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

Complaint narrative:
Ive had two data breaches in the last 4 years so I need the following to open as stated under...

15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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: AL

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 address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
accounts from the year XXXX to XXXX has been opened without my knowledge using information leaked from the XXXX breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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. XXXX2 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I receive direct deposit from my employer and Capital one bank said they have been having technical difficulties since Wednesday causing me to not receive my paycheck today XX/XX/year>. I called them today and was on hold for over two hours and when I finally got to a representative they said the bank was working on the issue and had no eta when my paycheck will be deposited to my checking account. Due to this my bills are not getting paid since capital one is holding my deposit and saying technical difficulties. This has caused stress and worry about not being able to pay my bills.

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

Complaint narrative:
Subject : Formal Complaint Against Equifax for Failing to Properly Investigate Inaccurate Reporting oXXXX XXXX Account Description : I am filing this complaint against Equifax for failing to properly investigate and address inaccuracies in the reporting of a XXXX account ( Account Number ending in XXXX ) on my credit report. Despite Equifaxs obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of information and conduct a meaningful investigation of disputed items, my concerns and supporting evidence have been disregarded.

The inaccuracies and inconsistencies in this accounts reporting include the following : Charge-Off Reporting with a {$0.00} Balance : The account is listed as a charge-off, yet the reported balance is {$0.00}. This inconsistency suggests the debt may have been resolved, contradicting the charge-off status. 
Conflicting Status " Transferred or Sold '' : The account is marked as both " charged off '' and " transferred or sold. '' These statuses are incompatible unless properly explained. If the account was transferred, Equifax should remove the charge-off designation.

Charge-Off Amount Discrepancy : The charge-off amount is listed as {$990.00}, but the balance is {$0.00}. This inconsistency is misleading and harms my credit profile. 
Incomplete Payment and Delinquency History : There is no payment history or delinquency reporting for XXXX. The absence of this information raises questions about the accuracy and completeness of the data furnished to Equifax. 
Date of First Delinquency Misalignment : The account was closed in XX/XX/2020, but the first delinquency is listed as XX/XX/2020. This misalignment raises doubts about the accuracy of the reported data. 
Repeated Charge-Off Reporting Without Resolution : The charge-off status persists even though the account has a {$0.00} balance, indicating that Equifax has failed to verify the resolution of this account.

Failure to Investigate : Equifax failed to conduct a meaningful investigation into my dispute. The continued reporting of inconsistent and inaccurate information demonstrates Equifaxs reliance on the furnishers response without independently verifying the data or considering my supporting documentation.

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

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 proce 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 23 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I used Zelle I was never cautioned before I made transactions that once I send money, it can not be refunded.

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

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any such actions. Please note that this letter is being sent directly by me, not a third party, and I ask that you review it accordingly. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( Block of information due to Data Breach or Fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. After contacting the involved companies, I have discovered that these actions were taken without proper validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and appear to be the result of a data breach or the unlawful reporting of my information by creditors or a third-party data provider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: 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 willing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureau Name : EXPERIAN Credit Bureau Address : XXXX XXXX XXXX XXXX, TX XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Your Date of Birth Your : XX/XX/XXXX Social Security Number : XXXX Date : XX/XX/XXXX Dear : EXPERIAN CREDITORS NAME AND ACCOUNT NUMBER : Account Name : XXXX XXXX Account XXXX : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I don't believe this account were ever paid late as it is reported on XXXX. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 


After doing so please provide me with an updated credit report reflecting the changes. 

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

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any such actions. Please note that this letter is being sent directly by me, not a third party, and I ask that you review it accordingly. I did not authorize these actions, and they represent a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( Block of information due to Data Breach or Fraud ) [ 15 U.S.C. 1681c-2 ] and Section 604 ( Permissible purposes of consumer reports ) [ 15 U.S.C. 1681b ]. After contacting the involved companies, I have discovered that these actions were taken without proper validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and appear to be the result of a data breach or the unlawful reporting of my information by creditors or a third-party data provider.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
" I am filing a complaint about an account with Macys ( Balance {$360.00} ) that was opened in 2011, when I was a minor. I believe this account was opened due to identity theft. I did not authorize 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 non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
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 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a letter to XXXX detailing XXXX discrepancies that I had identified in my credit report. Among these discrepancies, I reported five errors in my credit profile summary, which included a name and address that I have never utilized. 

Additionally, the information provided by XXXX XXXX was both inconsistent and inaccurate. I had communicated with XXXX XXXX regarding XXXX accounts, which had balances of {$3100.00}, {$1500.00}, and {$320.00}, respectively. For each account, I submitted a 1099-A form, which was accepted by the Internal Revenue Service XXXX IRS ) and forwarded to XXXX  XXXX on XX/XX/year>. Furthermore, I sent endorsed securities to XXXX  XXXX on a monthly basis, in compliance with XXXX XXXX XXXX ; however, I did not receive any response from them. I informed both XXXX XXXX and XXXX that their actions constituted a violation of 15 U.S. Code 1681. According to UCC 3-604, this situation may warrant the discharge of the debt. Despite my efforts, both XXXX and XXXX XXXX have disregarded my communications. Consequently, XXXX XXXX has closed all of my accounts and has reported my payments as late, resulting in an increasing balance each month. 

I prepared a report detailing the following amounts : Discover - {$1800.00} ; XXXX  - {$1400.00} ; XXXX  XXXX - {$380.00} ; XXXX XXXX XXXX XXXX XXXX {$20000.00} ; and XXXX  - {$3700.00}. 

XXXX corrected several of the XXXX errors identified ; however, they indicated that upon their investigation which consisted of just submitting inquiries XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maintained that their reporting was accurate. XXXX XXXX, XXXX, XXXX, and XXXX XXXX all closed my accounts and initiated the collections process after receiving notification from the IRS, despite my accounts being in good standing at that time. 

The score on my credit report has rendered it exceedingly difficult for me to secure suitable housing for myself and my son. As a teacher, I am unable to afford the additional costs being requested due to my unacceptable credit score. Currently, I am renting a room in a house, which has necessitated that my son live with others, as I have been unable to obtain approval for an apartment because of my low credit score.

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: NC

Complaint narrative:
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union ( NFCU ) regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices to be 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 2025-01-18 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:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair and unprofessional 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