vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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 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 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 2025-01-18 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: PA

Complaint narrative:
Subject : Equifax 's Failure to Properly Investigate Disputed Information Description : I am filing this formal complaint against Equifax for failing to conduct a proper investigation into disputed information on my credit report. Despite providing clear and detailed evidence of inaccuracies, Equifax relied solely on the information provided by the furnisher, violating its obligations under the Fair Credit Reporting Act ( FCRA ). 

The dispute concerns an account from XXXX, account ending in XXXX. This account is reported as charged off, with a balance of {$430.00}, a credit limit of {$200.00}, and a delinquency first reported in XX/XX/XXXX. However, there are multiple inconsistencies and errors in the reported data : Charge-Off Amount Discrepancies : The account shows a charge-off amount of {$460.00}, yet the reported balance has been stagnant at {$430.00} since XX/XX/XXXX, despite no actual payments being recorded in this period. 
Inaccurate Payment History : The payment history shows inconsistent reporting, with {$25.00} recorded as an actual payment in XX/XX/XXXX, while no scheduled payments are listed for that time. 
Repeated Charge-Off Reporting : The account has been reported as " charged off '' every month since XXXX, which is misleading and detrimental to my credit report. A charge-off is a one-time accounting event, and its continued reporting month after month unfairly inflates the negative impact on my credit score. 
Delinquency was first reported XX/XX/XXXX despite the account being charged off since XXXX. 
Account was opened in XX/XX/XXXX yet there is no payment history from XXXX XXXX XXXX Account is a closed charged off account but yet the balance is reported as past due, Prolonged Inaccuracies in Reporting : Equifax failed XXXX verify or correct these inaccuracies despite my submission of supporting evidence. 
XXXX response to my dispute indicated no changes to the reported data, suggesting that no meaningful investigation was conducted. By ignoring the evidence I provided and solely relying on the furnishers response, Equifax failed to meet its duty under the FCRA to ensure accurate reporting and to conduct an independent review of disputed information. 


**Attachments : ** I am including my dispute documentation, along with a copy of my Equifax credit report, highlighting the inaccuracies in the XXXX account reporting.Desired Resolution :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: NV

Complaint narrative:
I am fling a complaint against Equifax for failing to properly 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. XXXX ) 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 explanation
Consumer complaint received 2025-01-18 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 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 serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 inadiquate 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 ( ETFA ) 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 2025-01-18 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 fiting 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 2025-01-18 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, 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 redres for these violations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
On numerous occasions, Block Inc. ( Cash App ) denied my legitimate refund requests while repeatedly asking for excessive personal information, which felt intrusive and unnecessary. Despite providing all requested details, they failed to resolve the disputes fairly. Additionally, they closed my prior account without justification, leaving money in the account that I was unable to recover. They essentially took my funds without explanation or recourse, forcing me to create a new account to continue using the service. Their actions have caused significant financial stress and frustration, raising serious concerns about their handling of customer funds and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 violates the consumer financial protection act ( cfpa ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NH

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 2025-01-18 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: CA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I also request verifiable proof bearing my signature or electronic signature. This letter is being sent on my behalf, not through any third party, so please review it carefully. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act, Section 605B ( Block of information due to Data Breach or Fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. I have already contacted the companies involved and found that these actions were initiated without proper validation or original proof from any of the reporting companies. Since I did not authorize these accounts or inquiries, they are inaccurate and result from either a data breach or the unlawful reporting of my consumer information by creditors or a third-party data provider.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
My previous rental property I was residing since XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX original creditor located XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The leasing office misused my information inaccurately so the debtor RENTDEBT AUTOMATED COLLECTION Company wouldn't be able to allow me to address the debt correctly. I was never contacted in regards to the debt, I was never mailed or contacted via phone number. I have membership with XXXX, XXXX and XXXX but was never contacted by the original debtor. My information was that the debtor that obtained the debt RENTDEBT AUTOMATED COLLECTION collect never tried to reach me originally to address the debt properly. The RENTDEBT AUTOMATED COLLECTION company put the negative account ( XXXX ) just appeared on my credit report unlawfully XX/XX/XXXX for a balance of {$2300.00}. I have the RENTDEBT AUTOMATED COLLECTION Company recorded stating they never had a number or address which doesn't make sense. My move out date was XX/XX/XXXX I turned in the keys and requested the walk through. At the time XXXX property manager didn't have time for the walk through at the moment so it was done by the leasing company unfairly XX/XX/XXXX. I was never contacted about the balance. RENTDEBT AUTOMATED COLLECTION is known to have a past history of reporting inaccurate information or unfairly contacting consumers to address the debt so they can just be stuck and forced to pay the balance. But the debt remains on your credit report which is unfair Fair Credit Reporting Act ( FCRA ). Because I should have been able to address the debt before it just was put on my XXXX, XXXX and XXXX credit report. Now I'm having issues moving to another apartment or buying a house or obtaining a loan. It's just so unfair how it's making my life miserable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 times and reporting discrepancies my previous bank institution and Zelle failed to investigate my claims adequately. They informed me that recovering funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
I am filing a dispute against Equifax for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the accounts were 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 actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File # XXXX ) 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. These are some of the items that I have requested an investigation on that are inaccurate ; 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 XXXXXXXX XXXX ; XXXX XXXX XXXX I have also send them my information, ( DL, Divorce Document that states the name change and a bill with my name and address on it ) to update my name and address, which as never been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Experian credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-18 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:
Im filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and fraud when I add money to my Cash app, it goes in, but it doesnt appear and I have receipt to show that the store put the money on my Cash app put the money on my Cash app never comes. I have spent {$200.00} to put on my Cash App card and it never got put on there. I called Cash App and they told me that I never added money on my card, but I have receipts to show that I did. Cash app specifically didnt take the time to look at my complaints in my dispute and sometimes it just takes money off my card and Ive been calling and calling and I keep telling me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: IL

Complaint narrative:
I received an email in regard to the CFPB XXXX Lawsuit. 

I feel I was negatively impacted by TRANSUNION, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ". I did not see any details about the investigation. 

Please permanently delete these accounts from my credit report ASAP

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against ( 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 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 2025-01-18 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 filing a complaint against CashApp XXXX Block Inc ) due to inadequate customer service and unfair practice, which violates 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 2025-01-18 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: PA

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 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 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