vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding zelle 's handlining of in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financials institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking there transactions was unfeasible. The CFB 'S fining indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX 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, XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cashapp ( 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, leading my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive and they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$XXXX} - Charge off- XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off- XXXX  XXXX Date Opened XX/XX/XXXX Date XXXX XXXX XXXX - Late/Closed- XXXX XXXX XXXX, XXXX XXXX Date Opened XX/XX/XXXX - - Late/Closed-

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a XXXX XXXX XXXX Credit Card. The contract states that I have a 12 month period to pay off a balance, and as long as I pay that balance within 12 months, I won't be charged interest. I made the following charges : XX/XX/XXXX {$XXXX} ( giving me until XX/XX/XXXX to pay it off before being charged interest ) XX/XX/XXXX {$XXXX} ( giving me until XX/XX/XXXX to pay it off before being charged interest ) XX/XX/XXXX {$XXXX} ( giving me until XX/XX/XXXX to pay it off before being charged interest ) I have been making monthly payments of {$XXXX} since XX/XX/XXXX, {$XXXX} since XX/XX/XXXX, {$XXXX} since XX/XX/XXXX, and {$XXXX} since XX/XX/XXXX. Based on the amount I paid, I should've paid off the {$XXXX} on XX/XX/XXXX, and {$XXXX} on XX/XX/XXXX. However, I was charged {$XXXX} in interest on XX/XX/XXXX, and {$XXXX} in interest on XX/XX/XXXX. 

When I called XXXX about the interest charges, they informed me that instead of using my payments to pay off the earliest charges first, the computer applied in payments in such a manner where I didn't pay off my charges in a XXXX  month period. This is very different from before, where the earliest charges were paid off first. Unfortunately, when I log into my account, XXXX only kept statements as far back as XX/XX/XXXX, and activity as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing this to formally express my concerns regarding the Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant problems 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 they were recovering lost funds was impossible and that tracking them was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving other users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Data Breach and Request for Credit Report I am writing to formally file a complaint regarding the exposure of my personal information due to a data breach. This breach has caused my sensitive data to be exposed and accessed without authorization, which has caused an impact on my credit report and financial standing. 
Under the Fair Credit Reporting Act 15 U.S.C. 1681C-2 I am requesting that all inaccurate, fraudulent, or unauthorized information be removed from my credit report immediately. Specifically, the FCRA mandates credit reporting agencies to block and delete any information resulting from identity theft or fraud upon receipt of a valid request and supporting documentation. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and must investigate any disputes about inaccuracies. If any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed promptly. 

Additionally, under the FCRA 1681N and 1681O, violations of these rights can result in penalties, including damages for non-compliance. I believe these provisions are relevant in my case as the ongoing presence of compromised information on my credit report reflects non-compliance with these federal protections.

I urge the CFPB to take immediate action to investigate this matter and ensure that the credit reporting agencies involved are held accountable. Please advise me of the next steps required to resolve this issue and protect my rights under federal law.

FCRA 1681e ( b ) FCRA 1681 I ( a ) ( 5 ) Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Data Breach and Request for Credit Report I am writing to formally file a complaint regarding the exposure of my personal information due to a data breach. This breach has caused my sensitive data to be exposed and accessed without authorization, which has caused an impact on my credit report and financial standing. 

Under the Fair Credit Reporting Act 15 U.S.C. 1681C-2 I am requesting that all inaccurate, fraudulent, or unauthorized information be removed from my credit report immediately. Specifically, the FCRA mandates credit reporting agencies to block and delete any information resulting from identity theft or fraud upon receipt of a valid request and supporting documentation. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and must investigate any disputes about inaccuracies. If any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed promptly. 

Additionally, under the FCRA 1681N and 1681O, violations of these rights can result in penalties, including damages for non-compliance. I believe these provisions are relevant in my case as the ongoing presence of compromised information on my credit report reflects non-compliance with these federal protections.

I urge the CFPB to take immediate action to investigate this matter and ensure that the credit reporting agencies involved are held accountable. Please advise me of the next steps required to resolve this issue and protect my rights under federal law.

