vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

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 2- ad decel ye, as thay 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 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding Auto Refinance Denial with Navy Federal Credit Union Dear CFPB Representative, I am writing to formally file a complaint regarding the denial of my auto refinance loan application on XX/XX/year>, with Navy Federal Credit Union. As a consumer, I believe this decision constitutes a violation of my rights under federal laws, including but not limited to the Equal Credit Opportunity Act ( ECOA ) and the Consumer Credit Protection Act ( CCPA ). 

Under XXXX XXXX. XXXX, I am entitled to access credit regardless of the reason for the denial. Denying my application and withholding access to my securities constitutes securities fraud. I believe this action not only infringes upon my rights but also reflects discriminatory practices that violate the principles of equal access to credit. 

As I am being denied credit, I request that you retract my application and provide written confirmation of this action. Additionally, I request a thorough review of this matter to ensure compliance with federal laws protecting consumers financial rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response to resolve this issue fairly and transparently. 

Sincerely, XXXX, XXXX XXXX XXXX for the ALL CAPS XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
To the Support Team, ** I am writing to file a complaint regarding a payment I received in my account on XXXX XXXX. As soon as the amount was credited, I received an email notification stating that, unfortunately, it is sometimes not possible to process all payments due to card operator guidelines or possible local internal restrictions. 

This message arrived almost immediately after the payment, and I believe there has been some kind of misunderstanding or automatic block. I would like to emphasize that my account fully complies with all platform laws and guidelines, with no irregularities that would justify suspending its features. 

Therefore, I request a new evaluation of my case. I also ask that my account functions be restored and that my access be reestablished as soon as possible. I am at your disposal to provide any additional information that may be necessary. 

Thank you for your attention, and I look forward to your response. 

**Sincerely, ** 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: 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 the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering the 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 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Used cashapp during covid, for the first time to accept payments and to use for other services such as to learn how to trade on line. After paying company over XXXX the company refused to provide the true profits i made and the salary i earned the also asked me to send fees to collect on profits but they never came through. Cashapp customer service ignored all attempts to investigate or help find out where the funds went to what wallet and why they could not help me get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: VA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for their continued violations of federal reporting and collection laws. Despite being notified by the federal bankruptcy court of my bankruptcy filing, XXXX XXXX XXXX has persisted in reporting an alleged debt to the credit bureau XXXX, XXXX and XXXX, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Code.

Federal law explicitly requires creditors and collection agencies to cease all collection activity, including reporting alleged debts to credit bureaus, once they are informed of a bankruptcy filing. However, XXXX XXXX XXXX has chosen to ignore this legal obligation and has recently reaffirmed collection activity on the alleged debt. This represents a clear and intentional breach of federal regulations. 

I have disputed this matter on multiple occasions, yet XXXX, XXXX continues to report this debt as outstanding and due, despite their obligation to update their records and cease all collection efforts. This deliberate disregard for the law is not only harmful but also demonstrates bad faith on the part of XXXX, XXXX Their continued violations have caused significant distress and damage to my credit profile. 

I am requesting immediate corrective action to remove the inaccurate reporting from my credit report, and I urge the appropriate regulatory agencies to investigate XXXX, XXXX 's repeated non-compliance with federal laws. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies to ensure my rights are protected.

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 2025-01-22 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:
disputed collection accounts on my Experian report, and supplied so much documentation to prove the accounts were inaccurate and Experian chose to not conduct a proper investigation and leave these inaccurate accounts on my consumers report!

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I filed dispute and have documents showing we don't exist. They said the company provided a marriage certificate, etc to show they have our personal information and this is enough for Discover to advise the charge is legit. I just tried calling the number they had and it goes right to a voicemail. XXXX  just opened a case on this company which means other people are being scammed by this company. They somehow have our personal data and are using these documents to get money from Discover. If Discover can't actually speak with them because it goes right to voicemail ; this should be a good evidence of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing to formally dispute the fraudulent accounts and hard inquiries appearing on my credit report and request that they be blocked and removed immediately under my rights outlined in XXXX XXXX. XXXX ( a )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inquiries were fraudulently opened or initiated without my authorization. 

Below are the details of the fraudulent entries : XXXX Accounts : XXXX. XXXX of XXXX, Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX, Account # XXXX XXXX Credit XXXX XXXX XXXX Account # XXXX Fraudulent Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 2024

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the fraudulent accounts and hard inquiries appearing on my credit report and request that they be blocked and removed immediately under my rights outlined in XXXX XXXX. XXXXXXXX XXXX XXXX XXXX My personal information was compromised in a recent data breach, and the listed accounts and inquiries were fraudulently opened or initiated without my authorization. 

