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: Early Warning Services, LLC
State: LA

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 2025-01-20 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: UT

Complaint narrative:
I am filing a complaint against Equifax XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax / 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, Equifax 's / TransUnion 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 Equifax XXXX XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: OH

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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MA

Complaint narrative:
Formal incident number equifax XXXX my info was in a recent breach and past breaches I just recently found out about and my life the past few months has been kinda XXXX XXXXXXXX XXXX and interfering with my life in know sign ins multiple thing call me I can explain to much to type please contact equifax regarding my calls from XXXX  and XXXX also the same dates for XXXX also XXXX with tracfone my XXXX phone kids life has been compromised my calls are routed to the scammers I found my infos been pasted? 
Call forwarding scam/mirroring scam my XXXX and XXXX been hacked and they changed my passcode locked me out Im being to XXXX XXXX to see what happened I have recording of the calls because after it happened a few times I then started to recorded and let them know when they were trying to get me to disconnect the call or when they would start acting funny I would press the record button then they would follow through but after getting off the phone Id be locked out of my credit accounts XXXX and equifax, XXXX have recordings I have so much thats just unexplainable

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Cash app has all my personal information. I use cash app to get deposit but they said I couldnt do anything about removing another person name! Apparently my account with my bank information is under someone else instead of my name XXXX XXXX XXXX. 

My info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX I want reported account to only have my name on it. Its all my information except that. This has to not be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This is regarding Portfolio Recovery Associates , LLC. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX On XX/XX/XXXX I was summoned by Portfolio Recovery Associates , LLC a complaint was filed against me. With the summons I received a copy of XXXX statement with a balance. I responded to the summons and requested by certified mail to Portfolio Recovery Associates , LLC and XXXX attorney XXXX XXXX XXXX on XX/XX/XXXX requesting proof of purchase from original creditor, XXXX of custody and dates with collector XXXX correct order. Proof of contract from original creditor showing my signature to start the relationship with XXXX XXXX The demand letter from the original creditor. Privacy notice. Explanation on how Portfolio Recovery Associates , LLC was able to have access to private information. Requested balances, payment history, balances after the made payment and interest rate disclosures, credits, charges with all signatures and PIN code authorizations on all alleged charges. The complete account. 
A court date was scheduled for XX/XX/XXXX I did not receive a response from Portfolio Recovery Services or their attorney XXXX XXXX XXXX. A second request was sent on XX/XX/XXXX with no response. 

A notice was filed XX/XX/XXXX from the plaintiff Portfolio Recovery Associates , LLC of the voluntary dismissal of this action without prejudice at Plaintiffs cost. 

This company has refused and will not provide requested information yet I have received a statement requesting I pay said balances.

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 — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX XXXX I need this information removed from my profile.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 unreasonable. The CFPBs findings indicate Zelle had not only neglected to protect consumers but also allowed repeating offenders to exploit the system, leaving users vulnerable to the scams. This 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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: 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 of 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: Early Warning Services, LLC
State: CO

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I want to file a complaint against Cash App ( Block , Inc. ) for bad customer service and unfair practices. They didnt do enough to stop or handle fraud on their platform, which left my account exposed and unprotected.

On top of that, their process for handling disputes was super unfair and misleading. They didnt follow the rules for resolving errors under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This whole situation has caused a lot of stress and inconvenience, and Im asking for the proper help to address this.

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: AR

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 procer 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 34 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
Credit acceptance corporation for the balance of XXXX opened XX/XX/XXXX Is a case of identity theft the account must be removed no later that 4 business days. 

