vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MN

Complaint narrative:
Im making a complaint against cash app ( Block ) due to inadequate customer service and unfair practices which violates the customer service financial protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent fraud.

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: CA

Complaint narrative:
This complaint is in regard to the XXXX lawsuit most recently filed. My last XXXX Credit file was XX/XX/scrub>XXXX XXXX XXXX, and XXXX lack of investigation of the disputes I placed has negativity impacted my credit score and hurt my chances at credit after the response to my earlier dispute that the accounts were " verified ''. However, I have not seen the evidence from XXXX about my credit 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 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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is in regard to the XXXX lawsuit most recently filed. My last XXXX XXXX file was JXXXX XXXX XXXX, and XXXX lack of investigation of the disputes I placed has negativity impacted my credit score and hurt my chances at credit after the response to my earlier dispute that the accounts were " verified ''. However, I have not seen the evidence from XXXX about my credit 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Transunion I am writing to formally dispute unauthorized hard inquiries listed on my credit report. After reviewing my credit profile, I noticed the following inquiries that I did not authorize : 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  I did not give consent for these companies to access my credit report, and these inquiries are a violation of the Fair Credit Reporting Act ( FCRA ). I request that you investigate these inquiries and remove them from my credit profile immediately. 

Attached to this letter, I have included : A copy of my government-issued ID for verification purposes A utility bill or other proof of address for further identification Please investigate this matter promptly and provide me with written confirmation of the outcome. If the inquiries can not be verified as authorized, I kindly request that they be removed from my credit file. 

If you require any additional information or documentation, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution of my dispute. 

Sincerely, [ XXXX XXXX XXXX, Beneficiary UCC 1-308

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I went to the XXXX XXXX casino in XXXX to withdraw money from my Cash app card, but the ATM service wouldnt allow me to withdraw so I had to a cash advance. I had to my Cash app card into the machine and everything went through just fine at the ATM but once I took the slip for the cash advance to the cage, they wouldnt cash it for me because XXXX not XXXX and you have to be XXXX cash in your cash advance. I contacted XXXX XXXX casino in XXXX and they told me I needed to do it through Cash App and Cash App told me that I need to do it through the casino.The total was {$72.00}. I opened a dispute on Cash app about it twice now the first time I chose ATM withdraw error and it got denied and then I called them and they help me open a second dispute and I went through it and said that goods not received because I never got the money from the cash advance. The second dispute had been open since XX/XX/XXXX XXXX

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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is in regard to the Equifax lawsuit most recently filed. My last Equifax Credit file was XXXX XXXX XXXX, and Equifax lack of investigation of the disputes I placed has negativity impacted my credit score and hurt my chances at credit after the response to my earlier dispute that the accounts were " verified ''. However, I have not seen the evidence from Equifax about my credit investigation.

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: FL

Complaint narrative:
I am a victim of Identity Theft, none of these inquiries are mine. All additional inquires are included in the " Personal Statement '' section of the FTC Report. Please remove ALL of these from my credit 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 processi 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 — 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 problem, 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 2025-01-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX and Equifax alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items dispute the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX and Equifaxs inaction violates federal law and my rights as a consumer. 
.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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: 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: NC

Complaint narrative:
I am filling this complaint because Experian has repeatedly fail to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specially they have violated. 
15USC1681e ( b ) Failure to maintain the accuracy of my credit report.

15USC1681s*2 Neglects in insuring the furnisher of information comply with their obligations.

15USC1681I ( 5 ) Failure to properly reinvestigate disputes and remove inaccurate information.

15USC1681c ( c ) Inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian but they have either fail to conduct proper investigation or reinvestigations or outright ignored the evidence I provided. to make matters worse i have learned about the recent CFPB law suit againsExperian. 
CFPB sues Experian for Sham Investigation of credit reports which highlites that Experian has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports This issue has impacted my ability to access credit, housing and employment opportunities as a result of Experian 's Noncompliance my credit report remains inaccurate. These are the accounts that have violated the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

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.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing inaccuracies on my credit report with Experian. Specifically, my credit report contains two incorrect addresses : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX I have formally requested an investigation and correction of these errors under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct inaccuracies within 30 days of receiving notice. 

I have emphasized Experians legal obligation to conduct a reasonable and thorough investigation, as established in XXXX XXXX XXXX XXXX which mandates the highest standards of accuracy, and XXXX XXXX XXXX XXXX XXXX, which requires the agency to go beyond automated checks to verify information validity. 

