vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for their blatant and continuous violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and other applicable laws. Experian has willfully neglected its legal obligation to properly investigate disputes and update inaccurate information on my credit report, despite receiving sufficient documentation FOR OVER A YEAR! 

For accounts : XXXXXXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX : Account # XXXX I have submitted the following documents as evidence to resolve the issue : 1. A notarized FTC Identity Theft Report.

2. A notarized police report.

3. Copies of my government-issued identification.

4. Proof of address to verify my identity.

These documents were sent to Experian in compliance with their requirements. However, Experian has ignored or improperly handled my dispute, failed to provide adequate updates, and allowed inaccurate, damaging information to persist on my credit report.

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is actively suing Experian for repeated violations of consumer protection laws, which reinforces their pattern of negligence and disregard for consumers rights. Experian has not only caused significant harm to my financial standing but has also violated my rights to fair and accurate credit reporting.

If this issue is not resolved promptly, I am prepared to take legal action against Experian for : 1. Failing to correct errors on my credit report.

2. Neglecting their legal obligation to investigate disputes under the FCRA.

3. Inflicting harm and financial damages by allowing false information to persist.

This is a demand for immediate action. Experian must correct the inaccuracies on my credit report, provide documentation proving the completion of a thorough investigation, and comply with federal laws immediately. I will hold them accountable in court if they fail to take corrective measures.

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: GA

Complaint narrative:
( 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: 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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: IL

Complaint narrative:
I would like to be reimbursed for any transactions that I sent and couldnt get the money back for and or any transactions that has been reported or any funds that I was never able to receive from a check, sent funds, external funds, or money that sat in my activity that I couldnt get access too.

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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Violation of Title 4. TRUTH IN LENDING violations, misuse of report and violation of title 4. Credit score is not accurate and no positive information exists on report I am at age of Majority and of a sound mind Denial of credit is violation of title 4 and all reporting agency or data furniser do not have concent to use or share my private information permanently thats for any and all information personal identification data Report must be fair and equitable!

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: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NM

Complaint narrative:
Violation of Title 4. TRUTH IN LENDING violations, misuse of report and violation of title 4. Credit score is not accurate and no positive information exists on report I am at age of Majority and of a sound mind Denial of credit is violation of title 4 and all reporting agency or data furniser do not have concent to use or share my private information permanently thats for any and all information personal identification data Report must be fair and equitable!

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: ID Analytics, Inc.
State: NM

Complaint narrative:
Violation of Title 4. TRUTH IN LENDING violations, misuse of report and violation of title 4. Credit score is not accurate and no positive information exists on report I am at age of Majority and of a sound mind Denial of credit is violation of title 4 and all reporting agency or data furniser do not have concent to use or share my private information permanently thats for any and all information personal identification data Report must be fair and equitable!

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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.O.B. - XX/XX/XXXX ( last XXXX of SS # XXXX ) Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Report Confirmation # XXXX XX/XX/XXXX To whom it may concern, In accord withe Fair Credit reporting Act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15USC1681. 15USC1681 section 602A, states I have a right to privacy.

15USC1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my express written consent and or instruction.

15USC1681cS-2 ( A ) ( 1 ) ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am writing to express my disagreement with the items listed below that still appears on my credit report, despite previous investigation. I kindly requested these items be reinvestigated immediately, as their presence is negatively impacting my credit rating.

According to Federal law, Equifax had a period of XXXX XXXX XXXX XXXX  days to complete reinvestigation. Please note that I also requested a description of the procedure used to determine the accuracy and completeness of the information, which should have been provided within XXXX XXXX XXXX  ) days after the completion of the investigation. 

1. The following account is not mine. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Please correct/update this inaccurate information on my credit report. 

2. The following account is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) Please correct/update this inaccurate information on my credit report. 

Furthermore, please remove all non-account holding inquiries that are over XXXX ( XXXX ) days old. Additionally, kindly add a promotional suppression to my credit file. 

4. Current Address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following XXXX ( XXXX ) addresses aren't mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit 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: GA

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 institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were 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: 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX CARD Account Number : 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Data breach information used improperly thru Experian and two other credit companies

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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 a fee due to lagged posting oof charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices where transactions settles 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: Block, Inc.
State: NC

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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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.

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: NC

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 redressfor 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: NC

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. As I have been faithful using Cash app for many years as a money share service and have even had direct deposits placed in my account while at points finding attempted fraudulent information.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: MI

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 2025-01-19 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: SC

Complaint narrative:
My navy federal account has overdrafted almost six times in 2024. I would always wonder how it overdraft when I rarely used the account. I reached out everytime and have to cover the overdraft fees still. 
Two dates these happened are XX/XX/year> XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
For over 24 months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner. 

Yet the CRA fail to provide information requested, failed to correct, and failed to delete and remove the disputed accounts. 
Please include me in your class action claim against this company ; See the numerous disputed submitted as proof. 

the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 the 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 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft stemming from the XXXX and XXXX data breaches. As a result, a fraudulent account with XXXX Bank ( Account # XXXX ) has appeared on my credit report with Clarity Services. I submitted a dispute under FCRA Section 605B and provided the required documentation, including an identity theft report, government-issued ID, and proof of address. Despite this, Clarity Services has failed to block the fraudulent account within the legally required XXXX business days.

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: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has reinserted collections : XXXX XXXX XXXX XXXXXXXX, original creditor ( XXXX XXXX  ) for the amount of {$1400.00}.. They did this with out my knowledge or approval. 15usc1681i ( a ) ( 5 ) b.

15usc1681i ( a ) 6 ( b ) 3 15usc1681i ( a ) 1

Company response to consumer: Closed with explanation