vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: IN

Complaint narrative:
I am filing a complaint regarding fraudulent information on my credit report as a result of identity theft. I submitted a block and delete request to XXXX, XXXX, XXXX pursuant to 15 U.S.C. 1681c-2, providing my FTC Identity Theft Report and all required supporting documentation.

Despite meeting the legal requirements for the removal of fraudulent accounts, the accounts remain on my credit report beyond the mandated four-business-day period for resolution.

I have attached the following documents for your review : 1. My original dispute letter to [ CRA Name ] 2. My FTC Identity Theft Report 3. Supporting documentation to verify my claim Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 2025-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I have rephrased your account as follows : My original financier transferred my mortgage to Planet Home Lending in XX/XX/XXXX. Regrettably, I was unable to make a payment for the entire month due to the fact that Planet Home had not established an account for me. I was also unable to pay my previous lender, as they no longer provided loan servicing. Planet Home furnished an address for payments by XXXX, and I promptly dispatched a cashier 's check. Nevertheless, it took them XXXX weeks to process my payment, which resulted in the impression that I was 30 days late. My original lender verified that my account was transferred to Planet Home as current and up-to-date, despite Planet Home 's assertion that the delay was caused by the previous lender. 

I made a few late payments in XXXX, with some being 30 days or more late. However, I consistently made an effort to make up for the delay. I contacted Planet Home in XX/XX/XXXX to request a hardship accommodation after losing a contract, as I was uncertain if I would be able to secure another one. I submitted all the required documentation for the hardship ; however, it took Planet Home nearly four to five months to process it. I reached out to them on a weekly basis during this period ; however, they were consistently unresponsive and frequently asserted that they had sent requests that I had never received. 

They ultimately processed my hardship request in XX/XX/XXXX, following months of back-and-forth. I was advised to enter into a forbearance, which was to be followed by a promissory note and a partial claim in order to catch up. Planet Home reported that I was over 120 days late on my account, despite the fact that I was in forbearance and continued to make payments during the process. This was incorrect, as I was in the process of making payments and was actually ahead by approximately two months at one point. 

Despite the fact that I adhered to their instructions and made the necessary payments, their reporting had a significant impact on my credit. I believe that their treatment of my account was unethical and unprofessional, particularly in the way they reported me as delinquent while I was in forbearance, a fact of which I was previously oblivious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
I am deeply concerned about Zelles handling of disputes, especially given the recent CFPB lawsuit exposing major issues with the platform. Despite reporting transaction discrepancies, my financial institution and Zelle failed to investigate properly, stating that recovering lost funds and tracking transactions were not possible. The CFPBs findings highlight Zelles lack of consumer protection, allowing repeat offenders to exploit the system and leaving users vulnerable to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There is an inquiry on XX/XX/year> from XXXX XXXX. I'm requesting Transunion remove this immediately.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I was online and looking at possible credit cards, milestone credit card said that they do not put a hard inquiry on your credit report for applying. I applied and within 5 days there was a hard inquiry on my account. After this happened I refused to activate the credit card when they sent it to me and they still open the account and it affected my credit score by XXXX or more points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
Im writing to share my serious concerns about Zelles handling of disputes. Ive used Zelle a lot and reported some issues, but my financial institution and Zelle didnt really look into my claims. They said it was impossible to get my money back and that it was impossible to track these transactions. The CFPBs findings show that Zelle didnt protect consumers and even let people who do this again keep doing it. This is not okay and it makes me worried about how safe it is for me to use Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
Hello, I would like to express my concerns regarding zelles handling of disputes, specifically the recent CFPB lawsuit stating significant issues with the platform. I have used zelle numerous times and have reported fraudulent activity as zelle failed to investigate my claims correctly. They had stated that recovering lost funds was impossible and were also unable to track them. The CFPB findings indicate that zelle has neglected to protect consumers and had allowed related offenders to abuse the system. The actions that were not taken by zelle raise serious concerns about your consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
Consumer personal information was stolen in a data breach of 3 billion consumers personal information. Consumer is requesting that all items identified in FTC Identity Theft Report attached to this complaint are to be deleted immediately from consumers personal credit file report on all XXXX credit bureaus, equifax, XXXX, XXXX, pursuant to The Fair Credit Reporting Act section 605b within 4 business days. Also 15 USC section 1681b permission must be given from me as a consumer to report my personal credit information in order to be listed on bureaus web site portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I had a scam transaction made on XX/XX/year>. I was scammed {$1000.00} from my XXXX  checking account. I contacted XXXX the day the transaction was made and because the money was sent through Zelle they were unable to assist. I contacted Zelle and they said since the money was already transferred I was unable to get back my {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MO

Complaint narrative:
According to my records, the account is marked as Paid P & L, indicating the debt was resolved and written off as a loss. However, despite this notation, the account is still being reported as a charge-off.

This conflicting information is both misleading and damaging to my credit profile. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that information reported to credit bureaus must be accurate and complete. Additionally, 15 U.S.C. 1681i requires creditors to investigate and correct any inaccuracies when a dispute is raised. The current reporting, where a debt is both marked as Paid P & L and a charge-off, constitutes a violation of the FCRA as it provides misleading and conflicting information to potential creditors.

Given that the debt was resolved and written off as a loss, I request the immediate removal of this account from my credit report. This misreporting is damaging to my credit score, and under 15 U.S.C. 1681c, accounts in dispute and incorrectly reported must be updated or deleted.

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 2025-01-16 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and I maintain a joint checking account with Capital One and receive biweekly direct deposits from her employer. Today, XX/XX/year>, she was due to receive her direct deposit, but it was not credited to our account. 

We received no proactive communication from Capital One regarding this issue. Upon logging into the Capital One website, we were met with a vague and uninformative banner stating, " We are currently experiencing technical issues. We are working to fix the problem as quickly as possible. '' This message fails to address the following : the specific products and/or services impacted by the outage the efforts being undertaken by Capital One to rectify the issue potential workarounds for users during the outage It has become apparent that Capital One 's outage is preventing access to bank account funds and disrupting direct deposits. 

My wife 's salary is essential for our family to meet our financial obligations, including paying bills and purchasing household necessities such as food and gas. 

After contacting Capital One and enduring a nearly hour-long hold time, I was connected with a representative who was unable to provide any substantive information about the situation. It was as if Capital One was either unconcerned or uninformed about the severity of the outage. 

We entrusted our finances to Capital One, and they have failed us completely. This incident has shattered our confidence in their ability to provide reliable banking services. We will be closing all of our accounts with Capital One and urge others to do the same. Their mishandling of this serious situation warrants a strong response from customers and regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MO

Complaint narrative:
This account was closed, yet it is still being reported as active and continues to accrue interest, late payments, and an outstanding balance on my credit report. This reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) as well as other U.S. Code regulations governing accurate reporting of consumer credit 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 non-monetary relief
Consumer complaint received 2025-01-16 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: MO

Complaint narrative:
This account was closed, yet it is still being reported as active and continues to accrue interest, late payments, and an outstanding balance on my credit report. This reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) as well as other U.S. Code regulations governing accurate reporting of consumer credit information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
I am writing 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 taking Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglect 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 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I want some of my credit deleted i want to dispute alot of my old credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: LA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXXs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of 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 2025-01-16 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX

Company response to consumer: Closed with explanation