Below are the details of the fraudulent entries : XXXX Accounts : XXXX. XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Fraudulent Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I have reason to believe due to several data breaches that my personal information was leaked in that this account came about. I disputed the original creditors under Identity theft and then in return this collection came on my personal credit report. This collection does not belong to me nor did the original account which was from XXXX XXXX XXXX. This is the result of identity theft and I have no knowledge of this collection which is XXXX XXXX XXXX XXXX XXXX account # XXXX with a balance of {$2500.00} this collection also falls under section XXXX and per XXXX XXXX XXXX XXXX XXXXXXXX which states due to identity theft it has to be removed immediately as it is causing harm to my personal credit profile and prohibited me from being approved for tradelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-22 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: MI

Complaint narrative:
Date TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Credit Report Errors Dear TransUnion Dispute Department, I am writing to formally dispute the inaccuracies on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I bring the following issues to your attention : Unresolved Identity Theft Report : On XXXX XXXX, I provided TransUnion with a copy of an Identity Theft Report filed with the FTC, as well as supporting documentation, requesting the removal of fraudulent accounts from my credit report. Despite your acknowledgment of this report, these fraudulent accounts remain on my report in clear violation of FCRA guidelines under XXXX XXXX. XXXX. 

Inconsistent Reporting and Deletion Confirmation : On XX/XX/XXXX and XX/XX/XXXX, I received correspondence from TransUnion confirming the deletion of certain accounts and inquiries. However, upon reviewing my credit report dated XX/XX/XXXX, these accounts and inquiries are still listed. This inconsistency demonstrates either a processing error or willful non-compliance with FCRA obligations to ensure accurate and timely updates to consumer reports. 

Bankruptcy Information Misreporting : TransUnion has stated that it verified and validated bankruptcy information as accurate. However, I have obtained a letter from the U.S. Bankruptcy Court confirming that it does not provide data to any credit reporting agencies. This misrepresentation is a direct violation of the FCRA under XXXX XXXX XXXX XXXX XXXX XXXX which requires credit bureaus to follow reasonable procedures to ensure maximum accuracy. 

I have attached copies of the following for your reference : FTC Identity Theft Report U.S. Bankruptcy XXXX Letter Correspondence from TransUnion confirming deletions Please investigate this matter and provide me with a written response as required by the FCRA.

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 2025-01-22 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: MI

Complaint narrative:
Date TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Credit Report Errors Dear TransUnion Dispute Department, I am writing to formally dispute the inaccuracies on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I bring the following issues to your attention : Unresolved Identity Theft Report : On XXXX XXXX, I provided TransUnion with a copy of an Identity Theft Report filed with the FTC, as well as supporting documentation, requesting the removal of fraudulent accounts from my credit report. Despite your acknowledgment of this report, these fraudulent accounts remain on my report in clear violation of FCRA guidelines under XXXX XXXX. XXXX. 

Inconsistent Reporting and Deletion Confirmation : On XX/XX/XXXX and XX/XX/XXXX, I received correspondence from TransUnion confirming the deletion of certain accounts and inquiries. However, upon reviewing my credit report dated XX/XX/XXXX, these accounts and inquiries are still listed. This inconsistency demonstrates either a processing error or willful non-compliance with FCRA obligations to ensure accurate and timely updates to consumer reports. 

Bankruptcy Information Misreporting : TransUnion has stated that it verified and validated bankruptcy information as accurate. However, I have obtained a letter from the U.S. Bankruptcy Court confirming that it does not provide data to any credit reporting agencies. This misrepresentation is a direct violation of the FCRA under XXXX XXXX XXXX XXXX XXXX XXXX, which requires credit bureaus to follow reasonable procedures to ensure maximum accuracy. 

I have attached copies of the following for your reference : FTC Identity Theft Report U.S. Bankruptcy XXXX Letter Correspondence from TransUnion confirming deletions Please investigate this matter and provide me with a written response as required by the FCRA.

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 2025-01-22 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:
I am writing to address serious inaccuracies on my credit report. It has come to my attention that accounts listed on my report do not belong to me, and I have never been involved with the activities these accounts suggest. This is not only an unjust representation, but it is also deeply concerning as I have never authorized or made any of the actions associated with these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writing to address serious inaccuracies on my credit report. It has come to my attention that accounts listed on my report do not belong to me, and I have never been involved with the activities these accounts suggest. This is not only an unjust representation, but it is also deeply concerning as I have never authorized or made any of the actions associated with 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 2025-01-22 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: RI

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
writing to formally report fraudulent credit inquiries that have appeared on my Equifax credit report. These inquiries were made without my authorization and are the result of identity theft. I am requesting the CFPB assistance in having these inquiries removed immediately and in addressing this case of fraud. 

Fraudulent Inquiries : The following unauthorized inquiries were listed on my Equifax credit report, all dated XX/XX/2024 : 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 via XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries, and they were not initiated by me. They are negatively affecting my credit score and overall financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX XXXX Information Dear Equifax Dispute Department , I am writing to dispute specific items on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX XXXX 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my authorization : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX FINANCE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX I - XX/XX/XXXX XXXX  - XX/XX/XXXX Under the FCRA, such inquiries require my explicit consent. As I did not authorize them, I request their removal from my credit report. 

Inaccurate XXXXXXXX XXXX Information : The XXXXXXXX XXXX detailed below is incorrectly reported as a charge-off : Account Name : XXXXXXXX XXXX Account Number : XXXX Issue : Reported as a charge-off The CFPB consent order involving Equifax underscores the need for accuracy in credit reporting. Please update this account to reflect its accurate status or remove it if unverifiable. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief