vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. Account name : XXXX XXXX Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX Account number : # XXXX XXXX. Account name : XXXX Account number : # XXXX XXXX credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file.

I was informed by this credit reporting agency that the Account name : XXXX XXXX  : Account number : # XXXX was DELEDED from my file. 

XXXX lied to me and the CFPB since the account : XXXX XXXX XXXX Account number : # XXXX above still show on my credit report. 

I filed a complaint with the CFPB. Complaint # XXXX in which the company responded the account above was deleted from my credit file I filed a complaint with the CFPB. Complaint # XXXXXXXX XXXX trickery continues furnacing disputed and previously deleted information from my credit file. 
I have summited to XXXX  credit report XXXX theft reports several times : FTC REPORT # XXXX FTC REPORT # XXXX I request XXXX supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this 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 2025-01-19 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: PA

Complaint narrative:
I am writing to file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements Particularly 15 USC1681e ( b ) ,1681i ( 5 ), and 168c ( c ). despite multiple written disputes regarding inaccuracies on my credit report, XXXX has refused to conduct proper investigations or correct the errors as mandated by law I have sent dispute letter to Experian regarding this Account XX/XX/XXXXXX/XX/XXXXXXXX. I have provided detailed evidence supporting your disputes. Experian either failed to respond adequately or continued reporting incorrect information. This Failure has caused harm to my credit score, impacting my ability to secure 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
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 2025-01-19 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 CashApp ( 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, theirs dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulatin 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling 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, and 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 acts have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
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 using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
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 ( 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 XXXX XXXX XXXX XXXX  ( 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 2025-01-19 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: NC

Complaint narrative:
Sent in disputes for incorrect information on my report and they have not corrected the issues.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
you and your account. 
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 2025-01-19 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: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mo ) Account status Open Type XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Closed XXXX Reported : XXXX XXXX, XXXX - {$6200.00} Closed Overview You're currently using 118 % of your account 's limit. 

XXXX {$6200.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$4400.00} Closed Overview You're currently using 117 % of your account 's limit. 

XXXX {$4400.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1600.00} Closed Overview You're currently using 126 % of your account 's limit. 

Balance {$1600.00} Credit limit XXXX XXXX Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1300.00} Closed Overview You're currently using 133 % of your account 's limit. 

Balance {$1300.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Reported : XXXX XXXX, XXXX - {$2400.00} Closed Overview You're currently using 124 % of your account 's limit. 

XXXX {$2400.00} Credit limit XXXX XXXX  Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) These are not my accounts and I want them removed

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mo ) Account status Open Type XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Closed XXXX  Reported : XXXX XXXX, XXXX - {$6200.00} Closed Overview You're currently using 118 % of your account 's limit. 

XXXX {$6200.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$4400.00} Closed Overview You're currently using 117 % of your account 's limit. 

XXXX {$4400.00} Credit limit XXXX XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1600.00} Closed Overview You're currently using 126 % of your account 's limit. 

Balance {$1600.00} Credit limit XXXX XXXX Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Reported : XXXX XXXX, XXXX - {$1300.00} Closed Overview You're currently using 133 % of your account 's limit. 

Balance {$1300.00} Credit limit XXXX XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX Reported : XXXX XXXX, XXXX - {$2400.00} Closed Overview You're currently using 124 % of your account 's limit. 

XXXX {$2400.00} Credit limit $ 2000 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) These are not my accounts and I want them removed

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 2025-01-19 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: CA

Complaint narrative:
I found fraudulent inquires in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plese remove that inquires in my credit repor

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-01-19 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: FL

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 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 infeasible. The CFPBs 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 2025-01-20 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I disputed information XXXX years ago and it was removed from my XXXX XXXX and now it has been added back. Under the XXXX law this should not be on my credit.

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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> the company oportunprog reports a charge off and late payments on my credit report, if the account is closed and a charge off then by law its not supposed to report negative on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am 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 ( 1 ) 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 2025-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a mortage with rocket mortage and was in forbearance, when I came out of my forbearance in XXXX of XXXX  I was contacted by American premiere lending stating the purchased my loan from rocket mortage and to continue to make my payments to them instead or rocket. So I made my payments to them and was never contacted by rocket mortage. So in about XXXX I was victim of someone hacking my bank account and had to close it upon doing this i went to set up my automatic payment and couldn't find the company I was paying and this is when I found out they did not exist and rocket was still in charge of my mortage and American premiere was not paying them they were keeping my money. So now I'm 8 payments behind and in pre forclosure. I don't want to loose my house and be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Merchant Name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$290.00} Transaction Date : XX/XX/XXXX I placed an order with XXXX XXXX, but I never received the items. I attempted to dispute the charge with American Express, but they did not assist me. As I never received the products, I should not be held responsible for this charge, in accordance with their policy. 

Please assist me in obtaining a refund for the items I paid for but never received. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding XXXX  's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX  numerous times and reporting discrepancies, my financial institution and XXXX  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 XXXX  has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 redres for these violations.

Company response to consumer: Closed with explanation