was verified when I request to send me proof of the investigation the stated they're where unable to send me the information I have proff attached that the verified my correct address but refused to remove the other address with it showing verified with no other information to prove or show documentation of the investigation.

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 — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
In 2021 during the ice storm and the freeze here in Texas, a scammer called me pretending to be From Cash app had me do a transfer from my bank account to Cash app and then from there somehow pulled out the money through my cash app and the amount of {$1900.00}. This was the time when there was no power no heat or water in XXXX. XXXX XXXX or Cash app would return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX [ XXXX XXXX JPMCB CARD Jp Morgan & Chase Bank XXXX DE, XXXX Subject : Dispute of [ Unauthorized Charges/ Unknown Charges ] Account Number XXXX XXXX XXXX XXXX Dear XXXX JP Morgan And Chase Bank ], I am writing to formally dispute [ describe the issue, e.g., " an incorrect charge on my credit card statement dated XXXX XXXX for {$2000.00} or " an erroneous entry on my credit report '' ]. According to my records, this charge/error is inaccurate due to [ briefly explain the reason, such as " I did not authorize this transaction, '' " The amount charged is incorrect, '' or " The item was returned and refunded '' ]. 
I have attached copies of relevant supporting documents, including [ list any documents, such as receipts, bank statements, emails, or prior correspondence ], to substantiate my claim. 
I kindly request that you [ state the resolution you seek, such as " remove the charge from my account, '' " correct the error on my report, '' or " provide a detailed explanation and proof of validity '' ]. Please provide a written response confirming your investigation and the steps taken to resolve this matter. 
I appreciate your prompt attention to this issue. I expect to hear from you within [ reasonable timeframe, e.g., " XXXX days '' ] as required by applicable regulations. Should you need any further information, feel free to contact me at [ your phone number ] or [ your email address ]. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
ON XXXX THERE WAS MONEY COMING OUT MY ACCOUNT BECAUSE MY CARS WAS LOST I CALL SOFI AND MADE A DISPUTE THAT THE TRANS ACTION WAS BEING MADE WITH MY CARD NOT USING MY PIN NUMBER BECAUSE THE CARD WAS LOST. THERE WAS TRANSACTION MADE ON THE ACCOUNT FROM XXXX XXXX THE FIRST TRANSACTION XXXX {$290.00} XXXX {$300.00} XXXX {$95.00} XXXX {$290.00} XXXX {$290.00} THE TOTAL WAS : {$1200.00} I JUST NEED MY MONEY BACK FROM FRAUD TRANSACTION. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX 2023 I was scammed out of {$310.00} using cash app by someone posing XXXX XXXX while I was using cash app, The person than purchase XXXX his name was XXXX XXXX XXXX the amount he purchased when I called Cashapp they said my Bank would have to refund me the money, I have since given up after many calls to cashapp.

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: NY

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 ( ETFA ) 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
Portfolio recovery is reporting accounts that arent mine on my credit. Ive sent them FTC reports and they just keep changing the dates on the accounts! I email in and they refuse to respond! They have been sued multiple times, yet they continue to do this kind of stuff!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MI

Complaint narrative:
The company sold to other lenders as well as Nelnet who the loan lender was from the start to much of my information is out here, information is making my credit ability look awful These companies.are doing what ever they want with my information it is affecting my credit score every thing dealing with my credit report

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: Closing an account — Company closed your account
Company: Block, Inc.
State: AR

Complaint narrative:
On XXXX XXXXXX/XX/year>, XXXX XXXX Cash App Support XXXX wrote : Hi We have determined that you are not eligible to appeal your account closure. This is because you violated our Terms of Service. As such, your account will remain closed. As a reminder, this means you can no longer use your account or its features but you can withdraw your money. You can also sell any stocks or XXXX  you XXXX have. 

There are no further details to provide and no further action can be taken. 

To withdraw any remaining funds : XXXX. Tap the Banking tab on your Cash App home screen XXXX. Tap XXXX XXXX XXXX. Select an amount and deposit length XXXX. Confirm with your PIN or Touch ID Your remaining funds will be available within XXXX business days. If you selected XXXX XXXX XXXX, they are already available. 

If you hold XXXX in your account and wish to sell it, follow the steps here in Selling XXXX. 

To withdraw XXXX : XXXX. Tap the Investing tab on your Cash App home screen 2. Select XXXX XXXX. Select the XXXX XXXX ( Next to Sell ) and tap Send XXXX XXXX. Enter the amount of XXXX you want to withdraw ( you can toggle between XXXX or USD ) XXXX. Either tap the top left corner of the screen to access the XXXX code scanner or tap Send to enter the external wallet address manually XXXX. Tap wallet address to confirm XXXX. Tap XXXX XXXX. Tap Confirm or Done For more help, visit our Cash App Help Center at XXXXXXXX XXXX XXXX or contact Support directly through your app. 

If you hold stocks in your Cash App Investing account and wish to sell or transfer them, visit our Help Center for information on Selling Stock and Transferring Shares. 

Selling shares and XXXX may have tax implications. If you have questions about your particular tax situation you should consult a tax advisor. Cash App Investing does not provide investment advice or recommendations. Investing involves risk and you may lose money. XXXX the XXXX XXXX for more on the risks involved with investing. XXXX services provided by Cash App XXXX XXXX, member XXXX and XXXX subsidiary of Square , Inc XXXX 

Cash App Account Services ref :! XXXX.! XXXX : ref

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
Issue with credit card transaction I disputed Dispute number XXXX Im asking for dispute to be re opened I opened dispute for this transaction and they claim its valid What proof did merchant provide Im left without my money and product I purchased Dispute needs a second review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app shut my cash app down due to fraud never use my account in bad way someone got my information and when I ask for investigation they just sent me circles and when they did respond they stood on there decision never did anything wrong or violated there polices

Company response to consumer: Closed with explanation