vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Ive tried to remove several wrong names & addresses from my credit report but theyre still showing up

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: IL

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 of 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 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I send funds to the wrong person and was trying to get a refund

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 belongs to someone else
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to file a formal dispute regarding an error on my Motor Vehicle Report ( MVR ) that has significantly impacted my insurance premium. LexisNexis has erroneously added a second profile under the name XXXX XXXX XXXX, with a date of birth XX/XX/XXXX, to my MVR. This incorrect profile was subsequently provided to my insurance company, which caused my premium to significantly increase. 

The only accurate and authorized profile that should be associated with my Motor Vehicle Report is XXXX XXXX XXXX, with a date of birth XX/XX/XXXX. I have no connection to the incorrect profile, and its inclusion on my report has caused unnecessary financial harm and inconvenience. 

Additionally, my insurance company failed to notify me about the addition of this second profile to my policy or the resulting premium increase. This lack of transparency has further exacerbated the situation and left me unaware of the root cause until I reviewed my records. 

I am requesting the following actions : Immediate Removal of the Incorrect Profile : LexisNexis must remove the incorrect profile of XXXX XXXX XXXX from my Motor Vehicle Report and confirm that only XXXX XXXX XXXX is associated with my MVR. 
Notification to My Insurance Company : LexisNexis must notify my insurance company of the correction and provide updated and accurate information. 
Refund of Overcharged Premiums : I request that my insurance company recalculate my premium based on the corrected information and refund any overpayments resulting from this error. 
Verification and Confirmation : I request written confirmation from both LexisNexis and my insurance company once the error has been rectified. 
Please treat this matter as urgent and respond promptly, as the error has caused significant financial and emotional distress. I expect corrective action to be taken immediately and that I will not suffer further consequences due to this oversight. 

( The profile in question is located on page XXXX of the document I have uploaded ) Thank you for your prompt attention to this matter.

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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I leased an XXXX through American Honda Finance company from XXXX. I have a perfect payment record regarding this vehicle. I had purchased a new vehicle in the interim through a third party broker who took the vehicle with the plates and returned it to ( XXXXXXXX XXXX XXXXXXXX, NJ ) in the month of XXXX. After the vehicle was taken, a check with the remaining balance was sent to American Honda Finance company clearing me of any further obligation. The vehicle was not in my possession during the month of XX/XX/year>, and they still charged me a late fee stating I did not pay my car note that same month which again the vehicle was no longer in my name, or in my possession. 
They also did not return the plates in a timely manner which caused my license to be suspended for an insurance lapse on a vehicle THAT I NO LONGER LEASED, nor had in my possession. 

They refuse to remove the XXXX single late payment from XX/XX/year> after I submitted all proper information and contacting the receiving dealership which was ( XXXX XXXX XXXX, NJ ). I am asking this be removed from my credit report as a courtesy due to this mismanagement on their end. I have submitted all proper documentation to the corporate office, and attempted to speak with management at XXXX in which they were not competent at all in regards to helping me resolve this or the status of my license plates being returned in to the state which would have further provided proof that the vehicle was not in my possession. 

I am asking for help please, Im in the midst of purchasing a home and this one bad remark is preventing me from getting a better rate. Any information on this matter would be helpful thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — 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 unprotected and vulnerable. Also, the process to resolve a dispute was deceptive and unfair. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused financial loss and a significant inconvenience, 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: 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: SC

Complaint narrative:
This account losted below is not mine and ws open without authorization. I have previously disputed this account with experian and the removed this account and now it was reinserted without notice I have supplied all documentation that my identiy has been stolen during a data breach a a cyber security attack and Experian fail to do a complete and thorough investigation this account needs to be removed immediately as it is not mine Account name : XXXX XXXX  Account # XXXX These XXXX account listed are not mine and are unauthorized accounts : Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX  XXXX Account number : XXXX Thes inquiries are not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX had a capital one quicksilver credit card account opened fraudulently in 2021. The fraudulent account has been on my account since XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX XXXX. Since then the account was takin off my credit history I have all the proof to prove it was a fraudulent account and thats why they closed the account for me. After a long time with there process to determine if it was fraudulent account. I would like to get the credit card I was approved for but they deny me instantly because of this fraudulent account isnt cleared up on capital one side they sold the account to XXXX XXXX without me knowing

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 service 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 al 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding TransUnions Deletion of Positive Rental Account Dear Sir/Madam, I am writing to formally file a complaint regarding the actions of TransUnion in handling my credit report. Recently, I noticed that TransUnion removed a positive rental payment account from my credit report without proper justification. This account, reported under [ Account Name : " XXXX '' or specify the exact name if listed differently ], demonstrated a perfect payment history, with all rent paid on time. 
The deletion of this account not only misrepresents my creditworthiness but also resulted in a significant drop of XXXX points in my credit score. This action undermines the accuracy and fairness of credit reporting, which is a direct violation of 15 USC 1681, specifically the requirement for accurate and complete reporting. 
TransUnion 's actions are consistent with a troubling trend Ive observed with XXXX XX/XX/year> and XXXX XX/XX/year>, where positive accounts are deleted from consumer credit reports, causing undue harm to consumers ' credit scores. Such actions negatively impact my financial standing and trust in the credit reporting system. 
I kindly request the CFPB to investigate this matter thoroughly and ensure that TransUnion reinstates this account promptly. Additionally, I urge you to take appropriate measures to prevent similar issues from occurring to other consumers. 
For your reference, I have attached evidence of the account details and payment history before its removal. I am available for any further information or documentation needed to assist with this investigation. 
Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to address this issue effectively. 
Sincerely,

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Unable to use money in account, always gives notification that it is denied due to fraudulent activity making it unavailable for use! Cashapp has given zero resolution and has yet to fix! Have been dealing with this for nearly a year where Im unable to use my mobile wallet associated with cashapp for purchasing items.

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: NC

Complaint narrative:
I am filing a compiaint against Equifax for failing to propery 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. 2025-CFPB-0002 ) 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 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 formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours stating that 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 that consumer reporting agencies conduct a reasonable investigation into disputes raised by consumers. 

In addition to this, I would like to bring to your attention that I spoke with a representative named XXXX on XX/XX/XXXX, who refused to comply with federal regulations in relation to my case. Specifically, I am referencing the Consumer Credit Reporting Reform Act of 1996, which requires consumer reporting agencies to block any fraudulent information related to identity theft within four days of being notified. XXXX 's refusal to comply with this federal regulation is concerning and further exacerbates the issue. 

Furthermore, XXXX 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.

As a consumer, I am entitled to a thorough investigation and timely resolution of disputes involving inaccuracies on my credit report. I request that the CFPB take swift action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation in a timely and lawful manner.

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: VA

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 ) pacifically 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 the error resolution requirements under the electronic fraud transfer act ( efta ) and regulation e these actions have called significant inconvenience in 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: KS

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: KS

Complaint narrative:
I am filing a complaint against Block , Inc due to inadequate customer service and unfair practices. These practices violated the Consumer Financial Protection Act. Block , Inc ( Cash App ) failed to timely and or adequately address fraud on their app. Solutions they offered did not meet with the standards required by Electronic Funds Transfer Act and Regulation E. Due to this significant financial loss and hardships occurred 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. 
This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, They failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms. 
I kindly request that the CFPB instruct this agency to conduct a thorough and reasonable investigation into the disputed information and provide me with a written response within the stipulated time frame. Additionally, I request that the inaccurate information be promptly removed from my credit report due to my rights being violated and sending multiple disputes in the past with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation