vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-17 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 filling a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Zelle failed to ask if you were sure if you needed to send money to the right person, which made it difficult to get a refund from the bank immediately. 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 2025-01-17 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-17 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: CA

Complaint narrative:
XXXX  bill sent to collections being reported on credit for several months affecting my credit score. Disputed to the 3 bureaus the incorrect and inaccurate info which caused my score to drop XXXX pts. Was told the information was correct. After months of contacting the XXXX  office and requesting a pay to delete, they confirmed amount incorrect and should have never been reported. A few days later it was removed from my credit but the XXXX it's were not given back for the error in reporting.

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 2025-01-17 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: CA

Complaint narrative:
XXXX  bill sent to collections being reported on credit for several months affecting my credit score. Disputed to the 3 bureaus the incorrect and inaccurate info which caused my score to drop XXXX pts. Was told the information was correct. After months of contacting the XXXX  office and requesting a pay to delete, they confirmed amount incorrect and should have never been reported. A few days later it was removed from my credit but the XXXX it's were not given back for the error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 ( 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 2025-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LENCO FINANCE OF CARENCRO, INC
State: LA

Complaint narrative:
This loan was open back in XXXX I stopped paying XX/XX/XXXX due to not working they reported the information to the credit bureau in XXXX as unpaid debt they started garnishing my check for {$520.00} every pay period as they started garnishing my check I ended up losing my job I got the balance down. It was removed and deleted off my credit report. Now i received a threatening letter saying they going to file a garnishment on top of an old debt thats not owed. On XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filling 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding 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 concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
{$150.00} in the negative on cash app. The processed some check that I had no information about. XXXX XXXXXXXX. XXXX. 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The bankruptcy reported on my report is inaccurate and should be removed. As it has been cleared. 

XXXX credit should not be on my report as it was part of my bankruptcy. It is illegally on my report XXXX XXXX was part of my bankruptcy and should be removed from my file. 

XXXX bank is beyond XXXX years and was a part of my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: VA

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 concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
When Zelle was first introduced, many users like myself were not fully aware of the platforms limitations, especially regarding fraud protection. Zelle operates as a near-instantaneous peer-to-peer payment system, but its early rollout may not have effectively communicated the following key points : 1. Lack of Clear Warnings on Irreversible Transactions Early on, Zelles messaging about the risks of sending money was often buried in fine print or terms and conditions that many users didnt read. 
There were minimal in-app or pre-transaction alerts warning users that funds sent to the wrong person or as part of a scam could not be recovered. 

2. Focus on Speed Over Security Zelles primary selling point was its speed and convenience, marketed as a faster alternative to checks or traditional bank transfers. 
This focus on speed may have overshadowed the importance of educating users about fraud risks and the irreversible nature of transactions.

3. Trust Assumptions Zell
e was initially marketed as a tool for sending money to trusted individuals, such as friends or family. However, it was quickly adopted by users for payments to strangers ( e.g., buying items online ), where fraud risks are much higher. 
Zelle did not have anticipate how quickly scammers would exploit the platform, leaving users like me unaware of the vulnerabilities. 

4. Evolving Fraud Protections Consumer awareness about peer-to-peer payment fraud has grown, but Zelles initial rollout did not include robust fraud education or transaction safeguards. 
Zelle and partner banks have added more disclaimers and fraud detection measures, after countless people such as myself have been victims of these fraudulent transactions. 

Why This Matters Lack of Consumer Protections : When Zelle first came out, Users like myself assumed it functioned like a credit card or XXXX where fraud protection policies are more robust. 
Unclear Accountability : Zelles partnership with banks blurred the lines of responsibility for educating users, leaving many unaware of their risks until after a fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a compliant 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 practice 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 cause significant harm and financial loss and I seek redress, for these violations, my loss was substantial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I typically receive my pay on Thursday, a day early from the actual payday. I noticed that I did not receive it on yesterday and after several hours, I saw that others were having the same issue on social media. I checked online several times and did not see any official update from Capital One and according to the website all systems were operational. After the day went on and I still did not see a deposit, I called Capital One and was told that there was a technical issue that they were working to resolve as soon as possible, but there was no other information available. I was told to wait until today because it is my actual payday to see if the phone show up, but still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX 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. 


I want the CFPB to publish this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: NC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
No customer service, they would close accounts for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WI

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
In 2023 I opened an account with Navy Federal credit Union I had the account for months with no issue until I had a payment process without sufficient funds in the account, I called to have the payment stopped but was told it could not be stopped and I had to get the money in the account. I explained I lost my job and did not have the XXXX $ to pay it back and with fees and penalties the final amount I owed before they closed my account was over XXXX $ I have tried to get this charged off but it is now effecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a closed account with a XX/XX/XXXX associated with Synchrony Bank. My payment was past due in XXXX. It was brought to my attention by my ex-fiance. On XX/XX/XXXX I made a payment, added my new bank account, and was approved for a settlement to make payments to close the account. The payment did not get charged to my personal checking account. I had the opportunity and time to contact Synchrony about this situation on XXXX XX/XX/XXXX. I am currently XXXX and my time and the time zones are difficult. I was able to speak to someone on the phone to explain the situation. They said my account information didnt transfer over. Since they didnt transfer and the payment did not get charged, even though I agreed to the payments, nothing was in writing to call to make a payment, the card is defaulted. They said they can still honor the settlement. I filed a complaint within Synchrony bank due yo their business practices of losing my bank information, defaulting the card, and not notifying me of any issues. Miraculously a letter is generated in 3 hours, sent to my email, and mailed out to me, stating my account is defaulted and no payments can be made on the card. Now my credit score is affected due to their oversight and correcting their process.

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 2025-01-17 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: NV

Complaint narrative:
I have become aware of the CFPB Experian Lawsuit. 

I know that Experian has negatively impacted me, hurting my credit opportunities after I received a response to my earlier dispute that the account was " verified. '' I have provided documentation of the company 's violations of the Fair Credit Reporting Act ( FCRA ), as Experian blatantly ignores proof of inaccuracies and the law. 


Please see the attached document.

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 2025-01-17 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:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One is giving zero update on their deposit issue. I am having bills return and racking up fees. My phone bill is going to be shut off. Im at risk of my power being cut off. I have life saving medications to purchase that I cant get because capital one and whatever third party vendor they use wont fix the issue or give any updates.

Company response to consumer: Closed with explanation