vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: NY

Complaint narrative:
A dispute letter was sent out to credit XXXX XXXX XXXX for a credit card debt on XX/XX/2025. My dispute letter was ignored and I was sent a demand letter XX/XX/2025 without any explanation on how I obtained this debt.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, a certified letter, return receipt ( see attached ) was sent to TransUnion concerning them reporting inaccurately information with XXXX XXXX # XXXX. The information was inaccurate due to the fact that XXXX was reporting complete different information. This was address more than once, also on XX/XX/year> letters were sent to both TransUnion and XXXX for reporting inaccurate information and there refusal to do a proper investigation, and also send a copy of the XXXX since the company charged-off the above account. XXXX XXXX XXXX Transunion XXXX XXXX ) did not address within a timely manner. ( see attached ).

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 service problem — 
Company: Block, Inc.
State: NV

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: 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 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 this violation.

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: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have had to make multiple accounts do to fraud and hackers being able to take money out of my account. Ive asked Cashapp to help and all they do is lock my accounts down that still have money in them and I cant get back into them. Theyve also randomly shut down my accounts due to fraud with out any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
I would like a debt validation claim. According to 15 USC 1692G, I want the following documents : a full detailed list of the payment history on this account, I want to see the original signature that I agreed to on the contract for this creditor ( XXXX XXXX ), I want to know if there has been any insurance claim filed on this account, and I want a chain of title that XXXX XXXX has to collect on this account.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion Credit Report and there is an address reporting on my credit report that is not mine. 
Below is a the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA 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: 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 =urthermore, 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was frauded via Zelle and you cant get money back once you send it via Zelle. I never knew. They do not help with getting funds back like if I was to use my credit or debit card to pay for services.

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: GA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding their reporting of closed accounts on my credit report. These accounts no longer benefit my credit profile and are unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), credit reporting agencies are required to ensure the accuracy and relevance of the information reported. The inclusion of these closed accounts, which are outdated and no longer relevant, violate this requirement. Additionally, Section 1681c outlines specific guidelines for the exclusion of obsolete or outdated information from credit reports, which Equifax are not adhering to in this instance.

Despite my attempts to resolve this issue with Equifax, the closed accounts remain on my report without justification.

This reporting has negatively impacted my ability to improve my credit score. I respectfully request that your office investigate this matter to ensure that Equifax complies with the FCRA by removing these closed accounts are inaccurate, obsolete, or unhelpful to my credit profile. 

Thank you for your time and assistance in this matter. 

Thanks 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 — 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:
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 failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and 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: NV

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 XXXX 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: TX

Complaint narrative:
I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cashapp 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 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 2025-01-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$990.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/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 — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Please review the advertisement of the XXXX saving account interest rates of 4.35 % thats was false advertising to consumer to open saving account with Capital one

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: CA

Complaint narrative:
I am filing a complaint against cash app ( BLOCK, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have clearly outline that the inquires was unauthorized or fraudulent due to data breaches and unauthorized access to my credit information.

Automated processes like e-OSCAR often fail to resolve disputes adequately and I request a personalized response in hopes that I can bypass the inefficiencies of automated dispute systems and demand proper accountability for these fraudulent inquiries.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have clearly outline that the inquires was unauthorized or fraudulent due to data breaches and unauthorized access to my credit information.

Automated processes like e-OSCAR often fail to resolve disputes adequately and I request a personalized response in hopes that I can bypass the inefficiencies of automated dispute systems and demand proper accountability for these fraudulent inquiries.

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 — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Im writing this complaint in regards of me not receiving my payment from a client from Robinhood. The client send {$300.00} ( XXXX XXXXXXXX ), but I never received it in my wallet. When addressing this issue with Robinhood they kept me waiting for a customer service representative for over XXXX hours, which they did not help me resolve the problem.

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: CA

Complaint narrative:
I am filing a complaint against Cashapp, ( 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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions has 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reporting

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: AZ

Complaint narrative:
I am writing to formally dispute the information regarding the account XXXX XXXX XXXX on my credit report, which I believe is inaccurate. This account is currently listed as charged off, but the reporting contains discrepancies that require immediate attention and correction. 

The original issue arose when I purchased a TV that stopped working, and upon receiving a replacement, it was stolen in transit. I filed a police report and reported the incident to the company, but no resolution was provided. 

Despite these circumstances, the account has been reported as a charge-off with continuous inaccuracies in its reporting details. I request that you : Conduct a thorough reinvestigation of the information related to this account in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i.

Provide me with the procedure used to verify this account as per my rights under the FCRA, including the names and contact information of those you contacted for verification. 

Remove or correct the inaccurate information if the investigation can not substantiate the current reporting.

This ongoing inaccurate reporting has significantly impacted my credit score and financial opportunities. I expect your prompt response and resolution of this matter, including an updated credit report reflecting the corrections. 

Thank you for your immediate attention to this matter.

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: 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 redress : for these violations. XXXX XXXX XXXX I want the CFPB to publish

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: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash app fraud or scam My partner was supposed to be in a XXXX XXXX Was looking for her to bring her home Her sister lied and said she knew where she was at And said her husband was XXXX hours away and could pick her up in the company he works for XXXX XXXXXXXX A fee of {$75.00} was needed to use the XXXX for personal use. I was given a cash app address to send it and fuel money too. Was told she was in XXXX. First sent {$100.00}. For. Personal use of van and some fuel money. Next day was told they were out of gas and out of money was asked to send more money for fuel. Next day sent another {$100.00}. And again in the afternoon more fuel money was requested. Sent another {$100.00} again through cash app. Was told she would be home that evening never happened. No excuse. No further explanation. 5 days later was contacted by my partner who asked me to pick her up in XXXX, NC. Where she had been the whole time. In a detox instead of rehab and of course XXXX hours from 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that 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.

Additionally, their dispute resolution process was unfair and deceptive. Cash App did not comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which mandate a thorough and timely investigation of reported errors. Instead, I experienced delays and insufficient communication, resulting in unresolved issues and significant financial loss. 
These failures have caused undue inconvenience and harm, and I believe they demonstrate a lack of accountability and transparency. I am requesting that the CFPB investigate Cash Apps practices and take appropriate action to ensure compliance with federal laws. I also seek redress for the financial losses and inconvenience caused by their failure to protect consumers and resolve disputes fairly.

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 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 XXXX financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation