vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I've received several mail correspondence requesting I pay XXXX violating 15 USC 1681. I have no knowledge of this creditor and have not given them any permission to report my information.

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:
I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed timely and effective measures to prevent and address fraud on their platform, leaving my 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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: PA

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 thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/XXXX I settled an an account with TRANSWORLD for {$710.00} in the amount of {$350.00} to delete a collection from original creditor XXXX XXXX 
On XX/XX/XXXX I received a new alert for a collection from TRANSWORLD in the amount of {$3200.00} original creditor XXXX 
Neither of these accounts are mine. 
In accordance with the XXXX consumer access this company TRANSWORLD INC does not even have an Illinois License to collect a debt. They have called me numerous of times. Even outside of normal business hours. And have even reported this collection without verifying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Fair 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: 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 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity 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 Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPV 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 infeasible. The CFPBs findings indicate that Zelle has no only neglected to protect consumers but also has allowed repeat offenders to exploit this system, leaving us users vulnerable to scams. The lack of accountability and transparency is unacceptable, unprofessional, & raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
The debt was charged off by [ navy federal credit union ] and is now being handled by [ XXXX XXXX XXXX ]. I believe the debt has been canceled or forgiven, as evidenced by [ settlement agreement, credit report entries, etc. ]. 
I contacted [ NAVY FEDERAL CREDIT UNION ] to request the required 1099-C form, but they refused to issue it. I need this form to fulfill my tax obligations with the IRS. I request that the responsible party issue the 1099-C.

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: IN

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy 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 the account is accurate, without providing any evidence of a inorough 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was treated very poorly by wells Fargo in XXXX XXXX florida on XXXX a number of times. I had XXXX  transactions I did not authorized that they would not reimburse for {$500.00}, {$750.00}, {$1500.00}, and more. Several charges went thru my account without my authorization, even after changing my card numbers. When I went to withdraw funds my account was closed. I had been working on a XXXX & was dirty and had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so the teller acted like I was a bump and denied me. Then had my account investigated and closed. I never received any of the transactions back that I questioned from XXXX or the other companies. It was jsut an awful experience. I no longer trust banks. Oh and my data was leaked. And someone tried to take out loans in my name. I only stopped it because of my own vigilance. Wells Fargo doesn't just owe me money, they owe me an apology times 10.

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: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Complaint Against Chase for Falsely Flagging Transactions as Fraud and Locking Credit Card. 

I recently applied for the Chase IHG Rewards credit card to take advantage of a promotional offer that provides bonus points for spending {$3000.00} within three months. I purchased a new home and was buying drapes from a company called Twopages, which appears to be based in XXXX. On XXXX XXXX XXXX, I made multiple transactions with Twopages. The first two transactions were processed without any issue, but the third transaction was declined. I did not receive any notification, alert, or request to verify the transaction as legitimate. 

When I contacted Chases fraud department, they asked for my phone number to verify my identity. After providing it, they informed me that their system would not allow them to verify me further. I asked to verify my identity using alternate methods, such as my Social Security number, but they said they are limited by their system. I was told to call back and try again in hopes that a different verification method might be offered. 

This issue has been ongoing for over two weeks, and I am still unable to use my Chase IHG credit card. As a result, I have been forced to rely on another credit card from a different bank to complete necessary purchases for furnishing my home. I even paid the statement balance already and I'm still flagged for fraud? Seriously. 

This situation has caused significant frustration and inconvenience. It has delayed my ability to complete essential purchases and jeopardized my eligibility for the promotional bonus points. The lack of a reasonable resolution process is unacceptable.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The state of the economy is one thing, but after reviewing my credit report, its painfully clear whats worsemy report is riddled with inaccuracies. These errors have been an ongoing source of immense stress and frustration, leaving me feeling helpless. Its deeply disheartening that I have to go through this, knowing my rights as a consumer are being blatantly overlooked. Whats even more upsetting is the impact these inaccuracies have had on my life. With my credit score suffering because of these errors, Im left unable to access basic financial resourcesadding another layer of strain to an already overwhelming situation.

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: OH

Complaint narrative:
I am filling a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, 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: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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 regulations. These actions have caused significant inconvenience and financial distress, and I seek appropriate redress and return 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally submit a complaint against Experian for its refusal to address my disputes regarding unauthorized hard inquiries on my credit file. I have made multiple attempts to resolve these issues directly with Experian, but the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not investigating or taking appropriate action in a timely manner. 

I recently became aware of the CFPBs lawsuit against Experian, filed on XXXX XXXX XXXX, which alleges that Experian has engaged in unlawful practices, including failing to reasonably investigate consumer disputes regarding information in their reports. My personal experience aligns with these allegations and highlights the detrimental impact of Experians practices on consumers like me. 

Specifically, my concerns are as follows : Unauthorized Hard Inquiries : My credit report includes hard inquiries that I did not authorize, which I have repeatedly disputed with Experian. Despite providing supporting documentation, Experian has refused to remove these inquiries. 
Failure to Resolve Disputes : Experians refusal to investigate or act on my disputes has resulted in significant challenges to my financial well-being.

Experians lack of action has caused me significant financial and emotional distress, including difficulty obtaining credit on fair terms. This neglect and noncompliance with the FCRA are consistent with the patterns of misconduct described in the CFPBs recent legal action. 

I am requesting that the CFPB : Investigate Experians failure to address the unauthorized hard inquiries on my credit report. 
Ensure Experian complies with its legal obligations under the FCRA to promptly investigate and resolve consumer disputes. 
Take further enforcement action if Experians practices are found to continue violating consumer rights. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to protect consumers like me from Experians harmful and unlawful practices. 

Sincerely, [ Your Full Name ] [ Your Signature, if sending a hard copy ]

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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I was looking at my report and notice there was some things not correct. I sent a letter to Transunion on XXXX XXXX XXXX here is my tracking number XXXX. But it has been more than 35 days since the credit bureaus have not responded. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as proved in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at the consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I request on experian online dispute many time and they never fully investigate and check before they report and all my info been breach into dark web and and they report many thing that incorrect and I formation not allow to damage my credit cause emotionally financial cause due to their reporting please delete all the report that should be excluded in my credit reporting By law voilate 15usc 1681 ( n ) 15usc 1681 ( b ) 15usc 1666 ( b ) 15usc 1637 ( a ) 15usc 1692 ( g ) 15usc 1692 ( c ) 15usc 1681 ( e ) 15usc 1681 ( i )

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