vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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. 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 2025-01-16 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: CA

Complaint narrative:
This morning, I saw incorrect accounts on my credit report and have no clue how they appeared. I routinely check my report, but this time unexpected discrepancies showed up. I even refreshed my browser, thinking it might be a glitch, but the false accounts remained. Due to this, I kindly request a thorough review of the documents I submitted to ensure I never have to deal with this issue again.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial situation and zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but 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 2025-01-16 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: AZ

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 my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit many people. 

I personally tried to contact the company to inform them of a person exploiting people by lying about selling sports tickets. they showed a legit ticket in which once the money was sent, they cancelled the tickets. I tried to recoup my funds and asked the bank and Zelle to do an thorough investigation to get my money back and they said it was basically my fault and to be more careful. This person blocked me so we attempted use another email and Zelle to see if they could still receive monies after the fact, and they could. these types of repeat offenders need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NC

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 scammers. 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 2025-01-16 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: NY

Complaint narrative:
Experian, did not properly investigate my claim. After 48 hours they returned that they completed the investigation. They indicated file has been updated. When I compared the old with the after screens. No updates were made. Experian disadvantaged me by failing do conduct a thorough investigation. If they had, they would have resolved my inquiry and removed XXXX XXXX from my Credit report.

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 2025-01-16 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:
XXXX XXXX XXXX- {$690.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o In the payment history its marked as late, but also a charge off they can not be the same o XXXX reports last payment of XX/XX/XXXX, but Transunion reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not. 
o The closed date has No info XXXX : o XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o Transunion o XXXX reports last payment of XX/XX/XXXX, but Transunion reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o Worst payment information says No info o In remarks it is indicated as charged off, but still has a balance which is not possible.

o In the Times 30/60/90 days late, it shows all XXXX but is charged off. Both are clearly not possible.

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 2025-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX {$690.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o In the payment history its marked as late, but also a charge off they can not be the same o Equifax reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o The closed date has No info XXXX : o Equifax reports last payment of XX/XX/XXXX, but Equifax reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o XXXX o Equifax reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a XXXX which they have not. 
o Worst payment information says No info o In remarks it is indicated as charged off, but still has a balance which is not possible. 
o In the Times 30/60/90 days late, it shows all XXXX but is charged off. Both are clearly not possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX- {$690.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o In the payment history its marked as late, but also a charge off they can not be the same o XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not. 
o The closed date has No info Experian : o XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o XXXX XXXX XXXX reports last payment of XX/XX/XXXX, but XXXX reports XX/XX/XXXX o The account is charged off which requires the company to send me a 1099C which they have not.

o Worst payment information says No info o In remarks it is indicated as charged off, but still has a balance which is not possible.

o In the Times 30/60/90 days late, it shows all XXXX but is charged off. Both are clearly not possible.

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 2025-01-16 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
Spoke with a representative on XX/XX/XXXX to resolve an old debt and prior to making the payment I have requested for documentation for paying debt off. Representative advised myself that we keep our word and they will send me an email within 2

4-48 hours stating that I have repaid my debt and request for deletion from my credit. While making the payment and the representative repeating my payment INFO their system went down for almost a minute. 

I have not received that email as of XX/XX/XXXX @ XXXX pst. 


I am filing this complaint because I will not associate with the company National Credit Systems beyond that day due to their unprofessional rebuttals and not meeting their OWN expectations.

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o The date Closed has no info XXXX XXXX o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o XXXX has last payment date of XX/XX/XXXX o Status shows as charge off, but XXXX XXXX has never sent a XXXX. 
o Shows past due, closed and charged off all at once, which is not possible Transunion o The last payment date shows on XXXX XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times 30/60/90 days late

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 2025-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o The date Closed has no info XXXX  : o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o Equifax has last payment date of XX/XX/XXXX o Status shows as charge off, but XXXX XXXX has never sent a XXXX. 
o Shows past due, closed and charged off all at once, which is not possible XXXX o The last payment date shows on Equifax XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times 30/60/90 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while Experian says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o The date Closed has no info Experian : o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o XXXX has last payment date of XX/XX/XXXX o Status shows as charge off, but XXXX XXXX has never sent a XXXX. 
o Shows past due, closed and charged off all at once, which is not possible XXXX o The last payment date shows on XXXX XX/XX/XXXX, while Experian says XX/XX/XXXX o Payment statis is charge off, but XXXX XXXX never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times 30/60/90 days late

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-01-16 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: NV

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent 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 transactions.

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