vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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:
To Whom It May Concern, I am writing to formally file a complaint regarding an error I discovered in my credit report. I have reviewed my credit report and found inaccurate information that I believe needs to be corrected immediately. 

Incorrect Information : XXXX. All XXXX XXXX Account balance are all inaacurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX balance XXXX. XXXX- No knowledge in this account XXXX. BridgeCrest- Disputed several times. Fully paid since XX/XX/year> but still reporting late on my credit. 

I request that you investigate and correct this error promptly. Please update my credit report to accurately reflect the correct information. I am including all my supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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 2025-02-02 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Feedback on Experian 's Response to Complaint # XXXX Dear CFPB and Experian, I appreciate Experians response to my complaint regarding unauthorized inquiries on my credit report. However, I find the resolution unsatisfactory for the following reasons : 1. Failure to Provide Proof of Authorization : I specifically requested documentation or contracts showing that I authorized the listed entities to access my credit report. Experians response does not address this request, nor does it provide any evidence supporting the claim that these inquiries were made with a permissible purpose.

2. Obligations Under the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to investigate disputes and ensure the accuracy of information reported. Simply stating that the inquiries remain because they were made by entities with a permissible purpose is insufficient without proof of authorization.

3. Impact on Credit Score : Hard inquiries negatively affect my credit score, and having unauthorized inquiries on my report continues to harm my financial standing. Removing these inquiries is critical to ensuring the accuracy and fairness of my credit report. 



I kindly request Experian to provide specific evidencesuch as signed agreements or recordsshowing that I explicitly authorized the listed inquiries. If no such evidence exists, I respectfully ask for the immediate removal of these inquiries from my credit report to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to a prompt and thorough resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dispute accounts on my Experian but it was not corrected or removed. I did not sign any documents for the debt collectors that have been harassing me every day calling every hour of the day. Therefore, I am not sure what the debt is for. I provided that with Experian but they still agreed the accounts still stand as it violates federal law and my rights as a consumer. Experian investigation solution is to just call the company.

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 2025-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OK

Complaint narrative:
They would charge extra fee to transfer money from 1 card to another! And sometimes my card has been compromise and I had to order another card before! I really dont remember the dates but I can guess about 2 yrs ago when my card was compromise and as for the fees that every time I transfer money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank fraudulently accused me of identity theft to my spouse. He is my payee representative I have no access to funds. He is a XXXX XXXX XXXX XXXX XXXX. He transferred money to my account for SSA purposes and even gave me permission to use the money. He said it belong to both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 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. 

Thanks for your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, 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 2025-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
FORMAL DEBT DISPUTE LETTER ( For XXXX XXXX XXXX XXXX TrueAccord CorpXXXX XXXX XXXX XXXX TrueAccord Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TrueAccord Corp., I am writing to formally dispute the validity of the alleged debt referenced in your notice regarding XXXX XXXX account ending in XXXX and TrueAccord account number XXXX. I do not acknowledge this debt as mine, and I am requesting full verification under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Disputed Account Details : Original Creditor : XXXX XXXX Account Ending In : XXXX Current Balance : {$4300.00} TrueAccord Account Number : XXXX I am exercising my right to request debt validation and formally demand the following : A detailed account statement from XXXX XXXX, including a full history of charges and payments. 
A copy of the original signed agreement, proving my legal obligation to this debt. 
Proof that TrueAccord legally owns or has been assigned this debt for collection. 
A complete breakdown of the balance, including any interest, fees, and penalties. 
Until the requested information is provided, I am asserting my rights under 15 U.S.C. 1692c and requesting that you cease all collection efforts, including phone calls, emails, and letters. Further attempts to collect this debt without proper validation may be considered a violation of the FDCPA.

Additionally, if this debt has been reported to credit bureaus, I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

If this debt is the result of identity theft, an incorrect charge, or an erroneous assignment, I expect an immediate resolution. If litigation is pursued without proper verification, I will consider legal action against your company. 

Please confirm receipt of this dispute and provide the requested documentation within 30 days as required by law. Failure to validate this debt will be considered confirmation that it is invalid and must be removed from any collection or credit reporting activities. 

Sincerely, [ Attachments ( if applicable ) : Copy of Debt Collection Notice Copy of Any Previous Correspondence Copy of Identity Theft Report ( if applicable ) This letter ensures debt validation and halts collection activities until verification is provided. Let me know if you need modifications!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive requested multiple times for the XXXXXXXX XXXX XXXX thay is not mine to be removed and to report my XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
FORMAL DEBT DISPUTE LETTER ( For Overdrawn Account Bank of America Due to Unauthorized XXXX XXXX XXXX Charge & XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX, DE XXXX Subject : Formal Dispute XXXX XXXX XXXX XXXX Account Overdraft Dear Bank of America Dispute Department , I am writing to formally dispute the charge that resulted in my account overdraft of {$8400.00} on my Bank of America account XXXXXXXX XXXX XXXX This charge is completely unauthorized and should not have been processed, as I had XXXX XXXX insurance coverage for the transaction in question. 

Details of the Disputed Charge : Merchant Name : XXXX XXXX XXXX Transaction Date : [ Insert Date ] Transaction Amount : {$8400.00} Reason for Dispute : Charge was not supposed to be applied due to my XXXX XXXX insurance coverage for an accident. 
Why This XXXX is Invalid : I had active XXXX XXXX insurance coverage at the time of the incident, which should have covered the costs associated with the rental. 
XXXX XXXX XXXX improperly charged my Bank of America account instead of processing the claim through XXXX XXXX. 
I did not authorize this charge, and it was applied in error or against standard claim-processing procedures. 
Requested Resolution : XXXX reversal of the {$8400.00} charge and correction of my account balance. 
Confirmation that this transaction has been removed from my account records. 
Correction of any negative reporting to credit bureaus due to this issue. 
I request that this matter be investigated and resolved promptly. If necessary, I am prepared to provide supporting documentation, including : Proof of my XXXX XXXX insurance coverage at the time of the incident. 
Correspondence with XXXX XXXX XXXX  showing their error in processing the charge. 
Any relevant statements from Bank of America reflecting the disputed transaction. 
Please confirm receipt of this dispute and provide an update on the status of your investigation within 30 days as required by the Fair Credit Billing Act ( FCBA ). Failure to resolve this matter may result in further actions to protect my rights. 

I appreciate your immediate attention to this issue. Please contact me at [ Your Phone Number ] or [ Your Email ] if further information is required.

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 2025-02-02 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 writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting all failed transactions and attempts to get money back, my financial institutions failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable for scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
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 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. 16811, 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. 2025-CFPB-0002 ) 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. Below are a list of account that are inaccurate Accounts : XXXX XXXXXXXX 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 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Im so fed up with this process! Please remove these accounts that are not mine. Not in 30 days, 45 day, or 60 days! 15 USC 1681 starters that any account that can not be verified or propelry investigated should be removed. The accounts numbers dont match and I can not get any information sent to me from aidvantage or retrieve results if these agencies investigations. They have been slow to move there feet on removing these items and honestly lying in my reports by saying that Ive even made payments on these loans and I have not done so. They are saying I made a payment in XX/XX/year> on one and I did not and have been fighting to get these removed not only through aidvantage but also trom the XXXX agencies that are refusing to listen to federal law in this matter .it looks like XXXX removed them but the others have continued to not only leave them in place but lie to make it seem like I am making payments and I am not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief