vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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:
Please block and remove the unauthorized accounts from my credit report immediately. I did not open or approve these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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 filling a complaint against Cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection app ( cfpa ). 
Specifically, cash app failed to take timely and effective measures to prevent an adress fraud in 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 cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: VA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2025-01-16 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: FL

Complaint narrative:
I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days.

The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately.

I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XX/XX/year>23 XXXX XXXX XXXX XXXX/XXXX/23

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 2025-01-16 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: IL

Complaint narrative:
In XXXX I had XXXX account ( XXXX and XXXX XXXX ) XXXX XXXX XXXX There is a car on my credit that doesnt belong to me

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 2025-01-16 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:
On XX/XX/XXXX I was scammed on XXXX and sent {$100.00} through Zelle from my XXXX account. I quickly realized it was a scam, and in that same hour I called XXXX, before the money had officially left my account to dispute the transaction, the XXXX representative on the phone said there was nothing they could do as long as the transaction was pending, and to call back in a couple of days because once the transaction went through then they would be able to recover the funds. I called as soon the money went through, and this time the representative on the phone said the exact opposite, that there was nothing they could do as the money had already been transferred and that I should have tried to recover it before the transaction was posted- which I explained that I tried to do so, and that I was advised to wait. At the end they informed me that recovering my lost funds was impossible and tracking these sorts of transactions was not feasible. Both Zelle and XXXX have failed to protect its costumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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. 
There should be a feature that flags Zelle users for scamming/fraudulent behavior who have transactions reported against them. Or they should be banned from being able to use Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Inaccurate reports on my credit, sold my information without my knowledge, in the process with my lawyer to sue all parties involved in this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has previously reported these accounts on both my Transunion and XXXX. They have never provided validation or proof of the debt and the accounts were removed from my credit reports by the credit reporting agencies for lack of validation provided, in XX/XX/year>. 
Arbitration was held and on or about XX/XX/XXXX, they ILLEGALY reinserted XXXX collections accounts back on my Transunion and XXXX reports. XXXX accounts were added back to my Transunion and are reporting as active collection accounts, and XXXX account is reporting as a collection to my XXXX. All by XXXX XXXX. 

I am disputing the reappearance of the following account on my TransUnion and XXXX credit reports. This account was previously deleted, and its reinsertion is inaccurate. Under FCRA 611 ( a ) ( 5 ), if an account or information is deleted from a credit report and then reinserted, the credit reporting agency must notify the consumer within 5 business days. I have not received any such notification regarding the reinsertion of this account.

Additionally, as per FCRA 611, I request that you investigate the circumstances surrounding the reinsertion of this account and provide proof of its verification. If you can not verify this account, or if the reinsertion was done improperly, I request that it be removed 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 non-monetary relief
Consumer complaint received 2025-01-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX has previously reported these accounts on both my XXXX and Equifax. They have never provided validation or proof of the debt and the accounts were removed from my credit reports by the credit reporting agencies for lack of validation provided, in XX/XX/year>. 
Arbitration was held and on or about XX/XX/XXXX, they ILLEGALY reinserted XXXX collections accounts back on my XXXX and Equifax reports. XXXX accounts were added back to my XXXX and are reporting as active collection accounts, and XXXX account is reporting as a collection to my Equifax. All by XXXX XXXX. 

I am disputing the reappearance of the following account on my XXXX and Equifax credit reports. This account was previously deleted, and its reinsertion is inaccurate. Under FCRA 611 ( a ) ( 5 ), if an account or information is deleted from a credit report and then reinserted, the credit reporting agency must notify the consumer within 5 business days. I have not received any such notification regarding the reinsertion of this account.

Additionally, as per FCRA 611, I request that you investigate the circumstances surrounding the reinsertion of this account and provide proof of its verification. If you can not verify this account, or if the reinsertion was done improperly, I request that it be removed from my credit report immediately. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 2025-01-16 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 : address fraud on their platform, leaving m, 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
I reached out to Chime to resolve multiple returned fund issues with XXXX  XXXX. XXXX  XXXX sent my statement for the past for years showing where the money was received and returned. Chime has no record of the returned funds. XX/XX/XXXX I initiated a transaction to pay XXXX  XXXX. It posted on XX/XX/XXXX. XX/XX/XXXX the money was returned. Chime doesn't see the returned transaction. On XX/XX/XXXX XXXX i sent XXXX dollars threw XXXX on my sons XXXX XXXX app using my debit card. The funds was taken out. XXXX said they returned the funds because the name in the card did t match the name on the XXXX XXXX account. I have the refund receipt from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

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 transactions. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Cashapps handling of disputes, particularly in light of the recent CFPB lawsuit against platforms like XXXX. Which highlights significant issues with similar platform. Despite using Cashapp numerous times and reporting discrepancies, my banking institution and Cashapp failed to adequately investigate my claims. The bank informed me that the reimbursement of funds would be impossible and tracking the transactions would not be feasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, ultimately leaving consumers vulnerable to scams. 
After learning about the lawsuit with XXXX, I realized that Cashapp also lacks accountability and transparency which is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
I CONTACTED ALL XXXX BUREAUS ON XX/XX/2024 CONCERNING ACCOUNTS THAT WERE ON MY ACCOUNT FRAUDULENTLY AND THAT I NEEDED HELP ADDRESSING THE ISSUE. NO ONE HAS RESPONDED TO ME YET. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE FILED AN IDENTITY THEFT REPORT WITH THE FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging 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 investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a XXXX with Bank of America. My credit limit is {$5000.00}. I hadn't used the card in a while, but they recently advertised cash advance with 0 % interest for 12 months. I did a cash advance for {$3000.00} and a month later I received an email stating my credit limit has been reduced to {$3800.00}, and any purchases or arranged payments I may have made would be declined. They did not give a reason as to why the credit limit was reduced. 

This impacts me because it will increase my debt to income ratio therefore impacting my credit score. And I would have to pay the fees for any declined purchases. They did not offer a valid reason for the reduction or give me enough time to make payment arrangements for any purchases I may have made with the card.

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 2025-01-16 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: CA

Complaint narrative:
Im unhappy and would like to express my concerns regarding Zelles handling of disputes, specifically regarding the recent CFPB lawsuit highlighting significant issues with the platform. Ive used Zelle many times, reporting issues. Zelle failed to investigate my claims. Informing me that recovering lost funds was impossible and tracking them, unfeasible. The CFPB findings indicate that Zelle has neglected and to protect consumers and have allowed repeat offenders to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
this auto loan was opened without my consent or knowledge. it is a result of id theft

Company response to consumer: Closed with explanation