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: 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 15 U.S.C. 1681o, 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
PORTFOLIO RECOVERY ASSOC Number XXXX XXXX Reported Balance {$2400.00} Account Status COLLECTION This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony Bank XXXX XXXX is reorting an account on my file I do not recognize. They are reporting I am an authorized user, however, I have never been added as an authorized user on any credit card for XXXX XXXX. This needs to be removed immediatley from my credit file as I never authorized it.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint due to EXPERIAN has continued to fail to comply with their legal obligations under the FCRA guidelines. Specifically violating 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I disputed the dates of the late payments, which I wasn't late and provided bank statements, XXXX payments as well as XXXX payments to XXXX XXXX showing proof of XXXX payments to recipient, unknowing at the time that a case was opened on me. They were satisfied, gave me credit and closed out the case, owing XXXX balance. This case has put me in a position of losing my job due to being in finance, which by the companies policy, I can not have derogatory items on my credit report. I've sent numerous letters to Experian, filed complaints with CFPB, yet nothing has happened to correct this issue. To make matters worse, I just discovered CFPB has a lawsuit against EXPERIAN for shame investigations of credit report errors.

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

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: GA

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. Zelle informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPS 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 shows lack of accountability and transparency is unacceptable and raises serous concerns about consumer privacy and protection.

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 was result of identity theft
Company: HF Holdings
State: NY

Complaint narrative:
I have no knowledge of this account i am a victim of identity thief

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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate an issue on my credit report. Despite providing all necessary documentation and clearly outlining the inaccuracies, Equifax did not conduct a thorough investigation. As a result, incorrect information remains on my report, affecting my credit score and causing unnecessary stress. This lack of diligence and failure to uphold their responsibilities in ensuring accurate reporting is unacceptable and has significant repercussions for my financial well-being.

Company response to consumer: Closed with non-monetary relief
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: VA

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 2025-01-23 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: DISCOVER BANK
State: OH

Complaint narrative:
credit inquiry on XXXX from discover financial not authorized with me. credit inquiry on XXXX from XXXX XXXX  not authorized with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I used cash app to send someone money but found out it was a scam and they where participating in fraudulent activity. I was scammed out of {$450.00} from someone and requested my money back..the person that was the scammer denied my refund request. So I reached out to cash app customer service and they told me I can't be refunded because I sent the money from my own account. I just wanted the {$450.00} back because it was a scam. It was fraudulent activity. Never got the services I paid for and person I sent the {$450.00} denied all my request for refund and also blocked my phone number.

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 information incorrect
Company: EQUIFAX, INC.
State: KS

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 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submission EXPERIAN consistently responds within 24 hours stating the accounts are accurate without providing and evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ) ,15 U. S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore XXXX actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceedings File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal laws and provides consumer with the necessary proof of investigation. This are the collections accounts that I marked inaccurate, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want reported accounts removed off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I received a new XXXX XXXX XXXX credit card with the intention of paying of a car that I am paying off that has an 11 % interest rate on it. Once I received the card, I made a balance transfer on the XXXX XXXX website from their credit card to my XXXX checking account in the amount of {$3700.00}. 
I received a notice that stated that the transfer was processed on XX/XX/year> in the amount of {$3700.00} from the XXXX XXXX credit card to XXXX XXXX XXXX ( XXXX ). The transfer never made it to my account and routing number that I requested the money to get sent to. 
I have spoke with XXXX. They don't have record of the transfer or see an incoming transfer. I have been working with XXXX XXXX and have filled many disputes and complaints and have filed one with CFPB, which is now currently closed. XXXX XXXX was able to get in touch with someone through email at : XXXX. I have been speaking with XXXX at the XXXX XXXX XXXX XXXX ( XXXX ) and she has been kindly working with me to help resolve this issue. It appears that my balance transfer is being held at the processing center as confirmed in emails between XXXX and XXXX. The transaction was confirmed with my account and routing number along with a trace id. While it is reassuring to know that my transfer isn't lost or didn't go into another account, it isn't appropriate that I have this amount of {$3700.00} as outstanding debt that I owe which I didn't receive. I have been making monthy payments on this. 
Currently, I have been in contact with XXXX XXXX XXXX XXXX emailed aciworldwide ( haven't gotten a response yet ), have emailed the president of XXXX and many of the executive officers, have called XXXX and have gotten transferred around without success. 
When XXXX corresponded with someone at XXXX, she was told that I would have to personally speak to them to request the reversal of the transfer of have it sent to my account with XXXX. XXXX XXXX states that balance transfers from their credit card can technically only go into a XXXX XXXX checking account. 
I called XXXX this morning and requested that she communicate with ACIworldwide on their thread to request that we schedule a conference call so that we can solve this issue. I need help from XXXX to get in contact with XXXX, since I haven't had any success in speaking to someone there who is willing to help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Today date XX/XX/XXXX I am writing to formally dispute the accuracy of two accounts reported by United Auto Credit Co on my credit report. These accounts are inaccurate and must be removed immediately due to violations of 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure maximum possible accuracy. 

Account Name : United Auto Credit Co Account Number : XXXX Balance : {$7100.00} Highest Balance : {$9200.00} Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Remarks : Profit and Loss Writeoff Account Name : United Auto Credit Co Account Number : XXXX Balance : {$7100.00} Highest Balance : {$9200.00} Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Remarks : Unpaid Balance Reported As A Loss By Credit Grantor The dealership associated with these accounts is known to have engaged in fraudulent activity and scammed numerous individuals by using their personal information without authorization to create fraudulent auto loans. I have never visited the dealership or authorized the opening of these accounts. The dealership has since gone out of business due to these unethical practices, further demonstrating the illegitimacy of these accounts.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested for proof of debt validation and was not given any type of proof of debt validation yet the dispute came back " valid ''. I want reported account removed. 

File Identification Number : 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

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 2025-01-23 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: NC

Complaint narrative:
The credit reporting agency violated FCRA, 15 U.S.C. 1681i by failing to conduct a reasonable investigation of disputed accounts. Despite providing clear evidence that the accounts were fraudulent the accounts were not removed from the credit report. This failure constitutes : Non-Compliance with Reinvestigation Obligations : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation of any item disputed by the consumer within 30 days. No adequate reinvestigation was performed, and the disputed information remains on the credit report. 

Failure to Correct Inaccurate Information : As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the consumer reporting agency must delete or modify inaccurate or unverifiable information after the reinvestigation. The failure to remove the fraudulent account despite proof of its inaccuracy violates this requirement. 

Violation of Notification Requirements : Under 15 U.S.C. 1681i ( a ) ( 6 ), the agency must provide the consumer with the results of the reinvestigation. The lack of timely notification about the investigation results further violates the statute.

Company response to consumer: Closed with non-monetary relief
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: AL

Complaint narrative:
Writing my concerns on how disputes are or have been resolved do to the recent CFPB lawsuit with serious issues concerning the platform. Zelle has been found to neglect my issues in the past along with many other consumers and have allowed repeated offenders to continue using the service despite the many attempts that myself and other users tried getting things resolved. I was told reversing any transactions would not be possible. It was later found that Zelle has neglected to take care of its consumers. Which has been very unacceptable.

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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Excessive over draft fees for the same transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation