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 — Account information incorrect
Company: Westlake Services, LLC
State: NV

Complaint narrative:
Complaint Department, XXXX, XXXX XXXX ] Re : Dispute of Credit Information due to Data Breach I am writing to dispute certain information on my credit report which I believe may have been compromised due to a recent data breach involving [ Name of the Company where data breach occurred, if known ]. I am requesting an investigation into the following Dispute : This account 's information have been exposed in the data breach, potentially leading to unauthorized access or fraudulent activities. I request verification of the account 's authenticity and review for any signs of fraud or inaccuracies. 
Dispute : Similarly, there is concern that this account 's data was compromised. Please investigate for unauthorized changes or activities post the data breach date. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im making a statement I received a notification my equifax credit score has dropped XXXX due to an update on my XXXX XXXX account which shouldnt be in dispute I have not disputed my account with XXXX XXXX this is my actual bank account. This was done in error by equifax I repeat I have not dispute any accounts with XXXXXXXX XXXX. This account is in good standing why would I dispute it this was done in error by Equifax which is a violation of my consumer rights. I would like for this dispute to be closed, notify XXXXXXXX XXXX  right away this was done in error this has affected me XXXX XXXX emotionally and mentally.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Im making a statement I received a notification my equifax credit score has dropped XXXX due to an update on my XXXX XXXX account which shouldnt be in dispute I have not disputed my account with XXXX XXXX this is my actual bank account. This was done in error by equifax I repeat I have not dispute any accounts with XXXXXXXX XXXX. This account is in good standing why would I dispute it this was done in error by Equifax which is a violation of my consumer rights. I would like for this dispute to be closed, notify XXXXXXXX XXXX right away this was done in error this has affected me XXXX XXXX emotionally and mentally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX  and now starting again with ( XXXX XXXX capital one XXXX XXXX. I never joined or agreed for this company to handle my bank account with capital one and they consistently continue messing up my transactions and taking my funds. Example, I transfer money to make bill pay or capital one credit card payments and they intercept and charge me fees, keep my funds and do not apply it to my balances.

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: AR

Complaint narrative:
I am filing a complaint against cashapp ( block inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cashapp 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I sent a {$600.00} Payment via CASH APP ( Block , Inc ) to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  for a XXXX XXXXXXXX XXXX The following day when I was suppose to move I discovered that the key given to me did not work and I was unable to get in contact with the " landlord ''. I realized at that moment that I had been scammed and requested a refund from the recipient which was denied. When I explained the situation to CASH APP via chat they refused to dispute or assist with the fraudulent account on their app and refused to issue the refund.

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: TX

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, 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: 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. these are the accounts i need removed the XXXX account and the payday loan account

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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT ACT ACCOUNT NUMBER : XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CUSTOMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.

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: MN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my fininacial 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 expliot 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: Block, Inc.
State: SC

Complaint narrative:
Cash App ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected due to inadequate customer service. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
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 ( CFTB ) has recently filed a lawsuit against Experian, alleging systemic issues such as 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 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. 
These are the accounts that I have marked as inaccurate - XXXX XXXX XXXX ( It's been over XXXX ) - XXXX XXXX XXXX ( I have no knowledge of this account ) - XXXX XXXX ( I have no knowledge of this account ) - XXXX XXXX XXXX ( I have no knowledge of this account ) - XXXX  XXXX I have no knowledge of this account ) - XXXX XXXX XXXX XXXX I have no knowledge of this account )

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: FL

Complaint narrative:
I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the customer 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 requirement under the electronic fund transfer act ( efta ) and regulation E. These activities have caused significant inconvenience and financial lost 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: 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 have caused significant inconveniences 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a few accounts that are not mines tried telling them i was living in a different state and i never lived at that address but that said that it was correct, and it was not. still trying to get them to remove them and the ones that they have removed they have put it back on there a few times after they said it was resolve and what i reported was correct

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently checked my credit report and seen I had an unfamiliar charge on my account for a debt amount of {$1100.00} from XXXX. I was in prison when this debt was created. I would like for it to be removed. Under The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates consumer reporting agencies ( CRAs ). The FCRA is found in Title 15 of the United States Code, starting at section 1681. Under 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices. The FDCPA went into effect in March 1978. Under USC 1682 The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently checked my credit report and seen I had an unfamiliar charge on my account for a debt amount of {$1100.00} from XXXX. I was in prison when this debt was created. I would like for it to be removed. Under The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates consumer reporting agencies ( CRAs ). The FCRA is found in Title 15 of the United States Code, starting at section 1681. Under 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices. The FDCPA went into effect in March 1978. Under USC 1682 The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

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: PA

Complaint narrative:
I am filing a complaint about 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 there 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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite my multiple written disputes regarding these inaccuracies on my credit report Equifax has refused to conduct a proper investigation or correct the errors as mandated by law. 
XX/XX/scrub>XXXX XXXX I sent in writing disputes along with notarized evidence about recent accounts that had been Dismissed. Equifax either failed to respond adequately and continued reporting incorrect information. This failure has continued to impact my credit report and further cause harm to my future and or ability to secure proper credit in certain instances.

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: EQUIFAX, INC.

Complaint narrative:
Failure to Properly Conduct Reinvestigations : Despite my numerous attempts to dispute inaccuracies on my credit report, Equifax failed to conduct proper reinvestigations into the disputed information. Instead, my disputes were dismissed without adequate examination, leaving inaccurate and harmful information on my credit report.

Reinsertion of Previously Deleted Information : Equifax improperly reinserted information that had been previously deleted following earlier disputes. This action caused undue harm to my credit profile and was done without the legally required notice.

Failure to Provide Adequate Written Notices : Equifax did not provide sufficient written notice of the results of their reinvestigations, leaving me unaware of the status of my disputes or the reasoning behind their decisions.

Failure to Ensure Maximum Possible Accuracy : Equifaxs flawed processes and deference to furnishers have resulted in ongoing inaccuracies in my credit file, which I have made multiple attempts to address.

Failure to Block Identity Theft-Related Information : Despite providing evidence of identity theft, Equifax did not block the reporting of fraudulent information and failed to provide appropriate notice when declining or rescinding such blocks.

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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

account name : XXXX  XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

account name : XXXX  XXXX Account number : XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ACCORDING TO THE NINH CIRCUIT, IN PINTOS V PACIFIC CREDITORS ASSOCIATED 504 F.3D 792 IT DECIDED THAT WITHOUT A PERMISSIBLE PURPUSE ONE IS IN SECTION 1681B. BASED ON THIS DECISON, IT APPEARS THAT YOUR AGENCY FURNISHING A COPY OF MY CREDIT REPORT TO THE BELOW COMPANIES. AS THE COURT INTERPRETED AND BASED ON HAS BEEN DONE IN MY CASE, FA ONE ONLY HAS PERMISSIBLE PURPOSE FOR OBTAINING A CREDIT REPORT UNDER WHEN IT IS ONLY IN CONNECTION TO A CREDIT TRANSACTION IN WHICH A CONSUME DIRECTLY AND VOLUNTARILY. I DID NOT DIRECTLY AND VOLUNTARILY SEE FOLLOWING COMPANIES AND THEY DID NOT HAVE A PERMISSIBLE THE CREDIT INQUIRY INFORMATION : 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 explanation