vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i looked at my credit report in XXXX and noticed some things are incomplete and not accurate, and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the whom the report relates to. These 3 accounts from : XXXX and XXXX - XXXX, XXXX and XXXX - XXXX, and XXXX and XXXX - XXXX, are not complete and accurate. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other violations, this reporting agency has not been properly verified and it is the credit agencies jon to report information accurately and completely, which they are not doing, so these need to be removed. 

I was affected by the Experian credit breach that occurred. My account and data were compromised, which resulted in different issues with my Experian credit reporting. The main one is that accounts are reporting incorrectly affecting my ability to access funding and approvals. 

XXXX and associates removed all 3 collections from my credit report, then less than a year later, after the data breach, it came back on. Then I requested debt validation information from them and they were NOT able to provide the name of the original creditor, the total amount owed, the date the debt originated, details of the account including any relevant transactions, and a copy of any documentation supporting their claim of the debt being yours. This affects how my household is not being approved for outside loans and lines. This needs to be addressed and DELETED asap! 

Plus this account is displaying an incorrect high payment, payment history, amount due, and has no date of last payment. And this is on all 3 accounts incorrectly. 
Account numbers : XXXX, XXXX, XXXX All of these are incorrect and need to be removed As you can see I have been dealing with them and this for years and I am tired of it now. They are screwing up the possible progress and buying power in my life for inaccurate and incomplete information. 

Thank you for your time, 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Ive been an avid Navy Federal credit union member since XXXX, though weve switched account in early XXXX. Throughout the years, there would be instances where I would have funds in my account ( $ XXXXXXXX XXXX  ) and would go and spend the cash somewhere or move it to another account. However, on the backend my account would show that that money was not there which would sometimes cause my account to overdraft anywhere up to {$30.00}. This has been an ongoing thing since Ive had an account with them and I am a member to this day in XXXX just trying to see what we can do about situation, as well as implementing a better system to prevent stuff like this happening to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against CashApp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Customers Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have XXXX XXXX XXXX XXXX. Both for XXXX I do not believe either of them go ever be used. 

Cant spend, cant check balance. Website looks very sketchy Number says backed by XXXX XXXX, but says no record of card when doing prompts. 

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been using XXXX for a while. I have been disputing things on my account that I never authorized or have any contracts or agreements with these agencies or companies, such as, collections, personal information that is not mines, and inquires that I didn't authorize. Every time I call, they say we are going to do our best to get this resolved and all the disputes say verified but no one has ever truly verified anything and I ask for removal and nothing happens. I called Sun, XX/XX/year> to address my concerns and my account all of a sudden being locked, get this stuff resolved with ongoing disputes for almost a year. The representative made me very uncomfortable asking for my full social security number and every piece of personal private information. I never had to give all that information before. I even verified my identity already with XXXX by uploading a picture of my ID though text authentication method. I stated that to the representative and he had no answer, I asked for a United States representative, he said he couldn't do that. I asked for a manager, I then connected with XXXX XXXX ID XXXX, XXXX of XXXX, explained her the situation about my account being locked and my disputes issues. XXXX asked for a picture copy of my social security card and my ID. I told her i feel uncomfortable because 1. they just had a major data breach, 2. I never have been asked for a picture of my social security card to verify my identity for a account such like XXXX. She never gave me a real answer, just keep saying small useless phrases. This is real unprofessional, funny activity, and every time I bring up the fair Credit Report Act, United States Code, and Consumer Credit report Act, the conversation turns into clown show. This is very tyrant like activity and these concerns have gone way beyond they time frames and bounds that XXXX XXXX XXXX XXXX - Validation of debts, states in the law, but this stuff is still attached to my account hindering me from living my life how its supposed to be lived. I am very disgusted and overly ready for some real authentic results that are in concordance with the FCRA and United states Code.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against cashapp ( Block.inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: 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: IL

Complaint narrative:
I am writing to file a complaint against Transunion for failing to comply with the Fair Credit Reporting Act. ( FCRA ) requirement, particularly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite multiple written disputes regarding inaccuracies on my credit report due to identity theft. Transunion has refused to conduct proper investigations or correct the errors as mandated by law. 
At the end of XXXX I sent dispute letters to Transunion regarding Fraudelent accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Az XXXX I have lived in Illinois my entire life. 

I provided detailed evidence supporting my disputes, yet Transunion either failed to respond adequately or continued reporting incorrect and false information. This failure has caused harm to my credit score, impacting my ability to secure credit. 
Transunion 's actions violate the following FCRA provisions XXXX XXXX XXXX XXXX XXXX XXXX  : Failure to ensure the accuracy of consumer reports. 
XXXX XXXX XXXX Neglect of full duty to prevent and correct inaccuracies XXXX XXXX XXXX XXXX XXXX ) Failure to delete inaccurate or unverifiable information XXXX XXXX XXXX XXXX XXXX ) Continued reporting of outdated information I request for immediate corrective action, including Full and proper reinvestigation of the disputed items. 
Deletion of inaccurate or unverifiable information Documentation of the investigation and resolution I was a victim of Identity theft and the XXXX data breach. attached is VALID IDENTITY THEFT filed with the FTC and VALID PXXXX XXXX XXXX XXXX XXXX took place. And proof of Identity.

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 2025-01-19 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: NY

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

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 2025-01-19 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 indaquate 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 my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: 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: Bounce AI, Inc.
State: PA

Complaint narrative:
I filed a dispute on Bounce AI due to problem with a company 's investigation inti an exi0stig problem. XXXX denied following up with the investigation. I was notified that the CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information and failure to notify consumer dispute results. XXXX has not attempted to remove and/or correct any information. I am requesting this derogatory remark be removed and/or corrected as soon as possible as it is affecting my chances of being able to get a car with lower apr rates. This violates my rights as a consumer as well as federal laws by disputing through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want this information removed from my credit report Ive as and put in complaints this account was opened fraud from someone years ago again still have on credit went to court and still showing opened I need it removed asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want this information removed from my credit report Ive as and put in complaints this account was opened fraud from someone years ago again still have on credit went to court and still showing opened I need it removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want this information removed from my credit report Ive as and put in complaints this account was opened fraud from someone years ago again still have on credit went to court and still showing opened I need it removed asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REVIEW A RECENT COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT ARE FRAUDULENTLY OPENED AND REPORTING TO MYCREDIT REPORT AND IS NEEDING TO BE REMOVED IMMEDIATELY. AS I AM IN THE PROCESS OF TRYING TO PURCHASE A HOME AND THIS ISINCONVENIENTLY AFFECTING ME. I'VE ADDRESSED THESE ACCOUNTS BEFORE WITH BACK UP BUT CREDITORS ARE STILL ILLEGALLY REPORTING THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 to these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Per my previous complaints, {$6300.00} in unauthorized transactions that were incomplete but still charged, that I was told was a hold and would be released was charged to my account. Wells Fargo has sent me a statement stating they do not refund these type of transactions and will not. I am not satisfied with this response. I have also reached out to XXXX XXXX XXXX XXXX and they have stated they will not refund the amounts either. I have filed complaints here and with the XXXX. I need the unauthorized charges to be refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
i noticed 4 years ago I have credit card and other debts that I do not recall opening after sending in disputes to have companies send in verification and validity of debt, they failed to provide that information. 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, leave it inaccurate or unverifiable accounts unresolved. The Customer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleged, systematic issues such as failing to forward consumer provided evidence to furnitures, 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 I provided, causing ongoing harm to my Credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experience in action, violate 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have both banks Chase and XXXX  XXXX XXXX  for money to transfer to account with Chase etc I always transfer my money to XXXX  XXXX I had a lot of errors with this bank. We only have one XXXX XXXX XXXX  near by its hard to travel to it for as transportation wise etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>, someone stole my XXXX and used a picture of my face to unlock it and then open all of my money apps. ( Zelle, XXXX, XXXX ). Zelle couldnt answer me at all over the phone. There was no direct line. My bank which had zelle on it told me since the thief checked the box before sending all of my money, there is nothing they will do. XXXX had no number to call at all. XXXX actually flagged the transacts it happened. I fought with my bank ( XXXX ) for weeks before they opened a fraud case. They then closed all of my accounts and I had no access to any of the rest of my money for weeks. XXXX sent me the {$1600.00} that was stolen through them immediately. Then my bank took money from XXXX and XXXX and held it for 8 months. Then XXXX said I owed them money that my bank took. After all was said and done, my bank gave me only {$700.00} from what was stolen from XXXX. They sent the money they took from XXXX back to XXXX. XXXX never gave me that money. So I was stolen from twice. The total amount stolen from me was {$3900.00} and I only received {$700.00} of that back. I feel scammed by the entire monetary and cash sending systems. 
I filed a police report with XXXX county as well and nothing came about with it.

Company response to consumer: Closed with explanation