vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company has called many times and I have asked them to cease and desist all communication with me. This company is not LISCENSED to collect debt in my State and has illegally obtained my information for a debt that I am not positive is mine. According to XXXX, this company does not have registration in the state of Florida. Therefore, I want this removed from my credit!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-01-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the claim under Section 1681o of the Fair Credit Reporting Act ( FCRA ), which alleges negligence and noncompliance in relation to my credit report. After thoroughly reviewing the situation and the information provided, I believe that the claim is unfounded, and I respectfully request a reconsideration of the matter. 
I would like to address the following points regarding the dispute : 1. Negligence Allegation : I understand that under Section 1681o, there are certain expectations and obligations regarding the accuracy and timeliness of information reported. However, it appears that the allegations of negligence are based on inaccurate or incomplete data. I have consistently made every effort to comply with all requirements, including timely payment and proper reporting of my credit information. No evidence has been presented showing that I failed to meet my obligations in a negligent manner. 
2. Noncompliance Allegation : I also dispute the claim of noncompliance. I have made diligent efforts to ensure all relevant information is provided in compliance with the Fair Credit Reporting Act, and I have followed all instructions and deadlines accordingly. If any errors occurred, they were due to factors beyond my control, such as incorrect reporting by third parties or failure on the part of the involved institutions to meet their compliance obligations. 
3. Request for Documentation : In accordance with the Fair Credit Reporting Act, I request that you provide clear documentation supporting the claims of negligence and noncompliance. Specifically, I would like to see any relevant records, communications, or reports that led to the determination of these allegations.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Citibank account, I deposited my XXXX $ check, I had to send money to my family, and I only transferred from my XXXX XXXX to my citi account. Citibank closed my account while I had a transfer of XXXX $ being transferred from XXXX XXXX to citi. I get a email saying the funds were available on the citi account but i could not access the account, they sent a letter that my account was closed and I would receive the funds through mail this was around XXXX, XXXX comes I call to inquiry about my funds they say they need XXXX XXXX to fax over a Hold Harmless Agreement. I relay this message to XXXX XXXX, XXXX XXXX states they dont release those kind of things to other banks. I relay this message to citi bank and they pretty much said well thats what we need to release your funds. Its now XX/XX/year> and now they are saying I need to 3 way call XXXX  and citi bank so they can resolve it.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an AMEX gift card. Ive attempted to use it for online purchases and it is continuously declined despite having a balance of {$500.00}. Ive review the FAQ on the website, tried adding it to my XXXX XXXX  and XXXX as a workaround and still cant use it. It seems like a really dishonest practice to sell something that consumers cant actually use. After doing research online I found that many other people have had this issue and have turned to CFPB for relief

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
They violated the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of disputes furthermore experians, actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure XXXX 's compliance with federal law and provides consumers with 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They violated the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i which mandates a reasonable investigation of disputes furthermore XXXX, actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure XXXX 's compliance with federal law and provides consumers with necessary proof of investigation

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: IL

Complaint narrative:
XXXX XXXX I am 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 user vulnerable to 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 2025-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Det ( FCRA ) to Conduct a 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 Fumisters Accepting unreliable responses And XXXX to adequately notify consumers of dispute outcomes. These Failures align with my experiences, where Experian has neither connected 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 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Experian I am writing to dispute the following inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report, and I have identified errors that need correction. 

The items in question are : 1. Account Name/Number : I'm disputing everything on my account, charge offs, delinquencies, these banks that are saying I owe is not accurate information amongst other stuff on my account. 

Error Description : there has been a breach on you guys behalf and I don't know what's right on my account and what's not. So therefore someone need to validate and verify my information or take it off my credit report. 


2. ( Add additional accounts or issues if applicable. ) To support my dispute, I have enclosed copies of the following documents ( e.g., payment records, correspondence, identity documents, etc. ) that substantiate my claim. Please conduct a thorough investigation of these matters, correct the inaccuracies, and provide me with a copy of my updated credit report. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. Please notify me in writing of the results of your investigation and the actions taken. 

Thank you for your prompt attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information. 

Sincerely, XXXX XXXX Enclosures : see 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 platforms, leaving my account, vulnerable and unprotected. Furthermore, they 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 in financial loss, and I seek appropriate redress for these violations.

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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
here 's the accounts I reported get it now llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 2025-01-19 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: SC

Complaint narrative:
I am writing to file a complaint Navy Federal Credi 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 CFBP findings againist Navy Federal for simlat practices where transactions settled with insufficient balances despite initially available funded. I believe these practices are unfair and I request am 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 2025-01-19 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: SLM CORPORATION
State: KS

Complaint narrative:
I sent my first letter to Sallie Mae on XX/XX/scrub>/2024 that was delivered on XX/XX/year>2024, tracking number XXXX. Received a late stock response privacy notice that didn't address anything in my letter. Sent a second letter to Sallie Mae on XX/XX/year>2024 that was delivered on XXXX/XXXX/2024, tracking number XXXX. Again, I received another stock response privacy notice that didn't address anything in my letter and also received a stock response claiming to investigate but still refused to address anything in my letters, nor did Sallie Mae provide proof of the investigation or their process of an investigation. Sallie Mae 's unwillingness to cooperate and correct their violations of the law proves they are a corrupt, predatory, and fraudulent company. Sallie Mae has failed to provide the documentation requested, and Sallie Mae has unlawfully posted incorrect data and added an incorrect statement on my behalf. Sallie Mae has failed to prove that these accounts are mine and/or that the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation