vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: AR

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 S {$5500.00} ( 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 2025-02-02 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 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 EFTA and Regulation E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
I am formally filing a complaint against Experian for failing to conduct a proper investigation into disputes regarding inaccuracies on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite submitting multiple disputes, Experian repeatedly responds in a short timeframe, asserting the accuracy of my account information without providing any evidence of a thorough or reasonable investigation.

This practice appears to violate the FCRA, which mandates credit reporting agencies to conduct reasonable investigations of consumer disputes. Additionally, Experians actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ), which prohibits unfair, deceptive, or abusive practices. Given Experians history of similar violations, its failure to provide proof of investigation undermines the integrity of the credit reporting system and harms consumers who rely on accurate credit information.

The disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
The app/company has made claims that were false or deceptive and as a customer I had no idea the app was illegal. Many transactions have been sent to this company who is constantly changing there name. Id like to dispute these charges as it pertains to illegal gambling operations that are not licensed in my jurisdiction, thus violating consumer protection laws. I request an immediate investigation and a full refund for this transaction. This is not an item not received case. Its scam app who has deceitful practices and illegal gambling operations. They have no casino license. They do no age verification. There not regulated by the state of Missouri. I saw a review on a casino review website that talked about people who were scammed by this very app/ company. I can not contact them. They are doing shady things. And I just want my funds back please. Deceitful company practices. App has been removed from the XXXX XXXX XXXX. I have spent a lot of money like a fool and I hope you guys can help me recover my funds. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
So, I already have an account with Experian that I made almost 3 years ago but I don't have access to the email/number. The email on file has since locked me out because I'm assuming I accessed it when I was across seas in XXXX last XXXX ( I'm American ), the information I need to verify that the account is mine I don't have because I made the account when I was in XXXX XXXX ( I'm XXXX ). Also the phone number on file with Experian, I don't have access to that anymore because I have a different number and this is also the same number I need to verify on my email address. I tried contacting Experian via phone call but they have a useless bot that can't help me fix the problem nor is it able to transfer my call to a human being.

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 2025-02-02 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: NC

Complaint narrative:
I am formally filing a complaint against Experian for failing to conduct a proper investigation into disputes regarding inaccuracies on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite submitting multiple disputes, Experian repeatedly responds in a short timeframe, asserting the accuracy of my account information without providing any evidence of a thorough or reasonable investigation.

This practice appears to violate the FCRA, which mandates credit reporting agencies to conduct reasonable investigations of consumer disputes. Additionally, Experians actions may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ), which prohibits unfair, deceptive, or abusive practices. Given Experians history of similar violations, its failure to provide proof of investigation undermines the integrity of the credit reporting system and harms consumers who rely on accurate credit information.

The disputed items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-02 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: IL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate inaccuracies in my credit report. Despite my repeated disputes and submission of supporting documentation, Equifax consistently responds within 24 hours, stating that the disputed information is accuratewithout providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of consumer disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar misconduct.

Furthermore, Equifaxs negligence in maintaining accurate consumer records and failing to properly investigate my disputes constitutes a violation of 15 U.S.C. 1681o, which holds them liable for civil damages due to their failure to comply with FCRA requirements. Their continued disregard for federal law has caused me undue harm, including potential denials of credit and exposure to fraudulent activity. 

Disputed Information : Incorrect Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Addresses : 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

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 2025-02-02 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: TX

Complaint narrative:
I have no knowledge of this I didnt authorize these inquiries please remove these inquiries 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 2025-02-02 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: TX

Complaint narrative:
I have no knowledge of this I didnt authorize these inquiries please remove these inquiries immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: VA

Complaint narrative:
Account name XXXX XXXX Account number XXXX Recent balance {$17000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number XXXX Type Credit Card Terms Not reported On record until XX/XX/XXXX Credit limit or original amount Not reported High balance $ XXXX  Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX number XXXX .... 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX Address identification number XXXX Original creditor XXXXXXXX XXXX XXXX XXXX Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date of status XX/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 2025-02-02 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: VA

Complaint narrative:
Account name XXXX XXXX Account number XXXX Recent balance {$17000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number XXXX Type Credit Card Terms Not reported On record until XX/XX/XXXX Credit limit or original amount Not reported High balance $ XXXX  Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account closed at credit XXXX 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX number XXXX .... 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX XXXX Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date of status XX/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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I asked them to send me the original contract with my signature but they wasnt able to produce

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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I disputed this debt within XXXX XXXX on XX/XX/year> requesting that they send the original contract of the debt since they are not the original creditor and I have not received any information. this debt buyer verified the information has correct and accurate without providing valid documentation and it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: IN

Complaint narrative:
I observed my credit reports and I found inaccuracies in the following accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  NA Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number xxxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number 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 non-monetary relief
Consumer complaint received 2025-02-02 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: IN

Complaint narrative:
I observed my credit reports and I found inaccuracies in the following accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  NA Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number xxxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: LA

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 to cover when the transactions were authorized, 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 where transaction settled with insufficient balances despite initial availability of funds. These practices are unfair and predatory and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: AL

Complaint narrative:
I have submitted NUMEROUS online disputes to Experian, Equifax and Transunion regarding the differing balances on my credit reports.

Not ONE time have I received any physical proof of any investigation being done on these accounts. 
Just a statement saying that the 'debt has been validated '. 
I am not questioning the validation of the debt. I am questioning why all three credit bureaus have differing amounts due for ALL derogatory accounts!! 

For example. The file I have included below from XXXX XXXX on Experian. How can the original balance be {$2300.00}. They wrote off {$1800.00}. And now I owe them {$4300.00}!! 
On another credit bureau, I only owe {$2300.00}!!!! 

Please assist in this matter. The credit bureaus don't care!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: AL

Complaint narrative:
I have submitted NUMEROUS online disputes to Experian, Equifax and Transunion regarding the differing balances on my credit reports.

Not ONE time have I received any physical proof of any investigation being done on these accounts. 
Just a statement saying that the 'debt has been validated '. 
I am not questioning the validation of the debt. I am questioning why all three credit bureaus have differing amounts due for ALL derogatory accounts!! 

For example. The file I have included below from XXXX XXXX on Experian. How can the original balance be {$2300.00}. They wrote off {$1800.00}. And now I owe them {$4300.00}!! 
On another credit bureau, I only owe {$2300.00}!!!! 

Please assist in this matter. The credit bureaus don't care!!!

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 2025-02-02 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: NJ

Complaint narrative:
I 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. 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 2025-02-02 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: NY

Complaint narrative:
I am writing express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issue with the platform.Despite using zelle numerous times 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 user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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