vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. And in turn, I was victim of scams and money transactions I did not do with no way of getting refunded

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

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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

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. More specific in the events for unauthorized refunds after the completion of a service.

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

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 niether corrected nor removed disputed items despite the evidence i provided.I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federeal law and my rights as a consumer.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
In XXXX XXXX XXXX XXXX Charged me {$180.00} after they cancelled my insurance once I got in an accident and the person hit me. Not only did they charge me they didnt cover the cost of my vehicle leaving me to pay for damages.

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

Complaint narrative:
Iam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

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

Complaint narrative:
i was scammed out of {$15.00}, i paid someone {$15.00} for a product and they scammed me, when i realized they scammed me i went to refund it from cashapp and after a couple tries they didnt let me try to refund it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: OR

Complaint narrative:
In XXXX of XXXX, I began the process of a mortgage loan recast in order to pay down my principal loan and lower my monthly payment. I was instructed by my lender, United Wholesale Mortgage, that if my payment and the loan modification agreement were received by the end of XXXX XXXX, then the loan recast would take effect in XXXX of XXXX. 

I sent the paper work, and the check required to process it ( which was cashed by my lender ) and the wire for the principal payment on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and the loan modification has yet to take effect. 

I have sent my lender multiple messages through their secure messaging portal and have not received an adequate response. The latest response was that the payment has been modified. The PMI has been removed, but the new loan payment amount as specified in the recast modification agreement has not gone into effect. 

I have tried calling multiple times and have been told that I can only send messages to the loan recast department through the secure messaging portal on the website. I have sent multiple messages but only receive one line responses that do not address or answer the questions I have asked. 

To summarize, I have followed all of the instructions given to me by United Wholesale Mortgage, they took my money and have not honored the contract that they provided and refuse to provide any kind of customer service.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Dear CREDIT REPORTING AGENCY RE : UPDATED & VERIFIED ACCOUNTS TO YOUR COMPANY, I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY WITH SUPPORTING DOCUMENTATION THROUGH THE CFPB TO DELETE THESE ACCOUNTS, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE.

SEND ME A DESCRIPTION OF YOUR REINVESTIGATION PROCEDURES FOR EACH INDIVIUAL ACCOUNT LISTED BELOW. IF YOU CAN NOT GIVE ME THE DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT WITHIN 15 DAYS, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. 
1. DELETE : ( XXXX XXXX ) ( ( UPDATE PAYMENT HISTORY FOR XX/XX/scrub> 2024 TO PAID ON TIME, NEVER LATE, PAID AS AGREED 1. PAID AS AGREED, PAID ON TIME, NEVER LATE/UPDATE : ( XXXXXX/XX/XXXX) ) ( I OBJECT TO ANOTHER REINVESTIGATION ) I REFUSE ANOTHER REINVESTIGATION ) YOU HAVE 15 DAYS TO RESPOND TO THIS LETTER WITH THE INFORMATION REQUESTED

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

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXX/XX/XXXXXXXX, NC XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} - Chargeoff XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeoffXX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ChargeoffXX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} - ChargeoffXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Chargeoff XXXX XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} - Chargeoff XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXXXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} - Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I Would like for any negative accounts on my XXXX and Transunion credit report to be removed as they do not belong to me. I am a victim of identity theft and my information has been leaked in a data breach. Accounts that are positive and paid in full belongs to me only. XXXX refuses and has not fully investigated all negative accounts as they reappear after deletion or has never gone away. This is a big inconvenience that is affecting my credit score daily. Here 's a list below of all accounts that has not been removed or reappeared after sending proof numberous of times. 

XX/XX/XXXXXXXX XXXX Account belongs to Ex spouse used my information without my consent/ authorization. 
- XX/XX/XXXXXXXX XXXX XXXX XXXX? XXXXXX/XX/XXXX XXXX XXXX XXXX and any other negative accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I Would like for any negative accounts on my Experian and XXXX credit report to be removed as they do not belong to me. I am a victim of identity theft and my information has been leaked in a data breach. Accounts that are positive and paid in full belongs to me only. Experian refuses and has not fully investigated all negative accounts as they reappear after deletion or has never gone away. This is a big inconvenience that is affecting my credit score daily. Here 's a list below of all accounts that has not been removed or reappeared after sending proof numberous of times. 

-XXXX XXXX XXXX XXXX  XXXX Account belongs to Ex spouse used my information without my consent/ authorization. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and any other negative accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submission, Equifax responded with results stating that the account in question 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, Equifax 's 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 administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

The account under investigations is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
In 2021 my Cash App account was unexpectedly closed without prior notice or a clear explanation. My account was closed then, and I could not remember the balance. I attempted to contact Cash App support through cash, and they could tell me nothing but that my account was closed in 2021. I wanted to understand why my account was closed and how to recover my funds. However, I either received generic responses that did not clarify the issue or did not receive a response at all. 

I am requesting a detailed explanation for the closure of my account and, if possible, reinstatement. If reinstatement is not an option, I would like my remaining balance to be refunded to my linked bank account or sent via check. Additionally, I would appreciate guidance on resolving any outstanding concerns to prevent similar issues in the future.

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

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 filled to take timely and effective measures to prevent and address fraud on their platform, in my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, they did not comply with error, resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress to these violations.

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

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

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

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