XXXX Opened XX/XX/XXXX for the balance of XXXX Is a case of identity theft the account must be removed no later that 4 business days.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
[ Equifax Information Services LLC ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] Subject : Dispute of Unauthorized Credit Inquiry Under the Fair Credit Reporting Act Dear [ Equifax ] , I am writing to dispute an unauthorized credit inquiry listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute and request a reinvestigation of any information on my credit report that I believe to be inaccurate or unauthorized. 
The specific inquiry I am disputing is as follows : Creditor Name : [ XXXX ] XXXX # XXXX Date of Inquiry : [ XX/XX/XXXX ] Creditor Name : ( XXXX XXXX XXXX ) XXXX # XXXX Date of Inquiry : ( XX/XX/XXXX Creditor Name : ( XXXX XXXX XXXX ) XXXX # XXXX Date of Inquiry : ( XX/XX/XXXX ) Creditor Name : ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date of Inquiry : ( XX/XX/XXXX ) I did not authorize this inquiry, and it does not meet the permissible purpose requirements outlined in 15 U.S.C. 1681b. I am requesting that this inquiry be investigated, and if it can not be verified as legitimate, it must be promptly removed from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a written response detailing the results of your investigation. This response should include the steps taken, the findings of your investigation, and any documentation used to verify the legitimacy of this inquiry. 
To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID to confirm my identity. 
A utility bill or bank statement to verify my current address. 

Legal Obligations : 1. 15 U.S.C. 1681i ( a ) ( 1 ) : Credit bureaus must conduct a reasonable reinvestigation of disputes and verify the accuracy of the information in question. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If an item can not be verified, it must be promptly deleted from the credit report and not reinserted without proper certification. 
3. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Credit bureaus are required to provide a detailed written response explaining the results of the investigation and any actions taken. 
As mandated by the FCRA, I expect this investigation to be completed within the 30-day timeframe established by 15 U.S.C. 1681i ( a ) ( 1 ). If the inquiry is found to be unauthorized, I request its immediate removal and written confirmation of the resolution. 
Should you require further information or have questions regarding my dispute, please contact me directly at [ XXXX ]. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ]

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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts listed are not mine and we open without my authorization : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Credit inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX  XXXX XXXX XX/XX/year> I am submitting this statement to provide additional context regarding the collection account listed on my credit report. The debt in question is related to XXXX XXXX in XXXX, and I acknowledge that it resulted from I was paying month-to-month for my housing, which led to some confusion regarding the balance owed.

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: IA

Complaint narrative:
I am writing to express my concerns with how Zelle handles their disputes. I was comfortable using this until I realized I was just losing money. I have had my account for years.

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: TX

Complaint narrative:
, I am writing to file a formal dispute regarding several unauthorized hard inquiries listed on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). These inquiries have negatively impacted my credit score and appear to have been made without my explicit consent. 

Summary of Unauthorized Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : XXXX XXXX To my knowledge, I have not signed any documents authorizing the above-listed organizations to access my credit history. The FCRA Section 1681b ( a ) : Permissible Purposes of Consumer Reports, and Section 1681b ( c ) : Transactions Not Initiated by Consumer, clearly outline that credit inquiries require my explicit authorization. These inquiries appear to be a violation of federal law. 

Requested Actions : Conduct a thorough investigation into these inquiries. 
Verify if any documentation exists bearing my signature authorizing these inquiries. 
If documentation exists, please provide a copy for my review. 
Remove all unauthorized inquiries from my credit report. 
Remove my personal information from the records of the organizations responsible for the unauthorized inquiries. 
Provide written confirmation of these actions. 
For clarity, I will only accept documentation that contains my signature explicitly authorizing the inquiries. If no such documentation exists, I expect immediate removal of the inquiries as well as confirmation that my personal information has been removed from the relevant organizations ' records. 

Enclosed with this submission, I have provided copies of my identification and proof of address to assist in verifying my identity. 

I respectfully request your prompt assistance in resolving this matter, as the unauthorized inquiries have caused unnecessary harm to my credit score and financial standing. Please confirm receipt of this dispute and provide updates on the resolution process. 

Thank you for your attention to this matter. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of several data breach and there are multiple accounts on my credit report that needs to be removed. 

XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation