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: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

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 repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
I have submitted dispute letters to all 3 credit reporting bureaus and I dont think that they looked into the claims properly. I sent letters to XXXX, XXXX, and transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit 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:
I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ) which mandates credit reporting agencies to conduct reasonable investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ) which mandates credit reporting agencies to conduct reasonable investigations.

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: NY

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 2025-01-18 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: IN

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 lag, posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices were transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair. And I requested 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
Under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

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

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 of these violations.

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

Complaint narrative:
I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX  XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit 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: GA

Complaint narrative:
I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX  XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian 's 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is not doing proper investigations i have had numerous investigations with little result with such simple things like personal information named spelled wrong address spelled wrong hard inquiries not authorized. 

1. Name ID # XXXX XXXX XXXX it shoukd be XXXX XXXX the i is missing 2. Address wrong Address # XXXX delete not a correct address listed twice the correct address is # XXXX XXXX. Address wrong Address # XXXX missing A delete not a correct address listed twice the correct address is # XXXX Never authorized any of these hard inquires XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX shouldnt be on my credit report any longer on there twicXXXX XXXX XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX credit XXXX XXXX XX/XX/XXXX should be on my credit report any longer Every single hard inquiries should be removed all are between XXXX and XXXX Experian credit report is attached as proof and they are obviously not doing the job and XXXX  should sue them and they are affectings people credit scores and not being responsible

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: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I gave them several calls about hard inquiries on my credit also information about things that was closed out on my credit and each time I talk to the representative they said that it was gon na be removed and nothing was done when you go back in there the same things are showing up on my credit They respond to me was they can not remove those things the hard inquiry in all the accounts that was discharged.

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: CO

Complaint narrative:
XXXX is not doing proper investigations i have had numerous investigations with little result with such simple things like personal information named spelled wrong address spelled wrong hard inquiries not authorized. 

XXXX. Name ID # XXXX XXXX XXXX it shoukd be XXXX XXXX the i is missing 2. Address wrong Address # XXXX delete not a correct address listed twice the correct address is # XXXX XXXX. Address wrong Address # XXXX missing A delete not a correct address listed twice the correct address is # XXXX Never authorized any of these hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX XXXX  XX/XX/XXXX XX/XX/XXXX shouldnt be on my credit report any longer on there twice XXXX XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX should be on my credit report any longer Every single hard inquiries should be removed all are between XXXX and XXXX XXXX credit report is attached as proof and they are obviously not doing the job and XXXX should sue them and they are affectings people credit scores and not being responsible

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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX is not doing proper investigations i have had numerous investigations with little result with such simple things like personal information named spelled wrong address spelled wrong hard inquiries not authorized. 

1. Name ID # XXXX XXXX XXXX it shoukd be XXXX XXXX the i is missing 2. Address wrong Address # XXXX delete not a correct address listed twice the correct address is # XXXX XXXX. Address wrong Address # XXXX missing A delete not a correct address listed twice the correct address is # XXXX Never authorized any of these hard inquires XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX shouldnt be on my credit report any longer XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX shouldnt be on my credit report any longer on there twice XX/XX/XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XX/XX/XXXXXXXX XXXX XX/XX/XXXX should be on my credit report any longer Every single hard inquiries should be removed all are between XXXX and XXXX XXXX credit report is attached as proof and they are obviously not doing the job and XXXX should sue them and they are affectings people credit scores and not being responsible

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

Complaint narrative:
I am filling a complains against Cash App ( Block , Inc . )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
upon checking my credit report ive noticed that hyundai motor finance reported me late on certain months.and it is hard for me to get credit because of those late payments.im asking for a courtesy goodwill reversal of those late payments as i will set up a autopay with the lease contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to express concerns regarding how Zelle handles disputes, particularly in reference to the CFPB lawsuit handling issues with the platform in itself. Despite using Zelle numerous times, providing feedback and reporting discrepancies my financial institution and Zelle failed to investigate claims. They have advised that recovering lost funds will be impossible and that there is no proper way to track these transactions. The CFPB findings shows that not only Zelle failed and negligence to protect its consumers but allowed repeat offenders to exploit and defraud the system leaving users vulnerable to scams. There is no accountability and transparency! It is unacceptable and raises concerns for 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i am disputing the accuracy of an entry of my credit report from XXXX. While my car loan was financed through XXXX, the loan service XXXX  has been reporting to the credit bureaus however bridgecrest is not authorized, as per loan agreement with XXXX, to report this information to the credit bureaus. 
Details XXXX. XXXX is reporting my loan payments to the credit bureaus but they are not listed in my contract with XXXX  as the authorized servicer. 
XXXX. I have contacted the credit bureaus previously but there has been no clear resolution regarding their reporting practices. 
XXXX. I believe XXXX  is reporting Inaccurately or without the appropriate legal authority.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i am disputing the accuracy of an entry of my credit report from XXXX. While my car loan was financed through XXXX, the loan service XXXX  has been reporting to the credit bureaus however XXXX  is not authorized, as per loan agreement with XXXX, to report this information to the credit bureaus. 
Details 1. XXXX is reporting my loan payments to the credit bureaus but they are not listed in my contract with XXXX  as the authorized servicer. 
2. I have contacted the credit bureaus previously but there has been no clear resolution regarding their reporting practices.

3. I believe XXXX  is reporting Inaccurately or without the appropriate legal authority.

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: GA

Complaint narrative:
I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuits 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 2025-01-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
It was a data breach and my information was exposed. Because my information has been exposed to who no who and thats not safe. 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 explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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. My account was hacked into once before, to protect my information, I had to completely close my account as they were no help to me. 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 cause significant inconvienence and financial loss and I seek appropriate redress for these violations.

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: VA

Complaint narrative:
I am filling 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