vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the Gramm Leach Bliley Act I have a right to opt out of getting my nonpublic personal information shared with non affiliated party XXXX, Equifax, XXXX. They violated my rights by not providing me with the opt out disclosure because as a consumer I have the right to privacy and I also have the right to opt out getting my nonpublic personal to information to non affiliated third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the Gramm Leach Bliley Act I have a right to opt out of getting my nonpublic personal information shared with non affiliated party XXXX, XXXX, Experian. They violated my rights by not providing me with the opt out disclosure because as a consumer I have the right to privacy and I also have the right to opt out getting my nonpublic personal to information to non affiliated third party

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 was unfair and deceptive, as they did not comply with error resolution process requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The account is being reported on my report and I have no knowledge about this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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

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

Complaint narrative:
I'm 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling out a complaint against cashapp ( Block, Inc. ) due to inadequate customer services 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 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cedars Business Services, LLC
State: MI

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft, resulting in the unauthorized use of my Social Security number and other personal information to apply for various accounts and services without my knowledge or consent. This has caused significant financial and emotional distress, and I am seeking your assistance to address this matter. 

The breaches of my personal information occurred due to multiple incidents, including : XXXX : My identity and personal information were leaked through their platform. 
Local Hospital : My information was compromised through a breach or mishandling at my local hospital. 
Employer : My personal data was leaked while I was employed, putting my financial security at risk. 
Social Security Administration : Alarmingly, my personal information appears to have been mishandled or exposed through the SSA. 
These breaches have enabled unauthorized parties to misuse my Social Security number and other personal details, causing harm to my credit and overall financial stability. As a result, I have had to spend considerable time and resources to dispute fraudulent charges and secure my accounts. 

I am requesting the CFPBs guidance and support in the following areas : Assistance with protecting my financial accounts and ensuring that fraudulent applications or accounts are resolved. 
Advice on pursuing any accountability from the entities responsible for the breaches of my personal information. 
Steps I should take to further mitigate the risks of identity theft and unauthorized access to my personal data.

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

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 was unfair and deceptive as they did not comply under proper resolution requirements under EFTA and regulation E.This has cause significant inconvenience and financial loss and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 highly yield interest savings accounts capital one misrepresented the 360 savings accounts as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Saving Account.This deliberate obscenity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer Financial Protection Act and the Truth in Saving Act. I seek redress for misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite my diligent efforts to address the ongoing issue of misleading information, I find myself in a deeply frustrating situation. I first submitted my information on XX/XX/XXXX, followed by additional attempts on XX/XX/XXXX, XX/XX/XXXX, and a final submission in XXXX, all in line with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). However, the persistent inaccuracies continue to plague my records, leaving me feeling helpless and anxious about my financial future. The emotional toll of this situation is overwhelming, as I strive for clarity and justice, yet remain ensnared in a web of misinformation. I urgently seek your assistance to rectify this matter, as I can no longer endure the distress caused by these inaccuracies. Please delete and block immediately.XX/XX/XXXX DATE OPEN XX/XX/XXXX XX/XX/XXXX DATE OPEN XX/XX/XXXX, XXXXXX/XX/XXXX DATE OPEN XX/XX/XXXX, XXXX XX/XX/XXXX DATE OPEN XX/XX/XXXX, XX/XX/XXXX DATE OPEN XX/XX/XXXX,XX/XX/XXXX DATE OPEN XX/XX/XXXX,XX/XX/XXXX DATE OPEN XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX DATE OPEN XX/XX/XXXX XXXX XXXX DATE OPEN XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: WA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed

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

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. 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 resolution dispute process was unfair and deceptive, as they did not comply with the error resolution requirements under Electronic Funds Transfer Act and Regulation E. These actions have caused significant financial loss. I pursue rightful compensation for these actions and violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or around XX/XX/XXXX, I discovered multiple fraudulent accounts and inquiries appearing on my credit report that I did not open or authorize. These include an auto loan or lease opened in XX/XX/XXXX for an amount of {$2500.00}, another auto loan or lease opened in XX/XX/XXXX for an amount of {$23000.00}, as well as personal or business loans opened in XX/XX/XXXX and XX/XX/XXXX totaling {$2400.00} and {$350.00}, respectively. In addition, I identified unauthorized inquiries from various financial institutions. 

I immediately disputed these items and provided evidence of identity theft, including documentation from the Federal Trade Commission. While some of the disputed accounts were initially removed, they were later reinserted by Experian onto my credit report without proper notice or newly discovered evidence, which violates the Fair Credit Reporting Acts ( FCRA ) requirements for reinsertion. Additionally, the credit reporting agency failed to conduct a full and proper investigation, as several disputes were closed without the agency verifying key details or considering the proof I submitted. 

Photos attached. 

These wrongful reinsertions and the lack of a thorough investigation have caused significant harm, including negative effects on my credit score and potential issues with accessing credit, employment, or housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In XXXX of XXXX  I was alerted that my social security number along with other personal identifiable information was leaked through data breach. I am now dealing with additinal credit and non credit credit account attempts. Also utility and payday loans companies attempting loans and XXXX successful utility in my name in XXXX XXXX XXXX.

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

Complaint narrative:
I am filling a complaint against cashapp ( Block , inc due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) they took my money and blocked my account XXXX

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

Complaint narrative:
I am filing a complaint against cash app ( Block INC. ) Do 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 there platform, leaving my account vulnerable and unprotected. Further more, the dispute resolution process was unfair and descriptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: 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: PA

Complaint narrative:
I am a victim of identity theft and I see inaccuracies on my account. These hard inquiries listed below need to be removed within XXXX or XXXX  days. These accounts being reported on my credit report cost for action of the deletion because these accounts show many inaccuracies or fraudulent charges, not made by me across all bureaus show that these accounts are in clear violation of my fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and I see inaccuracies on my account. These hard inquiries listed below need to be removed within XXXX or XXXX days. These accounts being reported on my credit report cost for action of the deletion because these accounts show many inaccuracies or fraudulent charges, not made by me across all bureaus show that these accounts are in clear violation of my fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX not verifying that funds were being sent to the the right person XXXX to sending funds and not able to get a refund after it was sent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation