vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Transunion for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Specifically, Transunion has failed to properly review and process my dispute regarding inaccurate information on my credit report, as required by federal law. Details of the Issue : I identified several inaccurate accounts on my credit report and submitted a formal dispute to Transunion, providing all required supporting documentation to demonstrate the errors. Transunion did not conduct a reasonable investigation into my dispute as required by the FCRA. Instead, they failed to provide me with an adequate response and did not address the inaccuracies in my report. The inaccuracies in question are still present on my credit report despite my repeated efforts to resolve this matter. These accounts are : Account Name : XXXX  XXXX - Account Number XXXX Account Name : XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX Account Name : XXXX  - Account Number XXXX Transunion 's failure to comply with its obligations has caused significant harm to my credit profile and financial standing. This behavior constitutes a violation of federal law, including : The FCRA, which mandates that credit reporting agencies investigate disputes thoroughly and correct or delete inaccurate, incomplete, or unverifiable information. The CFPA, which protects consumers from unfair practices and obligates entities like Transunion to handle disputes in a fair and responsible manner.

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 2025-01-22 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 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 2025-01-22 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding the continuous re-aging of an account previously held by a creditor and subsequently sold to a collection agency. This account has been inaccurately re-aged multiple times over the years, unfairly extending its reporting timeline on my credit report. 

The most recent date listed on this account is XX/XX/year>. However, prior to that, the account had been re-aged each year, artificially extending the reporting period. By law, negative accounts must be removed from credit reports seven years after the original date of first delinquency. Based on the account 's original date, it should have been removed from my credit report three years ago. 

I have contacted all three credit bureaus ( Experian, XXXX, and XXXX ) multiple times, disputing this inaccurate reporting. Although the bureaus conducted investigations, they never provided a satisfactory resolution. I also directly reached out to the original creditor, but they informed me that the account was sold to a collection agency. The collection agency now continues the unlawful practice of re-aging the account.

I request the CFPBs assistance in : 1. Investigating the continuous re-aging of this account by the collection agency.

2. Ensuring compliance with the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of negative information beyond seven years from the original date of first delinquency.

3. Addressing the credit bureaus ' failure to provide a proper resolution to my disputes.

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 2025-01-22 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: GA

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 2025-01-22 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: MD

Complaint narrative:
I am requesting a block on the false reporting of a late payment on my account under 15 USC 1681c-2 ( a ) due to violations in disclosure requirements and false documentation. Per 15 USC 1637 ( b ), I am entitled to receive specific disclosures mailed or delivered at least 21 days prior to any payment due date. According to 15 USC 1666b, without these disclosures, there is no legal basis for a late payment. Since I did not receive these disclosures, any reported late payment is unsupported, making it a false entry. Under 18 USC 1001 ( a ) ( 3 ), knowingly submitting or maintaining false information is prohibited. Reporting a late payment without compliance with disclosure laws constitutes a materially false entry.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a credit card with Amex that had a promotional interest rate of 0 % and was wasnt slated to end until some time in XX/XX/XXXX. I was making a payment and the payment was rejected because of insufficient funds. I reached out to Amex on XX/XX/XXXX to ask about a refund on the XXXX fee. The agent was helpful and informed me that the charge was reversed. They made no mention that because of this returned payment that I would be losing my promotional rate, but more importantly, I was going to be charged interest. The interest charge was XXXX. I spoke to someone else from Amex who was able to reinstate the promotional rate and said that I would be hearing back from someone about the interest rate charge. After hearing nothing from them I followed up and the agent told me that the request was submitted and to wait an additional 3-5 business days. I then reached out on XX/XX/XXXX and was told that there was no request and there was no consideration for interest waivers. I then told them that I would consider not using their cards as a form of recuperating my cost back. The agent then told the system that I was inactive and to end the conversation. I spoke to another agent that same day and they were polite but now they were able to instantly provide me with an answer on my interest request. This all does not make sense. Agents are inconsistent in their responses and expected wait times and I as the consumer am being mismanaged by a company that prides itself on superior customer experience. The idea that the original agent who is well aware of how their terms and conditions work didn't take but a few extra seconds to let me know about what could/would happen with my account is predatory in my opinion. Even if a customer reads all the conditions, they are unlikely to recall everything. Also, since I was able to have that interest reinstated that means that if they would have informed me during my initial contact I would have had time to get the interest reinstated and not have been charged the interest. On top of that they label the charge as " Interest on Promotional Balance ''. Well, if the promotion is still active, would that not mean that the interest would be as well? Again, this prays on consumers trusting the company they do business with and taking advantage of timelines we would be unaware of. I would like the interest charge of XXXX be reversed and that I be given the opportunity to pay off the balance with at least a months time. The promotional interest rate is secondary to the interest that was charged. This resolution would be sufficient, however, it would be unfair as it does not place any blame on Amex. The labeling of the charges and the fact that they could have informed me prior to the interest charge means this all could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding account number XXXX for its repeated violations of my consumer rights under the FDCPA and FCRA. Despite disputing this information with XXXX, these violations persist, causing significant financial distress and preventing me from accessing housing and other essential resources. Below are the specific issues : Misrepresentation of Debt : LVNV Funding LLC has repeatedly reported and attempted to collect a debt of {$870.00}. This amount has been inaccurately reported for the last seven months, and the collection agency has improperly reset the seven-year reporting period each month. This violates 807 of the FDCPA.

Inconsistent Reporting of Active Dates : The collector has reported conflicting " Date Last Active '' records across multiple instances, including but not limited to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inconsistencies violate the FCRA 's requirement for accurate reporting ( 623 ) and demonstrate an attempt to manipulate the debt 's reporting timeline, effectively renewing the collection period without legal grounds.

Failure to Accurately Report Information : LVNV Funding LLC has furnished inaccurate information to credit reporting agencies. Despite my disputes, they continue to verify this false information, violating 623 ( a ) of the FCRA.

Impact of Identity Theft : I am a victim of identity theft and have informed LVNV Funding LLC of this issue. However, they have failed to provide proper documentation validating the debt as required under 609 of the FCRA. Their actions are further harming my credit profile and violating my rights.

Economic and Emotional Harm : These inaccuracies have caused significant harm to my credit score and profile, resulting in the denial of three rental applications and credit opportunities. I am in financial distress, expecting a child, and was displaced during Hurricane Milton. These
circumstances have exacerbated the harm caused by the companys actions.

Laws Violated FDCPA : 807 ( false or misleading representations ), 808 ( unfair practices ), 809 ( validation of debts ).

FCRA : 611 ( dispute process ), 623 ( a ) ( accuracy obligations ), 605A ( fraud alerts for identity theft ), 609 ( documentation requests ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 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: FL

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. I showed proof of fraudulent activity and was still denied help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting errors my financial institution and Zelle failed to do a thorough investigation on my claims. I was informed that recovering lost funds was impossible and tracking these transactions were impossible as well. CFPB findings informed that Zelle has not only neglected to protect consumers but has always repeatedly allowed offenders to exploit the system, leaving hardworking users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | 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 2025-01-22 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: GA

Complaint narrative:
Money was sent for a payment. When asked if it went to the correct person, couldnt or wouldnt verify! {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I want to be part of the Zelle class action lawsuit. I use zelle all the time. I was never aware that my transactions were not protected. There wasn't a disclaimer when I used it. Otherwise I would not have used them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 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 i financial loss, and I seek appropriate redress 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 2025-01-22 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$2700.00}

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$7200.00}, XXXX  XXXX Balance : {$0.00} & XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief