vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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. Specifically, cash app to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as 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 2025-01-20 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and 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 2025-01-20 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 filing a complaint with cfpb regarding the zelle lawsuit. I was a victim of unauthorized payments that when I reached out to my institution was basically told I could get my money back.those situations put me in financial situations that could have been avoided.the lack of investigating discrepancies kept my account at risk of future scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MI

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent and Inaccurate Accounts To Whom It May Concern, I am filing this complaint regarding several fraudulent and inaccurate accounts that are being reported on my credit report. I have attempted to resolve these issues through the appropriate channels, but the inaccuracies remain. Below are the details of the accounts in question : XXXX. 
XXXX XXXX XXXX IN XXXX XXXX Creditor : XXXX XXXX XXXX Accts o Account Number : XXXX o Balance : {$240.00} o Dispute Reason : The collection agency has failed to provide any verification or valid documentation for this account. I request that this account be removed immediately, as it can not be verified. 
XXXX. 
XXXXXXXX XXXX o Account Number : XXXX o Balance : {$3900.00} o Dispute Reason : This is a fraudulent account. As per 15 U.S.C. 1681, I request the immediate deletion of this account from my credit report. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$600.00} o Dispute Reason : I have never owned a credit card. As per 15 U.S.C. 1681, this account is inaccurate and must be deleted immediately. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$960.00} o Dispute Reason : I have no knowledge of this account. Only XXXX bureau is reporting this account. Per Section XXXX of the Fair Credit Reporting Act ( FCRA ), any account that is potentially inaccurate must have the reporting party 's address conspicuously listed. This requirement has not been met, and I request this account be removed. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX Creditor : XXXX o Account Number : XXXX o Balance : {$1100.00} o Dispute Reason : The collection agency failed to provide any verification or valid documentation for this account. Please remove this account immediately. 
These accounts are either fraudulent, unverifiable, or inaccurately reported. I have attached supporting documentation, including a copy of my identification, my credit report with the disputed accounts highlighted, and any other pertinent documents. 
I respectfully request the CFPB investigate these matters and take appropriate action to ensure these inaccuracies are corrected. I also request written confirmation of the investigation results and the steps taken to resolve these issues. 
Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or clarification is needed. 
Sincerely,

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 2025-01-20 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: MI

Complaint narrative:
Subject : Formal Complaint Regarding Fraudulent and Inaccurate Accounts To Whom It May Concern, I am filing this complaint regarding several fraudulent and inaccurate accounts that are being reported on my credit report. I have attempted to resolve these issues through the appropriate channels, but the inaccuracies remain. Below are the details of the accounts in question : XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Accts o Account Number : XXXX o Balance : {$240.00} o Dispute Reason : The collection agency has failed to provide any verification or valid documentation for this account. I request that this account be removed immediately, as it can not be verified. 
XXXX. 
XXXXXXXX XXXX  o Account Number : XXXX o Balance : {$3900.00} o Dispute Reason : This is a fraudulent account. As per 15 U.S.C. 1681, I request the immediate deletion of this account from my credit report. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$600.00} o Dispute Reason : I have never owned a credit card. As per 15 U.S.C. 1681, this account is inaccurate and must be deleted immediately. 
XXXX. 
XXXX XXXX XXXX o Account Number : XXXX o Balance : {$960.00} o Dispute Reason : I have no knowledge of this account. Only one bureau is reporting this account. Per Section XXXX of the Fair Credit Reporting Act ( FCRA ), any account that is potentially inaccurate must have the reporting party 's address conspicuously listed. This requirement has not been met, and I request this account be removed. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX Creditor : XXXX o Account Number : XXXX o Balance : {$1100.00} o Dispute Reason : The collection agency failed to provide any verification or valid documentation for this account. Please remove this account immediately. 
These accounts are either fraudulent, unverifiable, or inaccurately reported. I have attached supporting documentation, including a copy of my identification, my credit report with the disputed accounts highlighted, and any other pertinent documents. 
I respectfully request the CFPB investigate these matters and take appropriate action to ensure these inaccuracies are corrected. I also request written confirmation of the investigation results and the steps taken to resolve these issues. 
Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or clarification is needed. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/scrub> 2024, a purchase was made from the website XXXX for {$140.00} using my Citi Bank credit card. The purchase was for 10 womens vintageXX/XX/XXXX bags. The bags arrived in horrible condition, all peeling and smelling like chemicals. The bags were listed as Grade C with no explanation to what a Grade C was, and only a zoomed out video showcasing the bags with no way of seeing the amount of damage shown. I filed a chargeback with Citi Bank, who closed the dispute in XXXX favor without requesting any proof from me whatsoever. 
Citi Bank reversed my credit and wants me to return the items, which XX/XX/XXXX XXXX initially had denied my attempt for a return in XXXX. When I requested XXXX allow me to return the items once again, XXXX cited that I must abide by XX/XX/XXXX return policy, but I did not use XXXX for my purchase. I used Citi Bank. XXXX only policy on returns states that they will cover the shipping cost for damaged items, however when I reached out to XXXX they told me they would not cover shipping. Shipping costs no less than {$100.00}, which would be more than half of the cost of the refund. Why should I pay {$100.00} out of pocket for extremely damaged goods?

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 2025-01-20 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: MN

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution Proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXXXXXX XXXX XXXX XXXX  savings accounts. Capital One misrepresented the XXXX Savings Account as having XXXX of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX XXXX XXXX Account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : 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/year>

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 2025-01-20 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: VA

Complaint narrative:
I am filing a compiaint against Equifax for failing to proper 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. These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$280.00} Needs Attention XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$5600.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$1300.00} Needs Attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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'm filing a complaint against Cash App. ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer Federal protection act specifically. cash app, failed to take time and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected for the more of the dispute resolution process was unfair and deceptive they did not comply with there resolution requirements on the electronic fund transfer act and regulation. These actions has significant interference and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
All money reported to be returned. Account were closed not sure why money was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 formally express my concerns regarding Zelle handling 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 claim 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 2025-01-20 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: AZ

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 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 transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair 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 2025-01-20 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: CA

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