vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts Ive marked as inaccurate : 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 explanation
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I know that EQUIFAX has been sued for not properly investigating and for providing inaccurate information on the credit reports. This is another negligence of duties on the side of EQUIFAX for not properly doing the investigation and of reporting accurate information in the credit reports. This time EQUIFAX allowed these unauthorized inquiries to continue to report in my credit reports, which should be blocked and removed since I never give any permission that these companies will access my credit reports. I have included my FTC report to support this complaint with the FTC report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
On XX/XX/year>, I discovered that TransUnion is reporting a fraudulent account from XXXX XXXX XXXX, related to XXXX, with a balance of {$630.00}. This account is the result of identity theft and was not authorized by me. Despite providing TransUnion with an FTC Identity Theft Report and supporting documentation, they failed to delete the fraudulent account. Additionally, TransUnion violated the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation ( 15 U.S.C. 1681i ), ensuring maximum possible accuracy in reporting ( 15 U.S.C. 1681e ( b ) ), and blocking identity-theft-related data as required under 15 U.S.C. 1681c-2.

TransUnions failure to address my dispute aligns with the CFPBs findings in Case No. XXXX, which cited systemic issues in TransUnions dispute handling processes. This includes neglecting consumer documentation, excessively deferring to furnishers, and failing to block identity-theft-related accounts. These actions are causing significant harm to my creditworthiness and financial stability.

What would be a fair resolution?

Immediate deletion of the fraudulent XXXX XXXX XXXX account from my credit report.

Written confirmation of the deletion and a copy of my updated credit report.

Implementation of proper procedures to ensure compliance with FCRA and CFPB guidelines, including reasonable investigations and blocking identity-theft-related information.

TransUnion must act promptly to rectify these issues to prevent further harm and uphold its obligations under federal law.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Cash App 's potential violations of my consumer rights under various U.S. laws and regulations. Below is a detailed account of my grievances : Complaint Details 1. Unauthorized Transactions : Cash App has processed unauthorized transactions on my account without proper notice or consent. This appears to violate 15 U.S.C. 1693 et seq., the Electronic Fund Transfer Act ( EFTA ), which protects consumers against unauthorized electronic fund transfers.

2. Failure to Provide Refunds : Despite multiple attempts to resolve disputes regarding erroneous or fraudulent charges, Cash App has failed to provide timely and adequate refunds. This conduct may contravene 12 C.F.R. 1005.11, which requires financial service providers to investigate and resolve errors within a specified timeframe.

3. Inadequate Customer Support : Cash App 's failure to provide accessible and effective customer service channels has hindered my ability to resolve disputes. This lack of transparency may violate provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

4. Data Security Concerns : I have concerns about how my personal and financial information is being stored and handled by Cash App. If their practices do not comply with 15 U.S.C. 6801, under the Gramm-Leach-Bliley Act ( GLBA ), this could represent a breach of their obligation to protect consumer data.

5. Failure to Disclose Terms and Conditions : The lack of clear disclosure of fees, policies, and user agreements might violate the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and related disclosure requirements outlined in 12 C.F.R. 1026.

Impact on Me Cash App 's actions have caused financial harm, emotional distress, and inconvenience. Their failure to address these issues has eroded my trust in their services and caused me to suffer undue hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
Report Number : XXXX Dear XXXX, I am writing to formally dispute inaccurate information on my credit report and to remind XXXX XXXX its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 1.15 USC 1681i ( a ) ( 1 ) : This section requires you to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving my dispute. I am formally disputing the following items : 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 XXXXXXXX Please verify and investigate these accounts and provide documentation showing their accuracy or remove them immediately from my credit report. 
2.15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This section requires XXXX to notify me of the results of your reinvestigation within five business days after its completion. Please ensure that your response includes all relevant details of your investigation, as well as the updated status of the disputed items.

3.15 USC 1681i ( a ) ( 5 ) ( B ) : This section prohibits you from re-inserting previously disputed information into my credit report unless you provide written notification to me within five business days prior to the reinsertion. Furthermore, this notification must include certification that the information has been verified as accurate. 

Additionally, I request that XXXX only contact me via certified mail at the address listed above regarding this dispute. Any failure to comply with this request or the provisions listed above will be considered a violation of the Fair Credit Reporting Act. 

I expect full compliance with these provisions and your timely response to this dispute. Please provide all documentation supporting the continued reporting of the disputed items or delete them permanently from my credit file. 

