vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: NV

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as high in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations, I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of 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 2025-01-23 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: KY

Complaint narrative:
I am Writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having insufficient funds available at the time the transactions were authorized. 
However, due to a delayed posting of charges and credits, I was unfairly charged overdraft fees This issues appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices deceptive and unfair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have had a Cash App account for some years. I transferred {$150.00} to my Cash App account and was unable to send the funds to my wife. I was also unable to use the funds on my digital wallet. Every time I try to use the cash app to send or spend the money the transactions are denied. I ordered a digital card and a physical card. When I downloaded the digital card and tried to use it they deactivated the card. They are accusing me of not following the terms and conditions and I have not done anything to violate their terms and conditions. They have been holding my money since 2020 and will not return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
XXXX 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 XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX 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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
They put on my credit that I had owe XXXX XXXX XXXX and I didnt attend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NV

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 times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: OK

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding the account with XXXX XXXX XXXX XXXX, listed under the following details : Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$25000.00} I am formally requesting that you investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, which holds you liable for negligence in failing to properly investigate and verify information. 

I believe that this account is being reported inaccurately and that XXXX XXXX XXXX XXXX has failed to properly verify and validate the balance, status, and other details of the account as required by law. Despite my previous attempts to resolve this issue, no satisfactory resolution has been provided. As such, I request that this account be immediately removed from my credit report. 

I ask that you thoroughly investigate the accuracy of this information and update my credit file accordingly. If you fail to do so, I will consider pursuing further actions for civil liability as prescribed under the law for non-compliance with investigation and reporting requirements. 

Please confirm receipt of this dispute and notify me of the outcome of your investigation within the 30-day period as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: VA

Complaint narrative:
Hi! This accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-23 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: OK

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XXXX  XXXX XX/XX/2024 The following inquiry was not and should not be reporting. 
XXXX XX/XX/2024 The following inquiry was not and should not be reporting.

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 2025-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XX/XX/XXXX at XXXX I contacted Best Buy Credit Services. There phone number is XXXX. My account number is XXXX. 

I spoke with a representative and I asked was it possible to negotiate a lower interest rate. I was told that is not possible and whatever interest rate I am being charged is final.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-23 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: SC

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 EQUIFAX, 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 ( CFPB ) has recently filed a lawsuit against EQUIFAX, 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 EQUIFAX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
Unauthorized use of card, money transfers, and cancelled transactions. 
I am able to log in my account but I can not use my card anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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, allergic systemic issues such as Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to inadequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or 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 2025-01-23 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at CAPITAL XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-23 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: NC

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

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 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 infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scam. 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 2025-01-23 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: AR

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times And reporting discrepancies, my financial institution in Zelle failed to investigate my claims article. They inform me the recovering lost Fines was impossible, and the tracking these transaction was in feasible. The CFP 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 2025-01-23 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: FL

Complaint narrative:
I am a victim of identity theft and I never opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$70.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$58.00}. 
I am a victim of identity theft and I never opened this 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 explanation