vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 45.5k financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I purchased financed a SUV, secured a loan thru TOYOTA FINANCIAL SERVICES, car payment was {$1200.00} per month. The loan was for XXXX. throughout the XXXX years at times due to illness I had to call in to TOYOTA FIANANCIAL SERVICES to ask/ inquire to see what assistance was available due to my hardship, less hours worked due to XXXX = less pay. I was advised verbally via phone that the payments deferred/ extension would be added to the end of the loan when asked what that meant, I was advised my maturity date would be extended, by the # of months deferred/ extension., so if it was extended XXXX months, it would be XXXX months longer than my original maturity date. I was ok, with that because my credit means a lot to me & I needed my car to continue to go to work.I had many health issues throughout the XXXX  years due to my illness, so I had a total of XXXX extension which meant i would have to pay {$1200.00} for an additional XXXX months after my original maturity date, I did just that, paid each month on time full amount for now XXXX years. Now, I am at the end of the extended period & TOYOTA FINANCIAL advises AFTER I inquire as to why I have not received my title, that I OWE XXXX approx. in interest charge for the extensions I was provided due to hardship & during COVID due to unable to work due to XXXX. I was FLABERGASTED, I was NEVER advised of such charges when requested & provided hardship extensions NEVER. I did not have a extension the last XXXX years of the loan at all & no one ever advised oe sent ANYTHING in writing to me regarding said INTEREST CHARGES. I was NEVER advised of this. I called TOYOTA FINANCIAL explained numerous times & to them I was never informed of said charges, TOYOTA FINANCIAL has since HARASSED me for this XXXX interest charges after I have paid off the card in full, TOYOTA has added XXXX late payments on my credit report for the last XXXX payments that they say is interest I wasn't late, they have RUDE & aggressive collections calls daily, also have THREATENED to REPOSESS my car for interest charges for the extensions. I have asked that TOYOTA FINANCIAL provide me with the proof that I was advised & agreed to this & TOYOTA FINANCIAL advised me that they DID NOT verbally provide this information to customers over the phone back then & a email was sent after to a email address, I never received ANY email regarding said notices & they have not been able to prove/ verify this information ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MS

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 have was charged fees due to lagging 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 and investigation into my account and 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 2025-01-21 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: CA

Complaint narrative:
I am disputing the following accounts on my credit report as they are not an accurate representation : XXXX XXXX XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX. Despite my dispute ( s ), the CRA has failed to provide accurate or any documentation verifying these accounts such as contracts, billing records, or account agreements. The CRA also has failed to accurately dispute or look into my dispute, saying that they can not be disputed and will not be looked into. Without appropriate reinvestigation that is required under FCRA 611 ( a ) ( 6 ), there is a lack of proper Evidence which these accounts can not be displayed as accounts under my name that is provided to the credit bureaus, which misrepresents my credit profile to lenders.

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 2025-01-21 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: IL

Complaint narrative:
there are unauthorized accounts on my credit report. I did not open these accounts ' XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) XXXX ( {$22000.00} ) ( XX/XX/XXXX ) DeptedXXXX ( {$16000.00} ) ( XX/XX/XXXX ) DeptedXXXX ( {$7600.00} ) ( XX/XX/XXXX ) DeptedXXXX ( {$3400.00} ) ( 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 44.3K have caused significant inconvenience and financial loss, and I seek appropriate redres. * ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
Hello my name is XXXX XXXX and I am having problems with Transunion, XXXX and XXXX giving me any type of response regarding such collections on my credit file, I am trying to move forwards in life and I must say they have made it quite difficult for me, can someone assist? Please look at the accounts listed below Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX 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 2025-01-21 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 to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 my lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, the Bureau issued an order against Block, Inc. ( Block ), a nonbank headquartered in XXXX, California which operates Cash App, a mobile payments application through which consumers can send and receive money through peer-to-peer transfers. The Bureau found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled my credit report and seen some fraudulent hard inquiries on them, and I need them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: PA

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 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 repeated 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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am seeking your help to investigate accounts from companies reporting late payments inaccurately. Upon reviewing my credit report, I discovered specific accounts marked with late payments, which is incorrect. There should be no late payment records on these accounts.

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 2025-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My complaint is against Comenity Bank/XXXX XXXX XXXX XXXX XXXX Bread Financial '' ( very befitting name ) for not allowing consumers to make credit card payments and have said payments posted on the SAME DAY via their website or by phone with a representative AFTER XXXX XXXX. I live in the state of Georgia, and the last time I checked, it's not another day until XXXX XXXX. Consumers are being overly charged for unnecessary late fees & penalties because of this. I personally have complained to ComenityXXXX XXXXXXXX XXXX XXXX and have yet to be contacted by ANY member of their management team nor executives to address this situation. Much less, when I demanded an explanation in writing as to WHY their " company policy '' regarding the timeframe for payments to be posted and applied the same day only up until XXXX exists. Do they possess some other type of software or " system '' different from most ALL other credit card companies that allow consumers to make payments and have posted same day until XXXX XXXX. Again, they could not produce such explanation because this is an illegal tactic for the sole purpose of racking up late fees. My statement balance for XXXX was {$25.00} ... I paid {$25.00} on XX/XX/year>XXXX XXXX XXXX and was charged a late fee of {$28.00} ( without a statement balance ) for the month of XXXX. On XX/XX/year>, I paid {$30.00} AFTER XXXX and was told I would be assessed ANOTHER LATE FEE FOR THE LATE FEE!!! ABSOLUTELY NOT!!! 

I am EXTREMELY TIRED of consumers bearing the burden of these greedy corporations and no one is looking out for our best interests. I want XXXXomenity BankXXXX XXXX XXXX " Bread Financial '' to change this policy immediately and be SUED IN A CLASS ACTION LAWSUIT to re-coup ALL LATE PAYMENT FEES INCURRED BY CONSUMERS AS A RESULT OF THIS POLICY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX I am filing this cfpb complaint to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, Experian credit reporting agency block all information on my credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an XXXX XXXX account opened on XX/XX/XXXX under account number XXXX with a balance of {$110.00}, an account was opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$590.00}, and a XXXX XXXX XXXX account opened on XX/XX/XXXX, account number XXXX with balance of {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've listed the hard inquiries in question as well as a copy of the identity theft affidavit. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my Consumer Credit Report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts collection and hard inquiries are a result of identity theft and fraud. Please have these accounts removed from my credit reports, for they are hurting my ability to obtain credit.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX  known as cash app. The XXXX number was fake I couldnt talk to a live agent and there were things going on with my account and my information was stolen. My funds were also taken out of my account

Company response to consumer: Closed with explanation