vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 CFPD 's findings indicate that Zelle has not only neglected to protect consumers but 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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 2025-01-19 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 was scammed and zelle would not refund me my money. I contacted my bank and they told me I'd have to request a refund through zelle for services not received. Unfortunately zelle was unwilling to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 2025-01-19 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:
On XX/XX/year> XXXX was taken from my account 7 times and when I tried to notify cash app they suspended my account and I could no longer use cash app again they tried to say my belonging was taking wit a scam but it wasnt someone stole my phone and was sending my money to another cash app I immediately contacted cash app and they failed me

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

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX  Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company 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 — Problem with personal statement of dispute
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
Subject Formal Complaint Regarding Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau, XX/XX/year> My name is XXXX XXXX XXXX, and I am filing a formal complaint against XXXX, XXXX, and XXXX for their failure to remove inaccurate information from my credit report, despite my repeated efforts to address this issue. Specifically, I have a student loan that has been fully paid off ; however, it continues to appear as active on my credit report. 

This incorrect information not only constitutes a violation of my privacy but has also caused significant harm to my financial well-being. The presence of this inaccurate data has negatively impacted my creditworthiness, limiting my ability to access credit and secure favorable financial terms. 

I have taken proactive steps to resolve this matter directly with each of these credit reporting agencies. I wrote letters requesting that they remove the incorrect information from my credit report, including a demand to remove all related information associated with the paid-off student loan. Despite my efforts, the agencies have failed to act in a timely and appropriate manner to correct these inaccuracies, further compounding the harm caused. 

As a consumer, I rely on these credit reporting agencies to maintain accurate and reliable information, as required under the Fair Credit Reporting Act ( FCRA ). Their failure to uphold these standards is unacceptable and warrants immediate attention. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit report is updated to reflect accurate and complete information. Additionally, I urge the CFPB to take appropriate measures to ensure these agencies comply with their legal obligations to protect consumer data and prevent further harm caused by such inaccuracies. 

Please let me know if additional documentation or correspondence is required to assist in resolving this issue. I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has advised the XXXX XXXX XXXX that I have unclaimed property under my name for American Express prepaid cards under my name by will not provide the value on the cards to me.

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: NC

Complaint narrative:
I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30 day period ( 15 U.S.C. 1681i ( a ) ).

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear Experian Dispute Department I am writing to formally dispute inaccurate information present on my credit report. Despite previous attempts to rectify these errors through your standard dispute process, the inaccuracies persist, adversely affecting my creditworthiness. 

I wish to bring to your attention the recent lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>. The CFPB alleges that Experian has been conducting inadequate investigations into consumer disputes, failing to remove or correct inaccurate information, and improperly reinserting previously deleted errors into consumer credit reports. 

Specifically, the CFPBs lawsuit highlights that Experian : Conducted superficial investigations that did not adequately address consumer disputes. 
Failed to delete inaccurate, incomplete, or unverified information from consumer credit files. 
Reinserted previously deleted inaccurate information without proper notification to consumers. 
Did not follow reasonable procedures to ensure maximum possible accuracy of the information reported. 

These practices are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct thorough investigations and maintain accurate information. 

In light of these allegations and the ongoing issues with my credit report, I request that Experian : 1. Conduct a comprehensive reinvestigation of the disputed items listed below, ensuring that all relevant information is considered and that the investigation adheres to FCRA requirements. 
XXXX. Provide a detailed outcome of the reinvestigation, including any changes made to my credit report and the rationale behind those decisions. 
XXXX. Prevent the reinsertion of any previously deleted inaccurate information unless it can be verified as accurate and complete, with proper notification to me as required by the FCRA. 

The specific items I am disputing are : I have enclosed copies of relevant documents supporting my position. Please reinvestigate these matters and correct the inaccuracies promptly. 

Given the CFPBs recent legal action and the serious nature of these allegations, I trust that Experian will handle this dispute with the utmost diligence and in full compliance with federal regulations. 

Please confirm receipt of this dispute letter and inform me of the steps being taken to address these issues. I expect a response within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of {$0.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing this complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent fraud on their platform leaving my account vulnerable and unprotected These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Also the dispute resolution system is unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was informed a dispute was resolved in my favor. The balance has gone back to XXXX. The representative confirmed no payment will be drawn from my account. 

However, on XX/XX/XXXX, I saw autopay drew {$48.00} from my checking account despite the XXXX balance. My BoA credit balance now has gone to XXXX. 

I called to get the XXXX out and corrected. I was told to wait XXXX to XXXX business days for the XXXX dollars to be send back to my checking account. 

XXXX days have passed. Balance stayed XXXX. 

On XX/XX/XXXX, I called again because balance was still- {$48.00}. A representative named XXXX picked up the phone, reassured me the balance will be refunded by XX/XX/XXXX. 

XX/XX/XXXX. No refund was processed still. I called again. The call took XXXX minutes. A representative now says it will take XXXX billing cycles to get the negative balance back. I was transferred to a XXXX, who now says the request was submitted as a " payment error inquiry '', not a " regular refund request ''. She will have to restart the process all over again and I will not see my refund arrive by at least XXXX or later.

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 monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Meta Payments Inc.

Complaint narrative:
In the morning i woke up founding some purchases in XXXX  XXXX XXXX XXXX, three purchases in amount over XXXX while i am in XXXX i dont have any account for them and i request them to return my money back. All my card is secured and no one can access them i need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has advised the XXXX XXXX XXXXXXXX  that I have unclaimed property under my name for American Express prepaid cards under my name by will not provide the value on the cards to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
The name of the company is Affirm there were unauthorized transactions created upon my name. I am worried because this will be demolishing to my credit score. I owe approximately over {$1000.00} for items at XXXX that I did not purchase.

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

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: 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: DE

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate & or unverified accounts unresolved! The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses & 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. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians 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 2025-01-19 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: GA

Complaint narrative:
This letter addresses ongoing issues with Equifax regarding their failure to properly investigate and resolve disputes on a credit report, with no clear method of verification provided. These practices reflect the allegations in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which accuses the company of violating the Fair Credit Reporting Act ( FCRA ) by mishandling consumer disputes, failing to verify data accurately, and providing unclear dispute results.

Company response to consumer: Closed with non-monetary relief