vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
Requesting for Reinvestigation and my refiling to EQUIFAX. When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The EQUIFAX must validate these accounts, this complaint to EQUIFAX is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they are totally erroneous.

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: MO

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, an adequately failing consumers of dispute outcomes. These failures align with my experience, we're experian has neither corrected or removed disputed items despite the evidence I have provided. Which has caused and ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violets Federal laws, 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 2025-01-16 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 about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that exposed significant shortcomings with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users exposed to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX XXXX XXXX , as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.

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 2025-01-16 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's Handling of Disputes particularly in light of recent CFPB Lawsuit highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies my financial intuition and Zelle failed to investigate my claims adequately. They informed me the recovering lost founds 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 2025-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX, we participated in a XXXX way call that paid off a XXXX truck payment ( almost XXXX ) to XXXX XXXX. The buyer gave his banking information and permission for a XXXX time non-reverseable payment. Fifth Third told us the account would close when they received their money. The next morning when we called the bank to verify receiving funds. They said the balance was XXXX. We called several more times that day and the last time we called our account was closed ( we have this recorded ). With the account being closed, we arranged and exchanged the truck at a gas station in XXXX, Georgia. 
On XX/XX/XXXX the bank called us for a late payment. We thought it was a scam and told them we do not even have an account with them any longer. Upon calling them back, we were told the guy reversed the payment on XX/XX/XXXX. 
We have filed a police report for a stolen truck since the buyer is not answering ( he did on XXXX but said he was in a meeting ) in XXXX XXXX Alabama and XXXX Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am not sure why PayPal keeps closing complaints such as complaint # XXXX that are unresolved as resolved. Not sure if they think this is to somehow just disappear. Obviously it seems CFPB has no teeth in actually addressing these issue so if you keep wasting my time I will refer this matter to an attorney for formal legal action. Stop trying to steal from me and return my money. PayPal is in fact a criminal organization. There have been several times where PayPal repeatedly tries to enable fraudulent merchants to steal from customers then it fabricates all sorts of excuses why legitimate complaints were closed unresolved. I keep hearing this nonsense from paypal that they returned a partial refund because I have used their platform for a certain amount of years. Listen, you need to stop that nonsense. And as a matter of fact, you need to refund my money in connection with the XXXX XXXX transaction and I will close out this paypal account ASAP. I dont need it. I dont need to use paypal. you are doing no one a favor. Refund my money and close out that account. Stop stealing from me. I will not tolerate this. A CFPB complaint was filed where in your response you simply rambled about when this account what opened and what cards was used to fund the account as if that has anything to do with the fact that on numerous occasions now, PayPal keep trying to steal from me and close cases that are unresolved. No I do no agree with your lame policy. Refund my money and I will close out that account. Go rob someone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
I am writing to express concerns about Zelle 's process with handling disputes, especially in recent information highlighting issues with the Zelle platform as well. I have been using Zelle for years and in experiences there have been times when discrepancies were found I feel as if my financial institution and Zelle did not investigate certain claim thoroughly. I was informed by them that it is impossible to recover lost money and tracking was not feasible. Of course that was a huge disappointment but what else could I do, I could not go higher up and inquire. I have been reading on the CFPB lawsuit with this company that Zelle has neglected to protect consumers and have allowed repeated offenders exploit the system subjecting consumers to scams! The lack of accountability and honesty about this is just insane and disheartening. This raises so much concern to user safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Name XXXX XXXX XXXX  Account Number : XXXX - Account Name XXXX XXXX XXXX  Account Number : XXXX - Account Name XXXX XXXX XXXX  Account Number : XXXX - Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX -- - Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -- Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
In XXXX, XXXX, and XX/XX/year>, I used Cash App, a service provided by Block , Inc., to purchase an item. Shortly after, I noticed unauthorized transactions on my account, resulting in unexpected financial losses. I promptly contacted Cash App 's customer support to report the issue and seek assistance.

Unfortunately, I encountered significant challenges : Lack of Responsive Customer Support : There was no direct way to reach a live representative, and the automated responses were unhelpful in resolving my concerns.

Denial of Fraud Claims : Despite providing detailed information, Cash App denied that any fraud had occurred and refused to reimburse the unauthorized transactions.

I have since learned that the CFPB has ordered Block , Inc. to pay {$170.00} XXXX in penalties due to inadequate security protocols and insufficient fraud recognition within its Cash App operations. 

My experience mirrors the issues highlighted by the CFPB, indicating systemic problems within Cash App 's handling of unauthorized transactions and customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have contacted first premier bank many times about a fraudulent account opened in my name that they refuse to remove. I have requested statements to no avail. I have also asked for a 1099 since they charged the account balance off also to no avail. This is misuse of my credit and also fraudulent that they are still reporting this debt and charged it off to the IRS with no 1099. Not only am i going to report XXXX XXXX XXXX  the IRS but I will also be suing them for statutory damages if this isnt removed from all 3 of my credit reports immediately.

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 2025-01-16 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: PA

Complaint narrative:
I have contacted XXXX XXXX XXXX  many times about a fraudulent account opened in my name that they refuse to remove. I have requested statements to no avail. I have also asked for a 1099 since they charged the account balance off also to no avail. This is misuse of my credit and also fraudulent that they are still reporting this debt and charged it off to the IRS with no 1099. Not only am i going to report XXXX XXXX XXXX  the IRS but I will also be suing them for statutory damages if this isnt removed from all 3 of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: PA

Complaint narrative:
I have contacted XXXX XXXX XXXX many times about a fraudulent account opened in my name that they refuse to remove. I have requested statements to no avail. I have also asked for a 1099 since they charged the account balance off also to no avail. This is misuse of my credit and also fraudulent that they are still reporting this debt and charged it off to the IRS with no 1099. Not only am i going to report XXXX XXXX XXXX the IRS but I will also be suing them for statutory damages if this isnt removed from all 3 of my credit reports immediately.

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 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: MS

Complaint narrative:
Debt collector is requesting additional fees not agreed upon with original creditor of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MD

Complaint narrative:
I am filing this complaint against XXXX, XXXX & Transunion regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-01-16 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:
I am filing this complaint against Experian, XXXX & XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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