vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Wrong information showing on my credit report. It was a data breach in different corporations in 2024 that exposed my personal information. Please delete all debts from my report.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  promised over the phone to close my account and remove all related information from my credit report entirely if I agreed to settle the account. They assured me there would be no record of the account, allowing me to proceed with purchasing a mortgage. Based on this promise, I agreed to the settlement. 

However, a few months after purchasing my house, the bank reported negative information about the account on my credit report. I contacted XXXX XXXX XXXXXXXX, and they directed me to Experian. Despite disputing the information multiple times with Experian, they have refused to delete the account. 

This situation is now preventing me from refinancing, which puts me at risk of losing my home. 
Account Ending in XXXX XX/XX/year> XXXX XXXX {$000.00}

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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX I called credit XXXX on XX/XX/XXXX about my payment date wil change from the XXXX XXXX the XXXX to the XXXX of the XXXX because XXXX notified me by mail that my payment will change to the the XXXX I dont remember the associat iv spoke to they inform me that they made a note of this I also let them know that i have documentation of proof so after the XXXX XXXX i called back to remind them this they ok me again then the new year came i took a look at my account online an there it was a late fee of {$25.00} alsobe advised i never was late on payments an paide in full so i called them an they was XXXX to my complant so i told the i was going to pay the blance with out the late fee an i did just that an cancel my subscription so thats when they it takes XXXX weeks so they refuse to take off the late fee an they added a 5 % XXXX now its {$30.00} so i ask for you help Thanks

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: AL

Complaint narrative:
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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Data Breach and FCRA 605B Rights Dear XXXX, I am writing to formally dispute the data breach notice I received from your company, which states that my personal information was compromised during the XXXX data breach. I take this matter seriously and seek clarification regarding the handling of my data. 

As per the Fair Credit Reporting Act ( FCRA ), Section 605B, I am aware that I have the right to request a security freeze, place fraud alerts, and dispute any inaccuracies on my credit file that may have resulted from the breach. I am requesting that you provide the following : A detailed list of the specific personal data compromised in the breach. 
Confirmation that all necessary precautions were taken to protect my information after the breach was discovered. 
Steps you have taken to resolve the breach and mitigate any potential harm, including notifying all affected individuals in compliance with the law. 
Furthermore, I request that you provide documentation of my rights under Section 605B of the FCRA, as it pertains to my ability to access a free credit report, request fraud alerts, or place a security freeze to prevent further misuse of my personal information. 

Please acknowledge receipt of this dispute within the legally required XXXX period and provide a response outlining the steps you are taking to resolve this matter. Should I not receive an adequate response within this timeframe, I will consider further actions including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX

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: PA

Complaint narrative:
I am filing a complaint against, Cash App ( block inc ) due to inadequate customer service and unfair practices, which validate consumer financial protection act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and to address fraud on their platform! This left 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 has cause 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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: KY

Complaint narrative:
Cash app closed my account for no reason. When I called them they XXXX  violated policy which I hadn't. Even the person I spoke to said they don't see why it was close.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Data Breaches and Incorrect Information on Credit Report To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized and erroneous entries on my credit report which I believe are a direct result of a data breach. These inaccuracies are negatively impacting my credit score and my ability to obtain financial services. 

Details of the complaint are as follows : XXXX. Unauthorized Inquiries and Accounts : My credit report contains multiple inquiries and accounts that I did not authorize or open. These entries are likely the result of a data breach, where my personal information was compromised and used fraudulently. 
XXXX. Incorrect Personal Information : Alongside unauthorized inquiries, there are discrepancies in my personal information such as wrong addresses and employment details that I did not provide or authorize to be shared. 
XXXX. Failure to Validate by Credit Bureaus : Despite my efforts to have these inaccuracies addressed directly with the credit bureaus, there has been no satisfactory response or resolution. The bureaus have failed to validate these accounts as required by law, specifically referencing the U.S. Code [ relevant sections from the image you provided, such as 15 USC 1681i and 15 USC 1681s-2, which demand accuracy and verification of credit report information ]. 

Given the seriousness of a data breach and its significant repercussions on my financial profile, I urge the CFPB to intervene and assist in : Thoroughly investigating these entries. 
Ensuring the credit bureaus adhere to the Fair Credit Reporting Act by removing all unverified and unauthorized information from my report. 
Providing oversight to prevent future occurrences of similar issues. 

Attached are the relevant documents supporting my claim, including evidence of the data breach notification, communications with the credit bureaus, and a detailed list of the disputed entries. 

I appreciate your immediate attention to this matter and look forward to your assistance in rectifying these issues as swiftly as possible. 

Sincerely, 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 2025-01-19 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: SC

Complaint narrative:
It's a auto loan on my credit report that passed the XXXX year mark in XXXX of last year and I have challenged it XXXX  times XXXX, XXXX & twice in XXXX with Experian and they claim the information told to them by the company is correct and is to remain on my report but when I challenged it with XXXX they removed it with no problem as I explained to Experian & they still won't remove it the account was opened XX/XX/2017 & from my understanding Auto loans fall off after XXXX years

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when 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 2025-01-19 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: CA

Complaint narrative:
I recently checked my consumer reports, and I noticed some accounts, late payments, addresses and inquires posted on my credit reports. In accordance with the fair credit reporting act EQUIFAX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS, ADDRESES AND INQUIRES IN QUESTION LIST BELOW.

15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 



15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING XXXX CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. 





XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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: Early Warning Services, LLC
State: MD

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 of 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: TX

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1100.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1100.00} Highest Balance {$1100.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mo ) Account status Open Type XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1000.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1000.00} Highest Balance {$1000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  Closed XXXX Reported : XXXX XXXX, XXXX - {$6200.00} Closed Overview You're currently using 118 % of your account 's limit. 

XXXX {$6200.00} Credit limit $ 5300 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$4400.00} Closed Overview You're currently using 117 % of your account 's limit. 

XXXX {$4400.00} Credit limit $ 3800 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$1600.00} Closed Overview You're currently using 126 % of your account 's limit. 

Balance {$1600.00} Credit limit $ 1300 Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  XXXX Reported : XXXX XXXX, XXXX - {$1300.00} Closed Overview You're currently using 133 % of your account 's limit. 

Balance {$1300.00} Credit limit $ 1000 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXXXXXX Reported : XXXX XXXX, XXXX - {$2400.00} Closed Overview You're currently using 124 % of your account 's limit. 

XXXX {$2400.00} Credit limit $ 2000 Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) These are not my accounts and I want them removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I payed the loan back in full and they still took my money off the card after I payed it back

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: WV

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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.

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: GA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Equifax for failing to comply with my rights under the Fair Credit Reporting Act. I have sent multiple letters disputing inaccuracies on my credit report, yet Equifax has not fulfilled its obligations as outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. 

In XX/XX/XXXX and XX/XX/XXXX, I sent dispute letters to Equifax regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit. 

Furthermore, I would like to draw attention to the recent CFPB order for Equifax to pay a {$15.00} XXXX penalty for improper investigations of credit reporting errors, as this reinforces my belief that they are not adhering to the law. 


Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX 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: Block, Inc.
State: TN

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, in which violates Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have calm significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation