vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: GA

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. where Experian has neither corrected nor removed removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received A third party debt collector notice from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/scrub>XXXX XXXX XXXX  stating they were attempting to collect a debt that they purchased from Wayfair Credit Card through Citibank , N.A . in the amount of {$2700.00}. When asked for the chain of title I was informed it was purchased from Citibank. After further investigation on Citibank 's SEC filings I have come to realize the securities fraud that has taken place. On Citibank 's XXXX Form registered with the SEC it is proven that Citibank does not even own the debt CITIBANK CREDIT CARD ISSUANCE TRUST owned it and it has been securitized. A loan can not be transferred back to you once it has been securitized. Therefore, Citibank not only sold them a debt that was not there debt to sell, actually owes the debt themselves but they are also committing securities fraud pursuant to 18 USC 1348. They are reporting their business debt on my consumer credit report and even if it was my debt they DO NOT have the right to collect because it has been securitized. That is a violation of the FCRA providing FALSE and inaccurate information to the credit reporting agencies. It is also Extortion pursuant to 25 CFR 11.417. These illegal and fraudulent practices need to cease. The fraud being poured on We The People is becoming overwhelming and these corrupt companies need to be held accountable. I have tried for months to remove these inaccuracies from my consumer credit report and have asked for the refund of my credits and have been ignored. I have even sent in the check attached to the remittance advice accepting all titles, interest, equity etc and for them to setoff the account and they have not. I was aware that they pledge the application/agreement as the original collateral to obtain the credits/FRNs pursuant to 12 USC 412 so this was an exchange and credits owed to me that they disguised as credits given by them. Pursuant to 12 USC 83 ( a ) NO BANK shall make any loan or discount on the security of the shares of its own stock. The agreement is NOT signed by Citibank only me therefore, no consideration was given to make it a legitimate contract between Citibank and myself.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent XXXX XXXX XXXX XXXX to my friends and family. Sometimes. Money is Not Authorized to Pay to Someone Else. Scammers are sniffling money out of your account Etc

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: TX

Complaint narrative:
I am filing a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

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 2025-01-20 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: MI

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the 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 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 2025-01-20 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: TX

Complaint narrative:
Im 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 credit union 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: WA

Complaint narrative:
I created an account with Equifax on XXXX of 2024 and placed both a Security Freeze as well as a fraud alert. Now that I no longer need the Security Freeze or the Fraud Alert, I have tried numerous times to remove both of them through Equifax 's website. Every time I click to remove the security freeze and fraud alert I am met with an error message saying " Please give us a call. We can't complete your request at this time. Please call the Customer Care team ''. I finally got through to their customer care team today and was asked to provide my Social Security Number, Phone Number, Home Address, and everything. After a lengthy process, the team member says that there is nothing they can do as they couldn't verify my address and told me to go back on the website and see if I could manage everything from there. I then had to explain again that the website told me to call them. Finally the customer care employee told me I would have to mail in copies of my SSN, driver 's license, etc.. for them to verify and that they aren't even sure if I actually have a security freeze or not. Apparently my information that they have is " incomplete '' like my home address even though I provided it when I made my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Re : Dispute of Inaccurate Information - Violation of 1681 O ( Fair Credit Reporting Act ) To Whom It May Concern : I am writing to formally dispute certain information on my credit report, which I believe is inaccurate and in violation of Section 1681 of the Fair Credit Reporting Act ( FCRA ), particularly concerning the obligations of credit reporting agencies to maintain accurate records and promptly address consumer disputes.

I have identified the following errors, and I assert that these discrepancies reflect negligence or non-compliance with the requirements set forth under FCRA 1681. The details of the inaccurate information are as follows see attachment.

Under the provisions of 15 U.S.C. 1681i, I request a thorough investigation and prompt resolution of the following issues. Specifically, I believe the credit reporting agency has failed to conduct an adequate investigation within the 30-day timeframe required under the law, and as such, this may constitute negligence in compliance with your legal obligations. 

I kindly request the following actions be taken immediately : Correction or Deletion of Inaccurate Information : Based on my records, the information provided is incorrect. I request that this information be corrected or removed from my credit report as required by the FCRA. 

Notification of Results : Once the investigation is complete, I request to be notified of the outcome and that a corrected copy of my credit report be sent to me. 

Compliance with FCRA Requirements : Please confirm your compliance with all relevant provisions of the FCRA, particularly those concerning the timely and accurate resolution of consumer disputes. 

If I do not receive a response from you within the required 30 days or if the issue remains unresolved, I will be forced to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for any damages incurred due to your failure to comply with the FCRA. 

Please consider this letter as my formal dispute. I expect your prompt attention to this matter and a resolution that adheres to all relevant federal laws. 

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 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: NY

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate 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, I seek the appropriate redress for these violations.

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: MI

Complaint narrative:
I am filing a complaint against Cash app. ( Block inc ) .due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent 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 act ( ETFA ) and regulations E. The actions have caught significant inconvenience. And financial loss. And I seek appropriate.redress for these violations

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

Complaint narrative:
XXXX XX/XX/XXXX {$22.00} Never sent my money back after I canceled order XXXX XXXX XX/XX/XXXX {$10.00} unauthorized transaction XXXX XXXX XX/XX/XXXX {$10.00} unauthorized transaction XXXX XX/XX/XXXX {$36.00} Didnt recieve my money back nor received my food

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: AL

Complaint narrative:
I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the the consumer financial protection act ( cfpa ). Specifically cash app failed to take effective measures to prevent 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 the error resolution requirements under the electronic fund transfer act ( efta ) and regulations E. These acts has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 service, and unfair practices. Which have violated the Customer Financial Protection Act ( CFPA ). Specifically failed to take effective measures to prevent and address fraud on their platform leaving my account disrupted and vulnerable. Their dispute resolution process was unfair. 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 financial loss, and I seek appropriate redress for the violations done.

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: 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, and I seek appropriate redress for those violations.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that have appeared on my credit report. I recently reviewed my credit file and discovered the following inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), a company must have permissible purpose and my explicit consent before initiating a hard inquiry on my credit report. I have never applied for credit or authorized these entities to perform a hard pull on my file. These inquiries are negatively impacting my credit score and may cause further harm if not addressed promptly. 

I have already attempted to resolve this matter directly with the credit bureaus and the creditors involved, but I have not received a satisfactory resolution. As this is a clear violation of my consumer rights under the FCRA, I am requesting the CFPB 's immediate intervention to ensure these unauthorized inquiries are removed from my credit report. 

I request that the CFPB investigate this matter and take appropriate action against the companies responsible for the unauthorized inquiries. 

I appreciate your prompt attention to this issue and look forward to your response. Please confirm receipt of my complaint and provide updates on any actions taken.

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: 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: TX

Complaint narrative:
I feel that I was negatively impacted, hurting mychances at credit after receiving a response to myearlier dispute that the accounts were verified.Please provide proper and true proof or deletethese accounts. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am disputing the reporting of a late payment on my credit card account, as I believe this information is inaccurate and constitutes a violation of 15 U.S.C. 1666b, which governs billing errors related to payment due dates. My payment was submitted on or before the due date indicated on my billing statement. 

I request a thorough review of my account and payment history to verify the accuracy of the late payment reporting. If it is determined that the payment was made on time, I ask that the late payment remarks be updated or removed from my credit report and that any associated fees or penalties be eliminated from my account.

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