vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Today, I contacted Capital One about a cash advance. The website states that XXXX is a third-party vendor they work with and also shows sites for XXXX cash machines. I went to XXXX for a cash advance, and XXXX cash machine, and requested {$300.00}. The receipt shows the following ( see attachment ) : A withdrawal of {$300.00}, a Transaction Fee of {$4.00}, and an amount Dispensed of {$40.00}. I contacted Capital One and was instructed to return to the store and explain the issue. I did and XXXX communicated that they have nothing to do with the machine although it is in their store. I thought that by law they are accountable because they are getting a fee for the machine being there. So XXXX told me to contact XXXX, I did and they told me to contact the bank, Capital One. I spoke with 5 people at Capital One, and each told me to contact XXXX, and they could not help me. This is interesting because my account was debited {$300.00}, yet I only got {$40.00}. Capital One is also accountable but they say that they have nothing/control ; over the third party that I listed on their website. Capital One should be able to open a dispute and credit my account the amount that was in dispute. XXXX system should also know when there is an issue and return the amount that was not distributed. So no one knows what to do. My account shows a {$300.00} debited amount. XXXX has had these issues before and should have a system to immediately correct this issue. This is outright FRAUD. It looks like this will take time per my conversation with Capital One because they have no system in place, nor does XXXX to resolve this issue. So at this point, XXXX is telling me, their voice message, to contact Capital One, and XXXX i telling me to contact Capital One. No organization should be allowed to operate this way. I have no idea as to when and how this issue will be resolved. Meanwhile Capital One is charging fees for an amount that I do not have. This was an emergency request and both Capital One and XXXX created more of a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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 an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measures to prevent an 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
By and through the United States of America Administrative Procedure Process, U.S.C.S.TITLE 5, and 28 U.S.C. 1333, or 1337 gives you notice of " DEFAULT/JUDGEMENT '' will/shall/must issue for non-response for " NOTICE '' by your tacit admission, And collaterally-estoppel by Res-Judicata for any further proceedings, First cause of Action : Acquiescence/Nonresponse to Failure, By Not following the Check Clearing for the 21st Century Act, aka Check 21 system, which has caused me Injury and Damages ; Second Cause of Action ; Acquiescence/Nonresponse to Failure, By Not Following by THE NEGOTIABLE INSTRUMENTS ACT 1881, 1988, THE NEGOTIABLE INSTRUMENTS ACT ( amendment and miscellaneous provisions ) of 2002, which has caused me Injury and Damages ; Third Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following The Federal Reserve Act of 1913, The Federal Reserve Banking Act of 1933, which has caused me Injury and Damages ; Fourth Cause of Action : Acquiescence/Nonresponse to Failure, By Not Following House Joint Resolution 192- PUBLIC LAW 73-10 , which has caused me Injury and Damages ; Fifth Cause of Action : Acquiescence/Nonresponse to Failure, By Not Processing my Negotiable Instruments because they are Linked to and through My XXXX XXXX XXXX OF XXXX routing and account number, which has caused me Injury and Damages ; Sixth Cause of Action : Acquiescence/Nonresponse to Failure , By Causing a waste of my precious time and resource trying to resolve this issue with My Vendors and Utilities Companies, which has caused me Injury and Damages ; Seventh Cause of Action : Acquiescence/Nonresponse to Failure, By Causing me to find alternate means of making payments of my public debt, which has caused me Injury and Damages ; Eight Cause of Action : Acquiescence/Nonresponse to Failure, By Not returning and destroying my property i.e. my Negotiable instruments, MOAs and or Checks which has caused me Injury and Damages ; REPRESENTATIONS AND WARRANTIES

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: GA

Complaint narrative:
Block inc due to inadequate customer service and unfair practices which violated the customer financial protection act Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving account vulnerable and unprotected

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: NV

Complaint narrative:
I am writing to formally dispute credit inquiries listed on my credit report. I identified several inquires not authorized by me, please remove it immediately from my credit report as I did not apply for any services o credit with this companies.

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: NV

Complaint narrative:
I am writing to formally dispute credit inquiries listed on my credit report. I identified several inquires not authorized by me, please remove it immediately from my credit report as I did not apply for any services o credit with this companies.

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 card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I kindly ask for your assistance in addressing accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed. However, they continue to report them as late. Ive contacted them multiple times with no updates, leaving this as my final option.

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: AR

Complaint narrative:
On XX/XX/XXXX they took money out of my account to refund someone that should not have been refunded when they received this money in XXXX of XXXX  And I want all of the money refunded back to me.

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: MD

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent any 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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
Immediate Action Needed : Approve XXXX XXXX XXXX XXXX To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX XXXXXXXX and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within twenty-four ( 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 a reasonable investigation of disputes.Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provide consumers with the necessary proof of investigation. These are the accounts that I have disputed and marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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. 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: GA

Complaint narrative:
I am writing to formally address the impact of the XXXX and XXXX data breaches on my credit profile. As a victim of these breaches, I have experienced significant distress and disruption in my financial life, leading to unauthorized and fraudulent remarks on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), I would like to bring to your attention that I am entitled to the removal of all fraudulent remarks from my credit profile. Given that these fraudulent entries have arisen due to the data breaches, it is imperative that they be expunged to reflect the true state of my credit history accurately. The FCRA stipulates that credit reporting agencies must not report any information that is a result of identity theft or fraudulent activity, and my situation clearly falls under this provision. 

Moreover, I would like to reference FCRA Section 605 ( b ) ( e ), which specifies that upon receipt of my request, the credit reporting agency has a defined 4 day time frame to complete the investigation into the fraudulent remarks. I expect a thorough investigation within the stipulated time limit, as failure to do so would not only violate my rights but also exacerbate the negative impact on my creditworthiness. 

The presence of fraudulent remarks on my credit profile can lead to severe consequences, including denial of credit applications, increased interest rates, and a tarnished reputation among lenders. Such repercussions could hinder my ability to secure housing, employment, and other essential services, further emphasizing the urgency of resolving this matter. 

I kindly request your immediate attention to this issue and the removal of all fraudulent remarks from my credit profile as mandated by the FCRA. 

Thank you for your cooperation. 

Sincerely, [ Your Name ]

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: 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 address the impact of the XXXX and Equifax data breaches on my credit profile. As a victim of these breaches, I have experienced significant distress and disruption in my financial life, leading to unauthorized and fraudulent remarks on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), I would like to bring to your attention that I am entitled to the removal of all fraudulent remarks from my credit profile. Given that these fraudulent entries have arisen due to the data breaches, it is imperative that they be expunged to reflect the true state of my credit history accurately. The FCRA stipulates that credit reporting agencies must not report any information that is a result of identity theft or fraudulent activity, and my situation clearly falls under this provision. 

Moreover, I would like to reference FCRA Section 605 ( b ) ( e ), which specifies that upon receipt of my request, the credit reporting agency has a defined 4 day time frame to complete the investigation into the fraudulent remarks. I expect a thorough investigation within the stipulated time limit, as failure to do so would not only violate my rights but also exacerbate the negative impact on my creditworthiness. 

The presence of fraudulent remarks on my credit profile can lead to severe consequences, including denial of credit applications, increased interest rates, and a tarnished reputation among lenders. Such repercussions could hinder my ability to secure housing, employment, and other essential services, further emphasizing the urgency of resolving this matter. 

I kindly request your immediate attention to this issue and the removal of all fraudulent remarks from my credit profile as mandated by the FCRA. 

Thank you for your cooperation. 

Sincerely, [ Your Name ]

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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: 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 ). 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 distribute 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