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: NC

Complaint narrative:
I'm filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specially 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 fraud transfer act ( Efta ) and regulations 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have inaccurate information on my credit report and needs the following address and names and phone numbers 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 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

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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have inaccurate information on my credit report and needs the following address and names and phone numbers 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 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

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
I have 4 cash app account I have been locked out of with funds on them XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXX And they only prompt me to make a new account then block my other account and keep my money hundreds of dollars now unaccessable

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information in my credit report. I have been a victim of Equifax 's negligence in its credit reporting dispute process, as outlined in the Consumer Financial Protection Bureau ( CFPB ) consent order dated XX/XX/year>. 
As you know, the CFPB found that Equifax violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) in several ways, including : Failing to conduct reasonable reinvestigations of consumer disputes Failing to provide timely notice and all relevant information to furnishers regarding disputes Failing to review and consider all relevant information submitted by the consumer Unlawfully reinserting previously deleted information Failing to provide adequate notices of results of reinvestigations Failing to maintain reasonable procedures to assure maximum possible accuracy related to processing disputes Engaging in unfair acts and practices by using ineffective systems and flawed processes Failing to comply with identity theft block requirements Providing inaccurate consumer reports due to coding failures and other technology failures I have experienced the same issues with my disputes. I have submitted several disputes to Equifax, but inaccurate information remains on my credit report. I have included copies of my prior dispute letters and any supporting documentation. 
Due to Equifax 's negligence, I am requesting the following remedy : Removal of the following negative accounts from my credit report : 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 I believe this is a fair and reasonable request given Equifax 's repeated failures to comply with the FCRA. I hope that Equifax will take this request seriously and take immediate action to correct my credit report.

I look forward to hearing from you soon. 
Sincerely, XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 actions may also contravene the Consumer Finanical Protection Act ( CFPA ) ,12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax 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: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
Was out on an auto payment plan for credit repair promised results in 90 days no results and plan keeps going up.

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
The disclosure was unclear that if I send money it can not be returned for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Karma, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Credit Karma 's Dispute Process Dear CFPB, I am writing to file a formal complaint regarding the limitations I have experienced with Credit Karma 's dispute process, which has negatively impacted my ability to address inaccuracies on my credit report in a timely manner. Specifically, I am unable to dispute more than one item at a time through their platform, which unnecessarily prolongs the process and delays resolution of critical errors. 

One item I am disputing is an account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ). This account is listed as a charge-off with a balance of {$10000.00}, and remarks indicate a profit and loss write-off. I have filed an identity theft report with the FTC and have taken steps to address fraudulent activities on my credit file. I am requesting that Credit Karma verify this debt directly with the original contract from the creditor, not an itemized summary list, to ensure accuracy and legitimacy of the claim. 

This limitation in Credit Karmas platform hinders consumers like myself from efficiently resolving multiple inaccuracies, which is crucial for maintaining fair and accurate credit reporting. I kindly request the CFPB to review this matter and advocate for a more consumer-friendly dispute process that allows individuals to dispute multiple items simultaneously. 

Thank you for your attention to this issue. 

Sincerely, 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 — 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: IL

Complaint narrative:
XXXX, XXXX, 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, inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failure align with my Experience, where XXXX, XXXX, Experian has neither correct or remove dispute items. Despite the evidence I provided causing ongoing harm to my credit. 
I am requesting immediate corrective action to remove or amend the dispute accounts. As Experian, XXXX, XXXX 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against cash app { block inc. } due to inadequate customer service and unfair practices, which violate the costumer financial act { CFPA } specifically, Cash App failed to take timely and effective action to prevent and address fraud on their platform. Leaving my account and personal information unprotected furthermore their dispute resolution process were unfair and deceptive as they did not comply with error resolution requirements. under the electronic funds transfer act { EFTA } and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for Theas 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: 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.

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: TX

Complaint narrative:
i was XXXX XXXX XXXX when i became a victim of XXXX XXXX and someone has been using my personal information to obtain goods and services, i have been batling XXXX XXXX for the past 7 years and its been a challange seems like i cant stop the creditors from attacking me saying that i owe them money when i keep telling them it wasnt me and i am a victim of XXXX XXXX please use code 605c and help me get this issue resolved.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed collection accounts that do not belong to me. I need these accounts removed from my credit report. They are hurting my ability to get access to 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: 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: IL

Complaint narrative:
XXXX, Equifax and XXXX are allowing the listed companies to report fraudulent information on my Consumer report, I've contacted the Debt holders and ask to Validate the account information The companies continue to send me a bill Not verifying the account belonging to me. Per the FCRA section 609, 611 and the 605 this debt must be verified and if not validated it must be removed. I also Filed an Identity theft report with the Federal Trade Commission on XX/XX/XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$7600.00}, XXXX XXXX opened XX/XX/XXXX XXXX {$400.00} Addresses attached to me, they should be removed XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In lieu of the recent lawsuits with XXXX and a data breach with Equifax it comes to question the validity if the case has been truly investigated. Please remove this information from my credit report.

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: IL

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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : 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 Equifax 's failure to properly investigate my dispute mirrors the issues highlighted in the recent CFPB action, which required Equifax to pay {$15.00} million for improper credit reporting investigations. The CFPB found that Equifax failed to conduct reasonable investigations, provided inaccurate results, and allowed errors to persist on consumer credit reports, which has significantly harmed consumers like me. 

Attached to this complaint is a dispute letter that I sent to Equifax on XX/XX/year>, which is dated and time-stamped. Despite this, Equifax has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim.

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: IL

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 2025-01-20 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: TN

Complaint narrative:
I am writing to formally express my Ciceros regarding Zelle Handling 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 XXXX investigate my claims adequately.They informed me that recovering the lost funds where impossible and tracking these transactions where unfeasible.Zelle has neglected customers concerns

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: NY

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