vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I had multiple loans through Affirm that were charged off. I paid all but one, which was charged off and sent to the collection agency XXXX. When I tried to pay it or mention it to XXXX, they said they had no record of it, even with the loan ID. They told me to contact Affirm, but Affirm said they sent it to XXXX and could not help. It became a back-and-forth, each company telling me to contact the other. It only shows up on XXXX, so I've disputed it three times, but my requests were denied. I contacted Affirm support three times between XX/XX/XXXX, and XX/XX/XXXX. Each time, they said they would investigate and resolve it within 35 business days. Each time, I had to re-engage the conversation to get updates. After my third request for an explanation, I received no timeframe, and it has been seven days.

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: CA

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 2025-01-20 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dispute of Civil Liability and Negligent Compliance Under FCRA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report and to bring to your attention potential civil liability and negligent compliance under Section XXXX XXXX XXXX XXXX XXXX XXXX  ) of the Fair Credit Reporting Act regarding the reporting of my credit information. 

It has come to my attention that certain information reported may not be accurate and could be violating my rights under the FCRA. Specifically, I believe there has been a failure to ensure the accuracy of the information being reported, which has negatively impacted my credit standing. 

I kindly request that you conduct a full investigation into this matter and provide me with documentation regarding the reporting of my account. If inaccuracies are confirmed, I expect them to be promptly corrected or removed from my report. 

Additionally, I expect you to inform me in writing of the results of your investigation as mandated by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of my concerns. 

Sincerely, XXXX XXXX XXXX XX/XX/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: 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: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX past due 369 Account status charged off .Date opened XX/XX/XXXX date Closed XXXX, XXXX XXXX I made the company aware of fraudulent transactions on the card upon my release from jail. XXXX XXXX XXXX I didn't even death prevention fraud alerts and active duty alert. 
I'm also asking for debt validation. Send me a detailed list of the history of payments made by me on this account. I want to see the signature I put on this contract guarantee that I will pay this creditor. I'm asking to see has there been any insurance claimed or filed on behalf of this debt. I won't prove you have the chain of title to collect this debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account status unknown Account type collections Account number XXXX xxxxxx Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due XXXX I'm asking to see death validation Send me a detailed list of the history of payments made by me on this account I want to see the signature that I signed guaranteeing me to pay this creditor. 
I'm asking to see have there been any insurance claimed or filed on his debt. 
I want proof that you have to chain of title to collect on this debt. 
XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Account number XXXX Account type collections Date open XX/XX/XXXX I would like a letter of debt validation Send me a detailed list of the payment history made by me on this account. 
I want to see the signature that I put on the contract guarantee that I will pay this creditor. 
I'm asking to see has there been any insurance filed or claimed on this debt. 
I want to see proof that you have to chain of title to collect on this debt. 
XXXX XXXX XXXXXXXX XXXX I would like all that removed under XXXX XXXX XXXX Since my personal information was exposed during the data breach.

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

Complaint narrative:
I am writing you to formally express my concerns regarding Zelles handling 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. The informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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.

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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian 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 Experian, 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 Experian 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 experian '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 2025-01-20 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: NY

Complaint narrative:
I am writing to informally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking these transaction was infeasible. The CFPBs findings indicate that Zelle has not only negalected 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: 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: 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian '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 2025-01-20 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: GA

Complaint narrative:
XXXX XXXX XXXX {$1700.00} XXXX {$3800.00} XXXX XXXX XXXX  {$520.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX AUTO {$43000.00} XXXX XXXX {$1100.00} INQUIRIES : XXXX XX/XX/year> AM VICTIM OF IDENTITY THEFT AND MY INFORMATION LEAKED IN MULTIPLE DATA BREACHES, WHICH RESULTED IN NUMEROUS FRAUDULENT ACCOUNTS AND INQUIRIES ON 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Per XXXX XXXX XXXX XXXX XXXX 1 challeneges 30day response time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 challenges investigation protocol, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX challenges re-insertion protocol. Hence experian is falsely reinstating debt. This is why there is a major lawsuit against experian of which i believe i am also a victim of, and will seek legal council beyond this final request to have the debt validated or removed. I have asked several times for proof of this debt yet when i dispute experian has only reinstated the debt. You can not commit me of a debt which i do not own nor can you provide me proof within legal reason. I have disputed multiple times only for the results to return with NO requested proof of debt and in less than XXXX? I do not believe a sufficient investigation was ever done.

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: CO

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 Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 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: 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$620000.00} XXXX XXXX XXXX CU XXXX Balance {$11000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$630000.00} TEXAS XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$620000.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00}

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: 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: SC

Complaint narrative:
I am submitting a complaint against XXXX, Experian and XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) .Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of y credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and conducting a proper investigation to remove the errors withing the required 30-day period 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act 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, the dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate red dress 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 transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service, an unfair practices was violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take time timely, and effective measures to prevent an 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for this violation.

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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX  ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the negligent noncompliance of TransUnion XXXX XXXX with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX, which addresses civil liability for negligent failure to comply with the requirements of the Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the negligent noncompliance of XXXX XXXX XXXX with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX, which addresses civil liability for negligent failure to comply with the requirements of the Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: IL

Complaint narrative:
They shut my account down for no reason at all and I tried to add money to my account. I contacted support but no live person. They just sent me a message saying my account was suspended.

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: FL

Complaint narrative:
Please block and remove the following accounts Due to XXXX data breach. XXXX XXXX BAL. {$120.00}. XXXX XXXX bal. {$210.00}, XXXX XXXX  XXXX. {$580.00}, XXXX XXXX XXXX BAL. {$1000.00}, XXXX XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX  BAL. {$28000.00}, XXXX XXXX XXXX {$3800.00}, XXXX XXXX. {$2900.00} XXXX XXXX  bal. {$12000.00}, XXXX XXXX XXXXXXXX XXXX. {$72000.00}

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