vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my previous efforts to resolve this matter, including filing police reports and FTC reports, it took a lawsuit for the agency to finally comply with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Recently, I settled a lawsuit against this credit reporting agency due to their failure to adhere to federal regulations. I had hoped that following this settlement, my credit report would accurately reflect the true nature of my identity theft, particularly since fraudulent accounts had previously gone unreported but later appeared.

However, I have encountered further issues. Upon contacting the credit bureau, I discovered they processed my request as a 30-day review rather than the mandated three-day period for deletion of accounts linked to identity theft, despite my submission of a new FTC report detailing the fraudulent accounts. This disregard for my status as a victim of identity theft is deeply concerning. 

The agency continues to ignore federal laws, even after the recent lawsuit, and has failed to delete the two XXXX XXXX accounts that are clearly fraudulent. Additionally, I have noticed discrepancies regarding my Social Security number that have not been resolved. 

It appears that the credit reporting agency prioritizes profit over compliance with federal regulations, and their representatives lack adequate training regarding FCRA laws, even within their supposed escalated fraud department. My intention in pursuing legal action was not financial gain but rather accountability for their actions. 

If this issue is not resolved promptly, I am prepared to file a second lawsuit and take this matter to trial. I believe this situation reflects a broader pattern of misconduct that needs to be addressed.

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: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
i purchased a money order for {$700.00} on XX/XX/XXXX. I misplaced it and found it within minutes. I called western union to let them know after calling them to place a stop payment but letting them know not to place a stop pay. Well 3 days later they put a stop payment after I filled it out and gave it to my apartment complex for XXXX rent. 
I finally got this resolved after weeks. The removed the stop payment and told me to go to the store and put " not used for intended purpose '' at the XXXX where I purchased it. But they are refusing to cash it since it is written on. Now I am have an issue with Western Union getting my refund. The store says Western Union will need to send me the refund so I can pick the cash up at the store. The customer service is horrible at Western Union. The supervisors do not call you back. I need help. The case number with Western Union is XXXX. Today I was the supervisors are in a meeting and I would have to call back.. Time is XXXX XXXX  XX/XX/XXXX. I spoke with XXXX i want my money back. i can not cash this money order with writing on it. Western Union never should have place the stop payment on it. I need to pick up cash at the window

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unreasonable. The CFPBs findings indicate Zelle had not only neglected to protect consumers but also allowed repeating offenders to exploit the system, leaving users vulnerable to the scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 ( CPFA ), 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 Funds 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: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 2025-01-19 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 several addressed listed on my credit report that is inaccurate, I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have attached my driver license to show my address.Please remove all of the following addresses 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 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent this letter to the collection company, the original creditor and the credit reporting bureau XX/XX/XXXX I am writing to inform you that your company is reporting inaccurate credit information to my credit report and such is prohibited by Florida law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the latter is a medical provider and on the provided dates of service XX/XX/XXXX ( billed at {$880.00} ) and XX/XX/XXXX ( billed at {$1200.00} ) I was a XXXX recipient covered under the XXXX XXXX plan now transferred to XXXX XXXX XXXX If XXXX does not cover a service, a healthcare provider can send the charge to collections only as long as the patient was informed beforehand that the service was not covered by XXXX and they are financially responsible for the cost. 

The aforementioned process was not adhered to, so accordingly your company is violating State Law. The No Surprises Act protects consumers from surprise medical bills, which are unexpected balance bills for out-of-network costs. Providers must inform patients before rendering services that are not covered by XXXX, that the patient is responsible for paying for them. Providers should use clear, concise language to communicate financial responsibility. This includes providing clear cost estimates and explanations. Providers must also document in the patient 's file that they were informed.

The FCRA ensures that bureaus report only 100 % accurate information. Therefore, again I would like the following information investigated and the account ( s ) deleted so that the misleading information is removed. 

I expect you to comply with my request without further delays. 

Best regards, 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was used fraudulently, and unauthorized.

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: 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: FL

Complaint narrative:
My information was used fraudulently, and unauthorized.

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

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 finical 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am formally writing to express my concerns regarding Zelles handling of disputes, in light of CFPB recent lawsuit against Zelle, highlight significant issues with the platform. Despite using Zelle enormous of times and reporting discrepancies my financial institution and Zelle failed to investigate my concerns adequately. They expressed that recovering loss funds was impossible and tracking the money was unfeasible. The CFPB findings indicate zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Debt was charged off never received 1099 form or notifications

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: FL

Complaint narrative:
Despite my previous efforts to resolve this matter, including filing police reports and FTC reports, it took a lawsuit for the agency to finally comply with the Fair Credit Reporting Act ( FCRA ) Section 605B.

Recently, I settled a lawsuit against this credit reporting agency due to their failure to adhere to federal regulations. I had hoped that following this settlement, my credit report would accurately reflect the true nature of my identity theft, particularly since fraudulent accounts had previously gone unreported but later appeared.

However, I have encountered further issues. Upon contacting the credit bureau, I discovered they processed my request as a 30-day review rather than the mandated three-day period for deletion of accounts linked to identity theft, despite my submission of a new FTC report detailing the fraudulent accounts. This disregard for my status as a victim of identity theft is deeply concerning. 

The agency continues to ignore federal laws, even after the recent lawsuit, and has failed to delete the two XXXX XXXX accounts that are clearly fraudulent. Additionally, I have noticed discrepancies regarding my Social Security number that have not been resolved. 

It appears that the credit reporting agency prioritizes profit over compliance with federal regulations, and their representatives lack adequate training regarding FCRA laws, even within their supposed escalated fraud department. My intention in pursuing legal action was not financial gain but rather accountability for their actions. 

If this issue is not resolved promptly, I am prepared to file a second lawsuit and take this matter to trial. I believe this situation reflects a broader pattern of misconduct that needs to be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory A

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.

Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 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 and financial losses, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

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 finding 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was charged multiple overdraft fees after complaining and asking if any could be waived I was told no

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I am writing to formally address 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 institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs finding 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 customers safety.

Company response to consumer: Closed with explanation