FCRA 1681e ( b ) FCRA 1681 I ( a ) ( 5 ) Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked Experian to provide proof of a bankruptcy filing. They determined that the public record would remain on my report, and DID NOT provide the verification I requested. Instead, they said it would remain on my credit report until XX/XX/2025.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Credit Charges Due to Expired Breach 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute certain charges on my credit report that I believe are inaccurate and related to an expired data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I request a thorough investigation into this matter and the removal of these inaccuracies from my credit file. 



Additionally, I am concerned about the documented failures of XXXX, as outlined in the CFPBs recent lawsuit ( XX/XX/XXXX ), which alleges that XXXX has conducted sham investigations of consumer disputes, failed to properly review disputes, and improperly reinserted inaccurate information into consumer reports. These violations have harmed consumers by allowing inaccurate information to remain on credit reports, threatening access to credit, employment, and housing. 



The specific charges I am disputing are as follows : 1. Original Creditor : XXXX XXXX XXXX  XXXX in Dispute : {$370.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX. 
Status Updated Date : XX/XX/XXXX 2. Original Creditor : XXXX XXXX XXXX  XXXX in Dispute : {$330.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX Status Updated Date : XX/XX/XXXX XXXX. Original Creditor : XXXX XXXX XXXX XXXX in Dispute : {$770.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX ' Status Updated Date : XX/XX/XXXX XXXX. Original Creditor : XXXX Bank XXXX in Dispute : {$1700.00} Balance Updated Date : XX/XX/XXXX Date Opened : XX/XX/XXXX Status Updated Date : XX/XX/XXXX I believe these charges are invalid because they resulted from unauthorized access to my personal information due to a data breach or were not initiated or authorized by me. These inaccuracies have negatively impacted my creditworthiness, resulting in [ denials of credit, higher interest rates, etc. ]. 



Under the FCRA, consumer reporting agencies are required to ensure accuracy in consumer reports and conduct proper investigations into disputes. Based on the CFPBs findings, I am concerned that Experians investigation processes may not comply with federal law, and I request your oversight to ensure this matter is handled fairly and thoroughly. 



I request that the inaccurate information be removed from my credit report. Please confirm receipt of this letter and provide updates on the status of my dispute. I expect a response within 30 days, as required under the FCRA. 



Thank you for your attention to this matter. 



Sincerely,

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

Complaint narrative:
I am filing a complaint against Cashapp ( Block , inc ) Due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Cashapp Specifically failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore there 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 lost and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX XXXX ) against them for similar violations. I request that Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
**Subject : ** Dispute of Inaccurate and Invalid Account Information. 
I am writing to dispute the accuracy and validity of certain accounts on my credit report. Please find the details below : XXXX. **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts contain inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). I request that you conduct a full reinvestigation under **15 U.S.C. 1681i**. Additionally, please verify the accuracy and validity of these accounts with the furnishers, as required by **15 U.S.C. 1681s-2 ( b ) **.

Specifically, I dispute the following : incorrect balance account, inaccurate late payments, I request that you provide written results of your investigation within the 30-day time frame mandated by law and remove any unverifiable or inaccurate information from my credit file. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX social Security XXXX Would you like a tailored draft specific to one account or more details about the laws?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: DISCOVER BANK
State: NY

Complaint narrative:
First I've already been a victim.Have a class action lawsuit against XXXX  XXXX.And received a statement check less than XXXX months ago. Also XXXX XXXX XXXX Did in fact frauduently access my XXXX XXXX account, Also along with XXXX XXXX  and XXXX XXXX ( XX/XX/year> ). 

XXXX very serious issues going on with XXXX XXXX right now. They are hiding my entire credit profile To make it look like I have no credit. These actions only Only aide XXXX criminals like my sister XXXX XXXX Who mis use identity To obtain government assistance Such as social security Or d s s. I've had this XXXX XXXX account for 7 years And open Credit. 
Accounts that I have that are in good standing And the monthly payment is being met. 

The other issue on the table is the fact that the class action XXXX XXXX XXXX Was for their guarantee of credit approval. They have. 
One sitting there right now With the company of avant Using personal information of mine Updated previously and know that i'm not using such as XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting a complaint against Equifan for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: VA

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