vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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: AR

Complaint narrative:
I am writing to address an egregious inaccuracy I discovered while reviewing my consumer report. Upon inspection, I was astonished to find that the following company ( ies ) is/are reporting a late payment ( s ) : 1.Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX I demand the immediate removal of these erroneous late payment ( s ) from my report. This demand is grounded in established consumer protection laws that have been unequivocally violated. Below, I reference specific statutes that substantiate my position : 15 U.S.C. 1681a Definitions ; Rules of Construction Section 2, Exclusions, Subsection ( A ) ( i ) : Reports that contain information solely as to transactions or experiences between the consumer and the entity providing the report are not to be considered consumer reports under this statute.

15 U.S.C. 6802 Obligations Concerning the Disclosure of Personal Information ( b ) Opt-Out Requirements : ( A ) Financial institutions must provide clear and conspicuous notice to consumers before disclosing personal information to third parties.

( B ) Consumers must be given the opportunity to opt out of such disclosures.

( C ) The institution must explain how consumers can exercise their opt-out rights.

15 U.S.C. 1681b Permissible Purposes of Consumer Reports Subsection ( a ) ( 2 ) states that a consumer reporting agency may only furnish a report in accordance with the consumers written instructions. Reporting a late payment as a charge-off is classified as a transaction and does not meet the permissible criteria for inclusion on my consumer report.

15 U.S.C. 1681n Civil Liability for Willful Noncompliance Subsection ( a ) establishes that any person or entity failing to comply with the requirements of this subchapter is liable for actual damages or statutory damages ranging from {$100.00} to {$1000.00} per infraction.

It is my right under federal law to hold parties accountable for the willful or negligent violation of these protections. Therefore, I assert my right to seek damages in the amount of {$1000.00} per violation if this matter is not remedied promptly.

Please understand that simply stating the item has been " verified '' is not an acceptable response. The only valid resolution is the immediate removal of the disputed charge-off ( s ) from my consumer report if the legal basis for its inclusion can not be substantiated.

I expect a prompt response and an updated copy of my consumer report reflecting the removal of the incorrect information. Failure to comply with my request will leave me no choice but to pursue all available legal remedies to protect my rights. 
Sincerely, 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 2025-01-18 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: MD

Complaint narrative:
XXXX is reporting negative on credit report have asked Experian to dispute information they have not done that. The account was never late or charged off

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 2025-01-19 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: TX

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of 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 were unfeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I am submitting a complaint against ChexSystems for their failure to remove inaccurate accounts/inquirers 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, ChexSystems has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-01-18 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: NY

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 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 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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measure 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 Electric 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I sent funds on a few occasions to the wrong recipient. When I contacted Zelle to get the funds returned to me, the company said it was nothing they could do. I was sending my rent money to a recipient. The warning message never came on my screen to verify who exactly I was sending the funds to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-01-19 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: OK

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, TransUnion 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions 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 Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-18 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 sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the Ally Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

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 2025-01-18 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: GA

Complaint narrative:
I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX  Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: MS

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite 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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 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 regulation E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Direct deposit from work pay is usually available on Wednesday but did not receive until Friday evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 violate 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, their 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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
2021 XX/XX/XXXX till XXXX, it was currency that was exchanged, and that was used that was not authorized by me Fifth Third

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NC

Complaint narrative:
Account was overdrawn and I cant sign in to see the dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This company American Credit Acceptance is a scam. I had no idea i would be paying a double finance amount of XXXX the car loan ends up being XXXX for a 2015 XXXX. Also, they made me put down XXXX $ which is against the law leaving me with an extremely high interest rate knowing that I could not afford that according to my income that I provided to the company. This was not properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
On XX/XX/XXXX, I opened a new XXXX checking account and applied for a credit card at the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Following the representatives guidance, I checked my credit score using the XXXX mobile app under the " Credit Journey '' tab.

To my surprise, I discovered an incorrect credit score of over 700 and a linked XXXX XXXX XXXX credit card account that I do not own. According to the app, this revolving account was opened in XXXX. However, I just moved to the United States in XX/XX/XXXX and received my Social Security Number after my arrival. This account is not mine. 

I immediately contacted XXXX, which connected me to a restoration specialist at CSID, a part of Experian. The specialist confirmed the presence of the XXXX XXXX XXXX account on my credit report and its remaining balance. The specialist and I contacted XXXX XXXX XXXX, but their representative claimed that no account under my Social Security Number appeared in their system, despite the credit system reflecting the account on record according to Experian. 

The restoration specialist instructed me to : Contact the other two major credit bureaus. 
File a police report. 
Notify the local Social Security Administration office. 
File a complaint with the FTC I am filing this report to document this case of identity theft and to ensure that this fraudulent account is thoroughly investigated and resolved, with my credit report corrected to my actual account.

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 2025-01-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute and express my deep concern regarding the inaccurate and invalid negative items currently reported on my credit file. These items are being reported negatively by your agencies despite being current and accurate as reflected on my XXXX 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 2025-01-18 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 zelles 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 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. 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 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I received XXXX text messages alert from Fifth Third Bank notifying me of Suspicious activities. There were XXXX alerts received at XXXX : XXXX for {$XXXX} purchase through XXXX XXXX XXXX {$XXXX} purchase through XXXX XXXX XXXX, I notified the Bank XXXX the XXXX activity through the automated text messaging. 

At XXXX, I also spoke with the Customer Agent from Fifth Third Bank XXXX notifying them that I didn't make the XXXX purchases. 

On XX/XX/XXXX, I received a letter from Fifth Third Bank notifying me that my request for dispute was denied and that I am responsible to pay for the amount of {$XXXX}. ( For some the reason, the second purchase attempt was not successful ) I talked to the XXXX XXXX through the phone and the agent responded that XXXX provided them a receipt showing my name, address, email address and phone number and that they can not dispute the transaction. For them to re-open my case, I have to provide them proof that my data was stolen. 

I am just a victim of Fraud and unfortunately, Fifth Third Bank was not able to help me. I was hoping that with the notifications of suspicious activities, they were able to deny the transaction automatically. But even with the detection of Fraudulence, the transaction was not stopped and I, as a victim of Fraud, has to shoulder the payment of the said charges.

Company response to consumer: Closed with monetary relief