vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 kept calling to no avail and my information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Climb Credit Inc.
State: TX

Complaint narrative:
am writing to file a formal complaint against Climb Credit for inaccurately reporting a charged-off loan on my credit report and failing to comply with IRS regulations by not issuing a 1099-C form for the charged-off debt. 
Details of the Issue : Account Type : [ Installment Loan ] Loan Amount : [ {$6000.00} ] Status Reported : Charged off as bad debt, profit and loss write-off Climb Credit has reported this account to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) as a charged-off account. However, I have not received a 1099-C form to report the written-off debt as income, which is required under IRS regulations if the debt has been canceled or written off. 
Alleged Violations : Failure to Issue 1099-C Form : Under IRS regulations , creditors are required to issue a 1099-C form when a debt of {$600.00} or more is canceled or written off. By failing to provide this form, Climb Credit is preventing me from accurately fulfilling my tax obligations. 

Inaccurate Credit Reporting : This account is inaccurately reported as a delinquent charged-off account. Since the debt has been written off as a profit and loss, it should not be reported on my credit file at all. Its continued presence on my credit report is misleading and damaging to my credit profile.

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 the 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint with TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions.transuion 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 ) .15u.s.c1681 which mandates a reasonable of dispute.futhermore transunion actions may also contravene the consumer financial protection act ( cfpb ) 12u.s.c 5536 ( a ) ( 1 ) ( a ) - ( b ). As highlighted in the cfpb recent administration proceeding ( XXXX ) against them for similar violations. I request that cfpb take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.

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: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filling a complaint against cash app ( block , inc ) due to inadequate the 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 in financial loss and I seek appropriate redress for those 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

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 ( 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am supposed to have my direct deposit from my check today XXXX. I still do not have access to my funds. Only info is a third party vendor is having issues. I would like my money, bc if this was their money missing they would ruin my credit score and fine me.

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: LA

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 Transfers 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 filing a complaint against Cash App ( Block , Inc. ) Due to In adequate 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: 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 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 ( 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: 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: SC

Complaint narrative:
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite numerous requests over the past four months, the debt collector has failed to provide any documents or validate the information regarding the alleged debt. All inquiries made by me have been met with claims that they have no information to show, despite my submission of inquiries related to late payments, collections, and inquiries. I initially requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I asked for : 1. A complete and itemized statement of the alleged debt, including the original creditors name, the date the debt was incurred, and the amount of the original debt. 2. A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt. 3. A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization. 4. Proof that the agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation. 5. A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence. Per the FDCPA, they were required to respond to my validation request within 30 days of receipt. During this time, all collection activities were supposed to cease, and any negative information reported to the credit bureaus should have been removed. However, the debt collector has not complied with these requirements. This lack of response represents a violation of my rights under the FDCPA. Additionally, I am now invoking my right under FDCPA, 15 U.S.C. 1692c ( c ), to demand that the agency ceases and desists from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters, and electronic communications to me, my family, friends, or place of employment, as well as reporting data on my consumer report. Any further attempts to contact me regarding this matter will be considered harassment and may result in legal action against the agency.

Company response to consumer: Closed with non-monetary relief
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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes particulalry in light of recent cfpb lawsuit hifhlighting significant issueswith the platform. Despites using zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claimsadequately. They informed me that recovering lost funds was imposible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that zelle has not onlyneglected to protevt consumers but has also allowed repeate 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
Id tried to transfer a specific amount and never got it transferred and the funds are missing

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I became aware of an Experian lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, alleging that Experian conducted " sham investigations '' into consumer disputes, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX  In XX/XX/XXXX, I discovered that " XXXX XXXX XXXX '' ( Account Number : XXXX ) had begun reporting a fraudulent and inaccurate account on my credit report. This account originated from " XXXX XXXX XXXX XXXX '', also known as " XXXX XXXX '', a property management company located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. The account was reported without my authorization and does not correspond to any debt I owe. 

Prior to this, on XX/XX/XXXX, in the State of Michigan XXXX XXXX XXXX of XXXX XXXX, Case Number XXXX, the court dismissed the plaintiff 's money claim against me without prejudice. Despite this dismissal, " XXXX XXXX XXXX '' continued to report the erroneous account, negatively impacting my credit score and financial stability. 

Approximately one year ago, I contacted " XXXX XXXX XXXX '' through my premium account with Experian IdentityWorks, requesting detailed information regarding this account. The communication occurred on a recorded line facilitated by Experian IdentityWorks. To date, " XXXX XXXX XXXX '' has not provided any requested documentation or explanation. 

To resolve this matter, I uploaded substantial proof along with my disputes, including legal documentation, original lease agreements, contracts, court findings, and additional evidence. As a result, XXXX XXXX XXXX removed the account from the other two credit bureaus, XXXX and XXXX. However, despite numerous disputes and submissions of all necessary evidence to Experian via their dispute platform and at experian.comXXXX, this account remains marked as " Verified '' and " Accurate '' on my Experian report. 

Experian has provided no details or rationale for supporting the reporting of this account. Their decision has caused significant harm to my credit profile and financial security, leaving me vulnerable to further fraudulent activities. This aligns with the CFPB 's allegations that Experian fails to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 

https : //www.consumerfinance.govXXXX

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 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 solution 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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
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: 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.

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

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: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX INFORMATION SERVICES, LLC for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICE, LLC for its repeated failure to remove inaccurate Inquiries information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. INACURATE INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX INFORMATION SERVICES , LLC has failed to comply with the law and has retained the inaccurate account information., EQUIFAX ALWAYS RESPONDS AUTOMATICALLY AND DOES NOT PAY ATTENTION TO THE EVIDENCE THAT IT SENT. The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX INFORMATION SERVICES, LLC to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX INFORMATION SERVICE , LLC for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX INFORMATION SERVICES, LLC upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. Sincerely, XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has failed to fullfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverified accounts unresolved.

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