vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/scrub> 2024 A REGULAR MONTHLY PAYMENT IN THE AMOUNT OF XXXX XXXX XXXX XXXX DOLLARS ( {$1600.00} ) WAS SENT THROUGH ZELLE AND RECEIVED BY AN UNKNOWN PERSON. The intended payee was in my contacts, however, her Zelle number fraudulently changed. Zelle and the banking institutions did not alert either one of us of the change, therefore, the funds were fraudulently deposited into an account other than the intended payee. Because the intended payee is in my contacts, no alert was provided prior to confirming the payment. AFTER the payment was received by the culprit, his name and telephone number were posted. IF this information been present prior to submitting the payment, ZELLE would have sent a warning. Normally if a payee is not in my contacts I receive an alert before confirming the payment. XXXX, my banking institution would not investigate the transaction as requested. XXXX labelled the transaction as error NOT fraud. AFTER filing a police report, XXXX did reimburse me the total amount of the payment loss, however, the perpetrators have not been investigated. The banking institution of the perpetrators, XXXX XXXX, agreed to cooperate with the disclosure of the recipient upon request from XXXX or law enforcement. XXXX refused and our local law enforcement needed XXXX 's support. Since XXXX refunded me of the monies lost, the law enforcement ( XXXX Police Department ) closed the case. 

Five months later, a person in my contacts had a notification from her banking institution, XXXX, alerting her of a number change on her Zelle account. She notified both Zelle and XXXX that she did not authorize the number change. Neither institutions provided clarity on how the fraudulent number change occurred. 

XXXX people in my contacts experienced unauthorized number changes to the Zelle account and neither Zelle or the banking institutions have answers. Unfortunately, my bank, XXXX, refused to follow up, therefore, allowing the culprits to continue these fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 ( 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 provide consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am found a complaint against cash app due to customer service to unfair practices which violate the customer financial protection act pacifically Cash App fail to take timeline effective measures to prevent an address on their platform leaving my account burnable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they did not comply with earth resolution requirements under the electric fund transfer act in regulation these actions have caused significant inconvenience and financial laws and I see appropriate redress for violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Loqbox US Inc
State: TX

Complaint narrative:
I am a victim of identity theft and Im filing this complaint about a LOQBOX account ending in XXXX on my credit file resulting from the crime. Upon checking my credit reports due to denial of credit application, I was made aware of this debt that doesnt belong to me. A report has been filed with XXXX XXXX Police Department, who is in the process of finding the unknown perpetrators. I had my identification, social security card, and debit cards stolen several times which was documented by XXXX XXXX Police Department and XXXX XXXX XXXX Department, therefore I am still unsure who is responsible or how they committed the crime. I contacted Loqbox by phone, contact box on their website, and by mail to give notice about this issue, however the accounts have not been removed from my credit files.

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorize, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, we transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 Zelles 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 institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX, Transunion and XXXX for furnishing transactions on my credit report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( The following account reporting ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are reporting these transaction as Late, ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with those company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I am concerned that these negative reporting are impacting my ability to obtain credit, rent an apartment and find employment

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX, XXXX and Equifax for furnishing transactions on my credit report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( The following account reporting ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX They are reporting these transaction as Late, ( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with those company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am concerned that these negative reporting are impacting my ability to obtain credit, rent an apartment and find employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal has overdrawn my account on many occasions with my bank accounts reflecting lower balances then the amount of a payment and often time the bank will authorize those payments to some how go through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 have been using Equifax for a while. I have been disputing things on my account that I never authorized or have any contracts or agreements with these agencies or companies, such as, collections, personal information that is not mines, and inquires that I didn't authorize. Every time I call, they say we are going to do our best to get this resolved and all the disputes say verified but no one has ever truly verified anything and I ask for removal and nothing happens. I called XXXX XXXX XXXX XXXX to address my concerns and my account all of a sudden being locked, get this stuff resolved with ongoing disputes for almost a year. The representative made me very uncomfortable asking for my full social security number and every piece of personal private information. I never had to give all that information before. I even verified my identity already with Equifax by uploading a picture of my ID though text authentication method. I stated that to the representative and he had no answer, I asked for a United States representative, he said he couldn't do that. I asked for a XXXX, I then connected with XXXX XXXXXXXX XXXX XXXX, XXXX of Equifax, explained her the situation about my account being locked and my disputes issues. XXXX asked for a picture copy of my social security card and my ID. I told her i feel uncomfortable because 1. they just had a major data breach, 2. I never have been asked for a picture of my social security card to verify my identity for a account such like Equifax. She never gave me a real answer, just keep saying small useless phrases. This is real unprofessional, funny activity, and every time I bring up the fair Credit Report Act, United States Code, and Consumer Credit report Act, the conversation turns into clown show. This is very tyrant like activity and these concerns have gone way beyond they time frames and bounds that 15 U.S. Code 1692g - Validation of debts, states in the law, but this stuff is still attached to my account hindering me from living my life how its supposed to be lived. I am very disgusted and overly ready for some real authentic results that are in concordance with the FCRA and United states Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Kriya Capital, LLC
State: AL

Complaint narrative:
XXXX is reporting a company on my credit report has delinquent thats not accurate The Account do not belongs to me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by Equifax hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 

Your company can be fined as well if information isn't provided. 

Please provide the details to investigation or remove from my report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Back in XXXX I use XXXX as a form of payment for my business. When I had a customer send me money back in XX/XX/XXXX they sent the money to the wrong person and I never received my payment for the service I provided for them due to them not getting a refund. Another time I use XXXX XX/XX/XXXX I sent money to a vendor to receive supplies for my cleaning business and I sent the money to the wrong person because I typed XXXX wrong number and I could not receive a refund and I spoke with customer service at the bank and XXXX. This happened multiple times where I send money and the money doesnt process right away

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 2025-01-19 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: FL

Complaint narrative:
My information showed up in a data breach and incorrect information

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 2025-01-19 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: FL

Complaint narrative:
My information showed up in a data breach and incorrect information

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 2025-01-19 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: TX

Complaint narrative:
I have disputed an inaccurate collection account on my credit report with TransUnion more than seven times. Despite my repeated efforts, TransUnion has failed to conduct a proper investigation into the disputed account as required by federal law. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies ( CRAs ) are legally obligated to investigate disputed information when a consumer provides a dispute. Each time I submitted my dispute, TransUnion has responded inadequately without addressing the inaccuracies or removing the account, which remains unverifiable and contains errors.

Additionally, the FCRA Section 609 ( 15 U.S.C. 1681g ) requires CRAs to provide consumers with all information in their credit file upon request, including the sources of information for any reported items. TransUnion has failed to provide clear and complete details regarding the origin and validation of the disputed collection account. The continued reporting of unknown and unverifiable information is a violation of Section 623 ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of credit information only report accurate and complete data.

TransUnions failure to correct or remove the disputed account after multiple verifications constitutes willful noncompliance under Section 616 ( 15 U.S.C. 1681n ), which provides consumers the right to take legal action for damages caused by negligent or intentional violations of the FCRA. I have provided all necessary evidence and communicated multiple times, yet they have not met their investigative obligations. 

I am requesting the immediate removal of this erroneous account from my credit report and a complete and accurate disclosure of the information sources as required by law.

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 2025-01-19 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:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive had where I sent money and the number wasnt verified it ended up being the wrong person and I was never able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

Company response to consumer: Closed with explanation