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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XX/XX/XXXX Both Equifax and XXXX are extremely inefficient and user-UNFRIENDLY. If the user sets up an account with these credit reporting companies, they will not allow the customer to log in with password and user name set up previously. Then they require long hold times to speak with a customer representative. And before speaking with a representative the customer is REQUIRED to answer a plethora of time-consuming security questions going back DECADES which can not be bypassed and is still refused automated service!!! Finally the customer is THEN put on hold interminably for a live representative. 

WHO HAS TIME FOR THIS????? 

Because these credit reporting agencies are now central to the employment, housing and financial lives of ALL AMERICANS, they should be far, far more efficient and customer-friendly. 

XXXX is extremely efficient and always has been efficient and helpful, even before the internet. I was victim of ID fraud in XXXX and it was XXXX who helped me resolve the problem, which took two years ( while I was working two jobs and taking care of my father ) to resolve. 

Equifax and XXXX need to be fired or completely restructured so that they can fulfill their duty EFFICIENTLY FOR THE CUSTOMER. 

How working people in this country can apply for a simple loan mystifies me. It took me THREE DAYS to temporarily lift freezes with these credit bureaus for a tiny little {$2500.00} loan for flooring replacement. Can not IMAGINE what dealing with these companies for a home or auto loan ( or medical loan -- only in the backwards USA ) would entail. 

And I am retired. Do working people have to take sick leave ( if they have it ) or vacation time ( if they have it ) to get information from these incompetent credit bureaus? 

Both Equifax and XXXX customer service currently is unacceptable and should be shut down. They should be REQUIRED to restructure their customer service so that it is far more efficient and transparent and stress-free so that they can serve their customers seamlessly.

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: GA

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 ( 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 redres 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to file a CFPB complaint for the data breach that Experian Is responsible for. I believe it has caused the problems on my credit.I have many inquiries as well as opened and closed accounts that are not even mine. There are addresses and even names that I do not recognize and I have been trying for years to get help because somehow my information has been leaked and somehow I am getting inquiries that I dont even recognize that are not me!

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Theres a. New account with XXXX XXXX which isnt mine. This is apart of an identity theft, however I do have a self account but any new services with them isnt me and should not be reporting on my credit report this has ruined my credit profile from good to fair. I havent added any new services with self financial however I tired calling due to this to be informed about these alleged new services Ive added as new line of credit to my report. Equifax, and XXXX is at fault as well because I do have fraud alerts, and freeze on my reports these shouldnt have been allowed until further investigation by myself. According to the FCRA accounts which are reporting inaccurately should be disputed and removed immediately within 4 days.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

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 of times, my financial Institute 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-debt Final Rule 1002. 142 ( b ) ( 4 ) -5- 1002.142 ( b ) ( 7 ). Ikindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Iam a victim of XXXX XXXX  of Debt Bondage and would like for al listed accounts to be blockedand deleted from my Equifax credit report please delete the following accounts. XXXX XXXX XXXX XXXX. {$230.00} XXXX XXXX XXXX XXXX. {$330.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$700.00} US DEPARTMENT OF EDU bal. {$2000.00} US XXXX OF EDU bal. {$420.00} US DEPARTMENT OF EDU {$4000.00} US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU bal. {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I've finally decided to file a complaint against Cash App/block Inc. due to inadequate costumer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App have failed to take timely and effective measures to prevent fraudulent acts on their platform. On numerous occasions Cash App continued to leave my account vulnerable and unprotected after complaints were filed. Their dispute resolutions process was not only unfair but deceptive, as they did not a comply with any error resolution requirements under the Electronical Fund Transaction Act ( EFTA ) as well as Regulation E. These actions have caused significant inconvenience and tremendous financial losses that have put my lively hood and well being in jeopardy, and I'm seeking appropriate redress towards these actions for the loss of my finances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is inquiry shown on my credit report that I didn't give consent to, nor did I agree for anyone to us my personal information from XXXX XXXX XXXX XXXX inquiry date XX/XX/2025, XXXX XXXX XXXX XXXX inquiry date XX/XX/2025, XXXX  inquiry date XX/XX/2025 again I did not authorize nor consent to any of these companies and it needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There is inquiry shown on my credit report that I didn't give consent to, nor did I agree for anyone to us my personal information from XXXX XXXX XXXX XXXX inquiry date XX/XX/year>, XXXX XXXX XXXX XXXX inquiry date XX/XX/year>, XXXX inquiry date XX/XX/year> again I did not authorize nor consent to any of these companies and it needs to be removed immediately!

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: GA

Complaint narrative:
I have an issue with Transunion properly investigating my dispute under the Fair Credit Reporting Act. Over the past year starting XX/XX/year>, I have submitted documentation on several occasions in regards to underlying account. My ability to obtain access to credit and employment has been tremendously affected. Transunion has constantly ignored documentation/ evidence I submitted over the past year allowing previously deleted inaccuracies/misleading information to be reinserting into my credit report. The financial consequences of inaccurate information listed in my report has cause severe harm to my financial and personal well being. Every attempt to contact Transunion via phone has been unsuccessful. Each time I call, I get transferred to special handling department who never answers. Please assist me in regards to this matter.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Washington, D.C.

CFPB Sues Experian Accusing Credit Reporting Agency of 'Sham Investigations ' in Consumer Dispute Process AI Assisted Icon By XXXX XXXX Published on XX/XX/year> CFPB Sues Experian Accusing Credit Reporting Agency of 'Sham Investigations ' in Consumer Dispute Process Source : XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) has initiated legal action against Experian, accusing the credit reporting giant of conducting so-called " sham investigations '' when consumers dispute errors in their credit reports. The lawsuit, filed yesterday, claims that Experian failed to properly investigate these disputes, leading to inaccurate information that could negatively impact consumers ' access to credit, jobs, and housing. 



CFPB alleges Experian 's processes were inadequately designed to check consumer disputes thoroughly. As a result, materials with disputable accuracy have remained on credit reports, potentially damaging the economic futures of affected individuals. " When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, '' said CFPB XXXX XXXX XXXX, as per the

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 — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IN

Complaint narrative:
Cash app shut down my account took money from me. Also had been taking money from me in the past that I thought I could do nothing about can ever reach anyone with customer service. Everyone that I know is having problems with them rather taking money or closing in their account.

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: KY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their mishandling of my identity theft dispute. Despite providing Experian with my FTC Identity Theft Report, along with supporting documentation, they have refused to block fraudulent accounts or remove inaccurate information as required under Section 605B of the FCRA.

Experian has violated my rights under several provisions of the FCRA, including : 1. Failure to Provide a Method of Verification : Under Section 611 ( a ) ( 6 ) ( B ) ( iii ), Experian is required to provide the method of verification used to certify the accuracy of disputed accounts. Despite my requests, Experian has failed to supply this information. 

2. Failure to Conduct a Reasonable Investigation : Experian is obligated under Section 611 ( a ) ( 1 ) ( A ) to conduct a thorough and reasonable investigation of disputed items. However, they have relied on superficial processes and boilerplate responses, which mirror the allegations in the CFPBs XX/XX/XXXX, lawsuit against Experian for conducting sham investigations. 

3. Failure to Block Fraudulent Accounts : Experian has refused to block fraudulent accounts listed in my FTC Identity Theft Report, as required under Section 605B ( b ) of the FCRA, even after I submitted a clear and legible hard copy of the report with the FTC report number via U.S. Mail. 

The following fraudulent accounts remain on my Experian credit report : XXXX XXXX Bankruptcy XXXX XX/XX/XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experians actions have caused significant harm to my creditworthiness, and their refusal to provide the requested method of verification raises serious questions about the accuracy and integrity of their dispute resolution process. Furthermore, the fraudulent accounts are reported inconsistently across credit bureaus, yet Experian continues to certify them as accurate without proper 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
I found fraudulent inquirea in my credit report.plesae romeve. Capital 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 2025-01-19 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Bureaus are reporting incorrect information on my report affecting my credit score tremendously. They are reporting that I have an account with XXXX XXXX XXXX XXXX, however I do not. It is being reported that I owe XXXX for this account. XXXX is being reported as a joint account the others are reporting is my individual account. I have told them I have never lived in Texas. I have disputed this with the unions, I have asked for proof and no information or proof was provided. I have provided proof of residence and they did not make the correct investigation. Status 's are also being incorrectly reported Another union has reported delinquency on a repossession for XXXX and the others have not, it should not be a delinquency as it has been paid off by the bank

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: TX

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

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX Michigan XXXX ] Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute a hard inquirys on my credit report that I believe was made in error or without my authorization. Upon reviewing my TransUnion credit report, I noticed the following inquiry that I would like to have removed : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry, and I have no record of applying for credit with the company listed. Therefore, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to conduct an investigation and provide me with a response within 30 days. If additional information is needed to assist with your investigation, please let me know. 

Please confirm receipt of this dispute, and inform me of the outcome of the investigation as soon as it is completed. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name ] [ Your Date of Birth ] [ Your Social Security Number ( Last Four Digits ) ] [ Enclosures : Any relevant documentation, if applicable ] Be sure to send this letter via certified mail so you have a record of submission. Keep copies of everything for your records. Let me know if you need further help!

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