vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
, I am writing to file a formal dispute regarding several unauthorized hard inquiries listed on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). These inquiries have negatively impacted my credit score and appear to have been made without my explicit consent. 

Summary of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To my knowledge, I have not signed any documents authorizing the above-listed organizations to access my credit history. The FCRA Section 1681b ( a ) : Permissible Purposes of Consumer Reports, and Section 1681b ( c ) : Transactions Not Initiated by Consumer, clearly outline that credit inquiries require my explicit authorization. These inquiries appear to be a violation of federal law.

Requested Actions : Conduct a thorough investigation into these inquiries.

Verify if any documentation exists bearing my signature authorizing these inquiries.

If documentation exists, please provide a copy for my review.

Remove all unauthorized inquiries from my credit report.

Remove my personal information from the records of the organizations responsible for the unauthorized inquiries.

Provide written confirmation of these actions.

For clarity, I will only accept documentation that contains my signature explicitly authorizing the inquiries. If no such documentation exists, I expect immediate removal of the inquiries as well as confirmation that my personal information has been removed from the relevant organizations ' records.

Enclosed with this submission, I have provided copies of my identification and proof of address to assist in verifying my identity.

I respectfully request your prompt assistance in resolving this matter, as the unauthorized inquiries have caused unnecessary harm to my credit score and financial standing. Please confirm receipt of this dispute and provide updates on the resolution process. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-01-20 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 Zelle 's 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. The CFPB 's 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Issues Experienced Failure to Prevent Address Fraud Cash App failed to take timely and effective measures to prevent address fraud on its platform, leaving my account vulnerable and unprotected. Despite reporting the issue, their response was unreasonably delayed and inadequate, exacerbating the harm caused. This reflects a failure to provide fair and secure financial services, as required under the CFPA.

Unfair and Deceptive Dispute Resolution Practices Cash Apps dispute resolution process was neither transparent nor in compliance with the requirements under the EFTA and Regulation E. Specifically : They failed to investigate the fraud claim promptly and thoroughly.

They did not provide sufficient communication or updates regarding the status of my dispute.

They ultimately denied my claim without providing clear, evidence-based reasoning, violating 12 CFR 1005.11, which outlines error resolution procedures.

Impact of These Violations These failures caused significant inconvenience, financial loss, and stress. By not safeguarding my account or resolving the dispute fairly, Cash App has undermined my trust in their platform and violated my rights as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to poor customer service and unfair practices, which violate the Customer Financial Protection Act, or 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 2025-01-20 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-20 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 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. 
XXXX I want the CFPB to publish

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to all bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violates customer financial protection act ( CFPA ). Specifically cash app feel to to take timely and effective measures and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore they're dispute solution was unfair and deceptive. As they do not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: PA

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 2025-01-20 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: AZ

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-20 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: WA

Complaint narrative:
I am writing to formally request an investigation and deletion of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent, and after contacting the creditors listed below, they confirmed they have no evidence that I initiated these inquiries, nor do they possess any written authorization or permissible purpose for these actions. Since there is no authorization from me, either verbal or written, I ask that you delete these unauthorized inquiries from my credit report immediately.

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 2025-01-20 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: WA

Complaint narrative:
I am writing to formally request an investigation and deletion of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent, and after contacting the creditors listed below, they confirmed they have no evidence that I initiated these inquiries, nor do they possess any written authorization or permissible purpose for these actions. Since there is no authorization from me, either verbal or written, I ask that you delete these unauthorized inquiries from my credit report immediately.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent multiple companies request to remove hard inquiries that keep affecting my credit due to data breaches by XXXX and Equifax exposed my personal information I need my credit report fixed and negative information impacting my report removed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiries on My XXXX Report Dear CFPB, I am writing to file a complaint regarding multiple unauthorized and outdated inquiries that are appearing on my XXXX credit report. These inquiries were made without my consent and continue to negatively impact my credit profile. Below are the details : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX XXXXXXXXs Inquiry on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX ) XXXX. Additional inquiries dating back to XX/XX/XXXX and earlier, including XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others, which I did not authorize. 



Issues : 1. I did not provide consent for the above-listed companies to perform hard inquiries on my credit report. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which states that consumer consent is required before any hard credit inquiry is conducted.

2. Some of these inquiries are outdated and should no longer be reported. Under the FCRA, hard inquiries should automatically drop off my credit report after two years. However, old inquiries remain on my report despite this timeframe. 



Actions Taken : I contacted the companies involved to dispute these inquiries but received no satisfactory resolution. 

I also disputed these inquiries directly with XXXX ; however, they have not been removed or properly investigated. 


Request : XXXX. I am requesting an immediate investigation into these unauthorized inquiries and their removal from my XXXX credit report. 


XXXX. I also request that XXXX be held accountable for failing to ensure accurate reporting under the FCRA, specifically Sections 604 ( a ) ( 2 ) and 604 ( c ), which govern permissible purposes for obtaining consumer reports. 



These inquiries are unfairly damaging my credit score and financial reputation. I respectfully ask the CFPB to intervene and ensure that my rights as a consumer are upheld. 

Thank you for your assistance.

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 2025-01-20 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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. The CFPB 's 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 2025-01-20 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 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 34 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress fir these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 an inadequate customer service & unfair practices which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution requirements under the electronic fund transfer act ( EFTA ) & regulations 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