If XXXX fails to comply with the aforementioned laws, I reserve the right to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
Report Number : XXXX Dear XXXX, I am writing to formally dispute inaccurate information on my credit report and to remind XXXX of its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 1.15 USC 1681i ( a ) ( 1 ) : This section requires you to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving my dispute. I am formally disputing the following items : 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 Please verify and investigate these accounts and provide documentation showing their accuracy or remove them immediately from my credit report. 
2.15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This section requires XXXX to notify me of the results of your reinvestigation within five business days after its completion. Please ensure that your response includes all relevant details of your investigation, as well as the updated status of the disputed items. 
3.15 USC 1681i ( a ) ( 5 ) ( B ) : This section prohibits you from re-inserting previously disputed information into my credit report unless you provide written notification to me within five business days prior to the reinsertion. Furthermore, this notification must include certification that the information has been verified as accurate. 

Additionally, I request that XXXX only contact me via certified mail at the address listed above regarding this dispute. Any failure to comply with this request or the provisions listed above will be considered a violation of the Fair Credit Reporting Act. 

I expect full compliance with these provisions and your timely response to this dispute. Please provide all documentation supporting the continued reporting of the disputed items or delete them permanently from my credit file. 

If XXXX fails to comply with the aforementioned laws, I reserve the right to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I was charged for 3 separate purchases each one I disputed monthly explaining I never requested these charges. I even asked for them to be banned so I wouldnt get charged they keep happening I am receiving no protection from fraudulent charges I cant even get them to give me new credit card either even though they accepted my last two disputes about it they havent even credited me back the fraudulent money I was charged I am over {$50.00} loss now going on over {$70.00} from another recent charge I still have to dispute again due to their inaction!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Some time in XXXX, I filled out a form to let them know that I have a debilitating XXXX and have had it for decades, and that I was waiting on a hearing at Social Security. They wanted me to send proof that I was XXXX, but I have no proof until I'm approved.

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 2025-01-23 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system, leaving users extremely 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 2025-01-23 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: NY

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of 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 responsible 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 CFPBs 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 the federal law and provides consumers with the necessary proof of investigation. Here is the account I want removed. 
XXXX XXXX XXXX Opened XX/XX/XXXX {$26000.00}

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 non-monetary relief
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours of 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 responsible investigation of disputes. Furthermore, XXXX 's actions XXXX 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 ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. Here is the account I want removed. 
XXXX XXXX XXXX Opened XX/XX/XXXX {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am 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 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I signed up for a Citizens Bank Checking and Savings account on the same date in XXXX, XXXX, as part of a nationwide promotion the bank had for a {$400.00} sign up bonus. I joined by getting a student checking account and a savings account. 

The terms for getting the bonus were to reach at least {$500.00} in direct deposits within 60 days and to make a {$100.00} deposit in the savings account for XXXX consecutive months after the first month of account sign up. I fulfilled all the requirements for the {$400.00} bonus ( {$300.00} checking bonus + {$100.00} savings bonus ) yet Citizens Bank has since refused to pay me what I am owed. 

On XX/XX/XXXX, I made my first direct deposit of {$510.00} to my checking account, meeting the requirement for the {$300.00} checking bonus. 

On XXXX XXXX, XXXX, I deposited {$25.00} into my savings account and followed it up by depositing {$75.00} on XXXX XXXX XXXX to have the {$100.00} deposit for the first month after opening the account. I also followed it up by adding {$100.00}, {$100.00}, {$25.00}, and {$150.00} deposits to my savings on XXXX XXXX, XXXX XXXX, XXXX XXXX, and the XXXX XX/XX/year> respectively, thus fulfilling the requirement that to be eligible for the {$100.00} Savings bonus. 

When I called into Citizens Bank 's customer support, a representative told me I did not get the bonus because my account got close shortly after opening it. I was never informed of the account closure and, in fact, I was able to use the Checking and Savings accounts as one normally would, sending in direct deposits and making withdrawals where necessary. I also had money in the account at the time of Payout, ( end of XXXX, XXXX  ) and the Student account is also having no minimum balance requirement and my balance never went below XXXX. I did nothing to have the account closed. 

I believe Citizens Bank wrongfully withheld my account bonus and is using underhanded tactics to not only bully its client base but steal from them. As a bank which claims to value transparency, Citizens Bank failed in multiple occasions to reasonably let me know a ) that the account was closed ( that is what they claim ) and b ) offer a tangible reason why an account of no minimum balance was closed when the balance never went negative and that I made a cash deposit into the account shortly after getting it. I believe the " account closure '' was just a made up reason to rob me of the bonus, and if indeed the account was closed, it was no fault of my own and hence Citizens Bank still owes me the full {$400.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Im writing to address my concerns about how Zelle handles disputes, especially given the recent CFPB lawsuit that revealed major issues with the platform. Despite being a frequent user of Zelle and reporting transaction discrepancies, neither my bank nor Zelle conducted a proper investigation into my claims. I was told recovering my funds was impossible and that tracking the transactions wasnt feasible. The CFPBs findings show that Zelle has failed to protect its users and has allowed repeat offenders to exploit the system, leaving customers exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer safety.

Company response to consumer: Closed with explanation