vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 due to Cash App closing my account with no notice, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), and Rule 9037 of the Federal Rules of XXXX XXXX. I have taken proactive steps to verify the accuracy of my credit file, and the following issues require immediate correction : 1. Inaccurate Reporting of XXXX XXXX XXXX The credit report inaccurately reflects a XXXX XXXX XXXX I have obtained a letter from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX confirming the official record does not match the reporting on my credit file. Please find a copy of this letter enclosed for your review. 
2. Failure to Provide Validation I have previously requested validation from the creditors reporting this information, specifically : Proof of the original contract Complete account history Debt validation, including any legally binding documents To date, no satisfactory response or evidence has been provided. As such, under the FCRA, this information must be removed from my credit report until its accuracy and validity can be verified.

3. Violations of Rule 9037 ( Privacy Protection for Filings ) Under Rule 9037, personal identifying information related to bankruptcy filings must be redacted to protect privacy. Please review the report for compliance and immediately redact or correct any violations.

Requested ActionIn light of the above, I formally request the following actions : Immediate investigation into the disputed items Removal of inaccurate information related to the XXXX XXXX XXXX  Deletion of any unverifiable or improperly validated accounts Please confirm in writing that you have received this dispute and will initiate an investigation. Per the FCRA, you are required to complete this investigation within 30 days and provide the results in writing. 

I have enclosed the following documents for your reference : A copy of my credit report with the disputed items highlighted A copy of the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Copies of prior correspondence with the creditors A copy of my government-issued ID and proof of address Thank you for your immediate attention to this matter. Should you require any further information, please contact me in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
- XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX / XXXX XXXX - XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
Navy federal has been been letting my account since XX/XX/XXXX. They been charging me return check fees for payments Ive made when I had sufficient. This been going back to as far as 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 2025-01-24 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:
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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 46 financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information listed on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses civil liability for negligent non-compliance. I have reviewed my credit report and found discrepancies that appear to be in violation of 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 explanation
Consumer complaint received 2025-01-24 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.

Complaint narrative:
My disputes were not properly investigated and the FCRA was violated in during these improper investigations.

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 2025-01-24 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.

Complaint narrative:
My disputes were not properly investigated and the FCRA was violated in during these improper investigations.

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 2025-01-24 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by Southern Auto Finance Company XXXX XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by Absolute Resolutions and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
When I fell on hard times, I resorted to settlement agreements with multiple credit lenders following a divorce. XXXX XXXX XXXX agreed to a settlement with which when it was finally paid off, they said they would initiated a good faith removal of any negative reporting to my credit report. Late payments, settlement status, and clean the report underneath their accounts. This same agreement was reached with XXXX Bank as a joint loan with my ex-wife. Once this was paid off, they said that they would remove the negative remarks with regards to late payments and settlement status. I have reached out multiple times directly to the companies and all of the credit bureaus to initiate investigations and every time it is closed almost immediately without any update. Aside from this, XXXX closed my accounts without notification, and these amounts were sent to a debt collector who does not have my debt agreement or debt amounts so all it shows is closed accounts with a balance. XXXX said they closed the balances at an operating loss and had no need for reporting anymore so I discussed with them to remove the amounts but they said it was no longer within their hands because it was sent off to a XXXX party agency. This agency does not have the agreement however so it is stuck in limbo. Then finally, the XXXX XXXX XXXX XXXX that shows a missed payment is incorrect. I sold the vehicle to a car dealership that underpaid XXXX XXXX from their profit. XXXX XXXX acknowledged this issue and said they would remove the remark within XXXX calendar days. They have not. Despite multiple attempts to contact them and initiate disputes with the credit bureaus. These disputes also get shut down almost immediately with no update

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 2025-01-24 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: CA

Complaint narrative:
Accounts XXXX and XXXX were unable to appropriately verify information. XXXX management is reporting medical debt and is in violation of 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 2025-01-24 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: CA

Complaint narrative:
Accounts XXXX and XXXX were unable to appropriately verify information. XXXX management is reporting medical debt and is in violation of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Allied Financial Services Inc
State: AZ

Complaint narrative:
XXXX  in XXXXXXXX XXXX XXXX XXXX had it for 1 year XXXX dealership didnt want to fix it I was over paying warrantys on the car I self surrendered it. 

XXXX lost my job from XXXX  I owned XXXX company XXXX XXXX purchased a phone didnt like it returned it back after 2 days charged me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
and your account. 
XXXX 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 XXXX XXXX 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 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 2025-01-24 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: FL

Complaint narrative:
Transunion 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 ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've disputed accounts from my Experian and XXXX credit reports. Several accounts have been removed and has reappeared on my credit reports. I am not able to file any disputes with transunion nor am I able to access my transunion credit report which is a violation. My disputes were improperly investigated and not verified. I am requesting the following accounts be removed from all three credit reports again as this has impacted my XXXX XXXX tremendously and are a violation of 15 USC 1681i ( a ) 30 day response time, 15 USC 1681i ( a ) 6 ( B ) 3 investigation protocols, and 15 USC 1681i ( a ) ( 5 ) B reinsertion protocols. 
XXXX XXXX XXXX XXXX - account number XXXX XXXX. XXXX - account number XXXX XXXX. XXXX XXXX XXXX XXXX  - account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - account number XXXX 5. 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
There are numerous accounts on my credit report that are not accurate, I have XXXX accounts from mortgage companies that are not reporting the right information about my payment history and these accounts are over XXXX and XXXX XXXX XXXX. I also have accounts from collection companies that have never shown me any information where I send paperwork with them agreeing to pay them the debt they claim I owe them. There are charge off accounts that reporting the wrong amount that I actually paid off. The inaccurate information on my credit report is very bad and is holding me back from being able to buy a home and a car. Theres XXXX accounts on my credit report that dont even have any information who i potentially owe money too but theres a collections on my report for them.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX  account on disputed XX/XX/24. Never received any information or updates.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  account on disputed XX/XX/year>. Never received any information or updates.

Company response to consumer: Closed with non-monetary relief