If Experian fails to resolve these issues within the legally mandated timeframe, I have pointed out that they may face liability under 15 U.S.C. 1681n for willful non-compliance or 15 U.S.C. 1681o for negligent non-compliance. I have also requested a detailed description of the investigation procedures and an updated copy of my corrected credit report as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I made it clear that if the matter is not resolved promptly, I reserve the right to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) or pursuing legal remedies.

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: Fraud or scam — 
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 2025-01-20 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: VA

Complaint narrative:
I am writing this complaint against Navy Federal due to overdrafts and fees on my account. I've had multiple overdrafts on my account, which at the time of me making any payments I had the funds. Yet Navy federal would not take the payment out of my account until later, after making small purchase causing overdrafts on my accounts. Which also takes money out of my savings. I've called Navy Federal before about my account having a certain amount of money ( ex : {$1.00} ) and the next morning my checking balance would be at XXXX yet there were no charges on my card/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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I mailed in a dispute letter on XXXX XXXX XXXX  to delete the bankruptcy information that can not be 100 % verified through the original creditor. In this case the original creditor is the United States Bankruptcy Court District of New Jersey. I have proof and a signed document from the United States Bankruptcy Court District of New Jersey, that's states they never sent nor do any business with any of the Credit Bureaus or XXXX. This is a clear violation of the Fair Credit Reporting Act. Due to the fact all information must be 100 % accurate and reported from the original creditor not a 3rd party.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent and inaccurate items on my credit report, which I believe are a result of identity theft stemming from a recent data breach ( specifically the [ XXXX breach or another breach if applicable ] ). I have noticed several unauthorized accounts listed on my credit report, which I did not open or authorize. 

The fraudulent accounts are listed by the following credit bureaus : XXXX XXXX XXXX These accounts appear as open credit lines and/or collections, which are affecting my credit score and my ability to obtain loans or credit. These fraudulent accounts were opened without my consent and I believe they were created using my personal information, likely due to the breach. 

I have disputed these items directly with the credit bureaus, but they have not been removed or corrected, despite providing a fraud affidavit and filing a police report. Additionally, [ list of companies involved, such as debt collectors or original creditors ] have reported these fraudulent accounts, even though I never authorized them.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires that no information related to credit or financial matters can be reported without my written consent, unless a legitimate exception exists ( such as an application for credit or a legitimate business purpose ). Since these accounts were opened without my consent and no written authorization was provided, their inclusion on my credit report is in violation of this provision.

Additionally, under the FCRA ( 15 U.S.C. 1681i ), I am entitled to have any inaccurate, incomplete, or fraudulent information removed from my credit report after filing a dispute. 

Furthermore, under the Identity Theft and Assumption Deterrence Act of 1998, I am entitled to have fraudulent information resulting from identity theft removed from my credit report upon providing evidence such as a police report and fraud affidavit.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent and inaccurate items on my credit report, which I believe are a result of identity theft stemming from a recent data breach ( specifically the [ XXXX breach or another breach if applicable ] ). I have noticed several unauthorized accounts listed on my credit report, which I did not open or authorize. 

The fraudulent accounts are listed by the following credit bureaus : XXXX XXXX XXXX These accounts appear as open credit lines and/or collections, which are affecting my credit score and my ability to obtain loans or credit. These fraudulent accounts were opened without my consent and I believe they were created using my personal information, likely due to the breach.

I have disputed these items directly with the credit bureaus, but they have not been removed or corrected, despite providing a fraud affidavit and filing a police report. Additionally, [ list of companies involved, such as debt collectors or original creditors ] have reported these fraudulent accounts, even though I never authorized them. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires that no information related to credit or financial matters can be reported without my written consent, unless a legitimate exception exists ( such as an application for credit or a legitimate business purpose ). Since these accounts were opened without my consent and no written authorization was provided, their inclusion on my credit report is in violation of this provision. 

Additionally, under the FCRA ( 15 U.S.C. 1681i ), I am entitled to have any inaccurate, incomplete, or fraudulent information removed from my credit report after filing a dispute. 

Furthermore, under the Identity Theft and Assumption Deterrence Act of 1998, I am entitled to have fraudulent information resulting from identity theft removed from my credit report upon providing evidence such as a police report and fraud affidavit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief