vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request to Cease Reporting of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding a matter involving inaccurate credit reporting by XXXX XXXXXX/XX/XXXX XXXX XXXX. I have provided evidence that the company is currently in default, and my case against them is in active litigation under case number XXXX. I have included all relevant documentation to support my claim, which you may review by referencing the provided case number. 
Despite my efforts to resolve this matter by sending notices and invoices toXXXX XXXXXX/XX/XXXX XXXX XXXX, they continue to report inaccurate information to the credit bureaus. Additionally, there is inconsistency in how the three major credit bureausXX/XX/XXXX, XXXX, and TransUnionare reporting this information, further complicating the situation. 
According to the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681c and 1681s-2, creditors are obligated to report accurate information and to promptly correct any inaccuracies. By continuing to report inaccurate information and failing to investigate the evidence I have provided, [ Company Name ] is in violation of these provisions.

Given the discrepancies in reporting and the ongoing litigation, I am requesting the removal of all late payments associated with this account from my credit reports. If this issue is not promptly resolved, I will be compelled to pursue further legal action to protect my rights and ensure compliance with the FCRA.

I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request to Cease Reporting of Inaccurate Information Dear Consumer Financial Protection Bureau, I am writing to formally request your intervention regarding a matter involving inaccurate credit reporting by XXXX XXXXXX/XX/XXXXXXXX XXXX. I have provided evidence that the company is currently in default, and my case against them is in active litigation under case number XXXX. I have included all relevant documentation to support my claim, which you may review by referencing the provided case number. 
Despite my efforts to resolve this matter by sending notices and invoices toXXXX XXXXXX/XX/XXXXXXXX, they continue to report inaccurate information to the credit bureaus. Additionally, there is inconsistency in how the three major credit bureausEquifax, XXXX, and XXXX reporting this information, further complicating the situation. 
According to the Fair Credit Reporting Act ( FCRA ), particularly under sections 1681c and 1681s-2, creditors are obligated to report accurate information and to promptly correct any inaccuracies. By continuing to report inaccurate information and failing to investigate the evidence I have provided, [ Company Name ] is in violation of these provisions. 
Given the discrepancies in reporting and the ongoing litigation, I am requesting the removal of all late payments associated with this account from my credit reports. If this issue is not promptly resolved, I will be compelled to pursue further legal action to protect my rights and ensure compliance with the FCRA. 
I appreciate your immediate attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: NJ

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXX/XX/XXXX XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -Bankruptcy XX/XX/XXXXXXXX XXXX XXXX Balance Owed : {$0.00} -Bankruptcy XX/XX/XXXXXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -Bankruptcy XX/XX/XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have problems, taking money out my account and using my card the money had disappeared from my 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
Consumer complaint received 2025-01-18 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: TX

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 thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 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. 2025-FPB-0002 ) 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. 
Accounts XX/XX/XXXXXX/XX/XXXX Opened XXXX XXXX, XXXX ( 4 yrs, 2 mos ) XXXX XXXX Opened XXXX. XXXX, XXXX ( 3 yrs, 10 mos XX/XX/XXXX Opened XXXX XXXX, XXXX ( 2 yrs, 11 mos ) XXXX XXXX Opened XXXX. XXXX, XXXX ( 2 yrs, 5 mos ) XXXX XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 7 mos )XX/XX/XXXXOpened XX/XX/XXXX ( 8 yrs, 8 mos XX/XX/XXXXOpened XX/XX/XXXX ( 8 yrs, 8 mos )XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( 2 yrs, 1 mo ) XXXX XXXX XXXX Opened XXXX. XXXX, XXXX ( 6 mos ) XXXX XXXX XXXX XXXX. 
Opened XXXX. XXXX, XXXX ( 6 yrs, 6 mos ) Also inaccurate addresses on my report never lived there XXXX XXXX XXXX XXXXXX/XX/XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I had so many fees when I complained they closed my account down over about XXXX dollar in fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax seems to do less independent investigations and simply relies on the collection agency to verify the debt which sort of defeats the point of filing a dispute.

I have disputed the debt 6 times since XX/XX/XXXX2024 for XX/XX/XXXX (collections) accountXX/XX/XXXXThe collections agency sent a cease and desist letterXX/XX/XXXX2024 stating the following:

that the account referenced below is closed in our oce. In addi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
your account. 
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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MS

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred during my time with the credit union that resulted in my account being closed. I was charged overdraft fees when funds were vague to lagged posting of charges and credits. This issue aligns with CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I would like to be added into the settlement against XXXX and 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report, specifically related to accounts with XXXX XXXX XXXX XXXX XXXX XXXX, and other disputed accounts. Despite my submissions, Equifax consistently responds within XXXX 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 for accounts such as those with XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I am requesting the removal of this account from my credit report because it was opened fraudulently due to identity theft. I did not open this account, nor did I authorize any transactions or agreements related to it. 

Here are the details of the fraudulent account : Creditor : XXXX XXXX XXXX ( original creditor : XXXX XXXX Bank XXXX XXXX. ) Balance : {$780.00} Date opened : XX/XX/XXXX Creditor : credit Central Balance : {$1100.00} Date opened : XX/XX/XXXX Creditor : Credit Central Balance : {$610.00} Date opened : XX/XX/XXXX I became aware of this issue when I reviewed my credit report. I have not received any correspondence or billing statements from this company until it appeared as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 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 theses violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I have sent money through zelle and it didnt ask was i sure i was sending money to the right as its supposed to i have been scammed through zelle as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MD

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding XXXX 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 2025-01-18 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, 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 findings findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Date XX/XX/year> for $ XXXX 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 2025-01-18 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: MS

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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have waited since thrusday for my direct deposit, Ive called multiple times to ask about any update and they have yet to give me a defined answer. They keep saying people are slowly getting them but I am going on day XXXX. I have multiple bills to pay, things to buy such as food and home necessities. I am trying to be patient but its difficult when I keep getting emails of late fees regarding my bills.

Company response to consumer: Closed with explanation