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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX Formal Complaint Regarding XXXX Handling of Disputes for Late Payments Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their failure to properly investigate and resolve my disputes related to four late payments on my credit report. Despite my repeated efforts to have these inaccurate late payments removed, they remain on my report, adversely affecting my credit score and overall financial well-being. 

I initially began disputing these late payments in XX/XX/year>, continuing through XX/XX/year>, without any resolution. Frustrated by the lack of progress, I resumed my efforts in XXXX and XX/XX/year>, yet XXXX has continued to mishandle my disputes. Their failure to conduct proper investigations and resolve inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to : Conduct reasonable investigations of disputed items ( 15 U.S.C. 1681i ).

Correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681c ).

Refrain from re-inserting inaccurate information without certifying its accuracy and notifying the consumer ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

XXXX repeated negligence in addressing these disputes not only breaches these provisions but also significantly threatens my access to credit, employment, and housing opportunities. This ongoing issue has caused undue stress and has hindered my ability to maintain a clean credit report, which I am entitled to under the law. 

I respectfully request that the CFPB take immediate action to ensure XXXX complies with their obligations under the FCRA. I also ask for the removal of these erroneous late payments from my credit report, restoring my credit score to its rightful state. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to enforce compliance and protect consumers like me from such detrimental practices. 

Sincerely, 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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX Formal Complaint Regarding XXXX  Handling of Disputes for Late Payments Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their failure to properly investigate and resolve my disputes related to four late payments on my credit report. Despite my repeated efforts to have these inaccurate late payments removed, they remain on my report, adversely affecting my credit score and overall financial well-being. 

I initially began disputing these late payments in XX/XX/year>, continuing through XX/XX/year>, without any resolution. Frustrated by the lack of progress, I resumed my efforts in XXXX and XX/XX/year>, yet XXXX has continued to mishandle my disputes. Their failure to conduct proper investigations and resolve inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to : Conduct reasonable investigations of disputed items ( 15 U.S.C. 1681i ).

Correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681c ).

Refrain from re-inserting inaccurate information without certifying its accuracy and notifying the consumer ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 
XXXX  repeated negligence in addressing these disputes not only breaches these provisions but also significantly threatens my access to credit, employment, and housing opportunities. This ongoing issue has caused undue stress and has hindered my ability to maintain a clean credit report, which I am entitled to under the law. 

I respectfully request that the CFPB take immediate action to ensure XXXX complies with their obligations under the FCRA. I also ask for the removal of these erroneous late payments from my credit report, restoring my credit score to its rightful state. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to enforce compliance and protect consumers like me from such detrimental practices. 

Sincerely, XXXX 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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

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 filling a complaint against Cah App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CPA ). Specifically CASH APP, 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 — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARC Management Group, LLC
State: FL

Complaint narrative:
ARC MANAGEMENT GROUP , LLC {$2500.00} XXXX and now its appearing as two dates XX/XX/XXXX and XXXX XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report regarding the ( XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX, Dept of EducationXXXX XXXX XXXX, Dept of Education/XXXX XXXX XXXX XXXX Dept of Education/XXXX # XXXX XXXX Dept of EducationXXXX # XXXX, Dept of EducationXXXX XXXX XXXX, accounts, which I did not authorize and is a direct result of identity theft.

This account is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that you maintain accurate and complete information in consumer reports.

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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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

Complaint narrative:
Equifax 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 XXXX, 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 Equifax 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 Equifaxs inaction violates federal law and my rights as a consumer.

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: CA

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Several times I have sent money to someone for personal and for purchase. I could be one digit off and the money is out of my account and it would be to the wrong person. I called Zelle to see what I can do because it shows " pending '' as in not accepted yet and I basically get nothing from customer service that there's nothing they can do. If it's pending why is there nothing you can do. It seems as if the incorrect account was not a real account and they're just keeping my money due to my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: MS

Complaint narrative:
False reporting on my credit report account charged off XXXX written off XXXX i havent rrcieved a 1099 yet

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: MN

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. Therefore leaving my account, vulnerable and unprotected. As well as their dispute resolution process was and is unfair, deceptive, and deceitful. As they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and great financial loss, and I see the appropriate redress for these violations. Im requesting all the money send from my account. ( All transactions ) be refunded back to me for my great inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I co-sign for XXXX XXXX on XX/XX/year>. In XXXX I travelled out of the country to attend funeral for my husband. While I was away my son lost his job and he was back up from the loan payment for two months. I hit the car while I was backing up and the bumper at the passenger side was scratched. Due to non-payment of the car for two months the car was repossessed from me by the dealership. It was taken away by GM Financial. 
XXXX XXXX XXXX XXXX TX XXXX When i return from abroad, GM financial XXXX me that I need to I should pay $ XXXX was thinking that I should pay for the damage and the late fees. We have a conversation that I cant pay the said amount it like I am paying for the full amount of the car. I need assistance towards this problem

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: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/year>2025. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this accurate entry from my credit history. The questionable account is XXXX XXXX

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/2025. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this accurate entry from my credit history. The questionable account is 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was exposed from A data breach and I FTC complaint was filed ref number : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXXXXXX Balance 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 2025-01-20 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 proce 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 XXXX.

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: DE

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 the 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: OH

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) for inadequate customer service and unfair practices, which do violate the CFPA. To be specific, Cash app failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Alongside this, their dispute resolution process was unfair and deceptive, and did not comply with error resolution requirements under the EFTA and Resolution E. Such actions have caused great inconvenience and financial loss, and I seek appropriate redress for such 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: MD

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 proces 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 violation thank you and have a blessed day.

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: MD

Complaint narrative:
Experian failed to fullfill its legal obligations.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention a discrepancy I have identified on my credit report, dated XX/XX/year>2025. After a thorough review, I noticed an account that doesn't belong to me. I am seeking your assistance in promptly removing this accurate entry from my credit history. The questionable account is 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