vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: TX

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. 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 2025-01-26 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: CA

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 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. 2025-CFPB-0002 ) 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 2025-01-26 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: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
Dispute of Late Payment Reporting** **Subject : Dispute of Information on Consumer Report** Dear Sir/Madam, I am writing to formally dispute the late payments being reported on my consumer credit report. Upon reviewing my file, I have identified that late payment information is being inaccurately reported, and I am requesting its immediate removal. 

Under the provisions of 15 U.S.C. 1681 ( a ) ( 2 ), I understand that certain information regarding transactions or experiences between myself and creditors, particularly where the reported information is incomplete, outdated, or inaccurate, must be excluded from my consumer report. Specifically, the report reflects a single month of late payment, yet fails to acknowledge the months of consistent, on-time payments that followed. This isolated late payment should not overshadow my history of responsible credit management, and I am requesting the deletion of this late payment entry from my report. 

I have diligently worked to maintain good standing with my creditors, and the reported late payment does not reflect my overall payment behavior. I request that all information related to this late payment be removed and that my credit report be updated to accurately reflect my history of timely payments. 

Please investigate this matter and remove the late payment entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and would like written confirmation of the removal once completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-26 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: MO

Complaint narrative:
I SENT NUMEROUS LETTER FOR THE CREDIT AGENCY TO PROVIDE ME WITH THE RESULTS OF THE INVESTIGATION AND THE NAME OF THE EMPLOYEE WHO DID IT THEY KEPT SAYING IT WAS VERIFIED.I NEED THIS REMOVED OFF MY ACCOUNT THEY DO NOT HAVE MY PROMISSION TO REPORT WITHOUT MY CONSENT. FROM XXXX, XXXX, TRANSUNION.

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 2025-01-26 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: MO

Complaint narrative:
I SENT NUMEROUS LETTER FOR THE CREDIT AGENCY TO PROVIDE ME WITH THE RESULTS OF THE INVESTIGATION AND THE NAME OF THE EMPLOYEE WHO DID IT THEY KEPT SAYING IT WAS VERIFIED.I NEED THIS REMOVED OFF MY ACCOUNT THEY DO NOT HAVE MY PROMISSION TO REPORT WITHOUT MY CONSENT. FROM XXXX, EQUIFAX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX WITH BALANCE OF XXXX, XXXX  XXXX WITH BALANCE OF XXXX, Removal of address XXXX XXXX XXXX XXXX XXXX, CA XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX WITH BALANCE OF XXXX, XXXX XXXXXXXX WITH BALANCE OF XXXX, Removal of address XXXX XXXX XXXX XXXX XXXX, CA XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
I made a purchase for a car engine thru cash app for {$1000.00} contacted cash app and was never resolved. The name of company I bought from is XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX I had placed multiple orders on XXXX for {$97.00}, {$150.00}, {$18.00}, {$62.00}, {$14.00}, {$300.00}, and {$20.00} I had received empty packages so i got ahold of XXXX, and they pretty much told me there was nothing they could do about it. So I got ahold of my bank to do a charge back since I didn't receive any of my items that I had paid for and they declined all my disputes. So I'm out all my money, and didn't receive any of my items. Ive sent them everything they've asked for. I've banked with chime for years and have never had to dispute anything until now and its been such an issue. My money should be insured up to {$250000.00} by this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
-This is for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements. 
XXXX XXXX, shows I have XXXX in my escrow account. 
XXXX XX/XX/XXXX, XXXX  taxes for {$4600.00} were paid. 
XXXX XXXX, XXXX, shows {$2900.00} was paid for county taxes. 
XXXX XX/XX/XXXX, statement shows I had {$14000.00} in escrow taxes and insurance. 
-Mortgage insurance is {$130.00} per month. 
-PMI is {$1500.00} per year. 
-My XX/XX/XXXX, statement shows the increase in my monthly payment to {$2700.00}. 
XXXX XXXX, monthly payment was {$2100.00}. This is what I signed up for my monthly payment when purchasing the home on XX/XX/XXXX. 
-There was a negative shortage in the escrow which I paid {$4000.00} in XXXX and XX/XX/XXXX to bring it current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Harris & Harris, Ltd.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Kansas XXXX XXXX XXXX XXXX XXXX XXXX. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingi. 

2. Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CAVALRY INVESTMENTS, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Kansas XXXX XXXX XXXX XXXX XXXX XXXX. 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingi. 

2. Provide me with all documentation used to verify the accuracy of the disputed information. 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I have a money lion account and attempted to sign up for their roarmoney banking account. I was told someone else used my SSN in 2020 to sign up, and because of this, I will never be able to sign up for the RoarMoney account, which essentially traps all my earnings on the app with them. It is either fraud or a scam, and they should fix the situation. I can prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 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 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 2025-01-26 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: NV

Complaint narrative:
[ Your Name ] XXXX XXXX [ Your Address ] XXXX XXXX XXXX [ City, XXXX, Zip Code ] XXXX XXXX Nv [ Phone Number ] XXXX [ Email Address ] XXXX [ Date ] XX/XX/year> [ Recipient Name ] XXXX XXXX [ Company Name ] [ Company Address ] [ City, State, Zip Code ] Subject : Dispute of Credit Reporting Due to Negligence Under Section 1681 Dear, CFPB I am writing to formally dispute an issue related to my credit report that appears to be the result of negligence on your part, which I believe violates my rights under Section 1681 of the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to [ insert details of the disputed information or entry, e.g., an inaccurate account, late payment, etc. ]. 

According to the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report. I believe that this particular entry is either the result of error or insufficient verification on your part, and as such, it constitutes negligence under the civil liability provisions outlined in Section 1681. 

I would appreciate it if you would investigate this matter promptly and provide me with a written explanation of the actions taken to resolve the dispute. As stipulated by the FCRA, I request that you either : Correct the erroneous information immediately and notify all relevant credit reporting agencies of the correction, or Provide me with a written explanation of the reasoning behind your decision to maintain the disputed entry. 
Please note that I am exercising my right to seek civil liability for any damages caused by the negligent reporting of this information. If the issue is not resolved or if further action is required, I am prepared to pursue legal remedies available to me under the FCRA. 

I look forward to your prompt response and the swift resolution of this matter. 

Sincerely, [ XXXX XXXX ) [ Your Social Security Number or Date of Birth ( optional, but can be useful for identification ) ] [ Your Credit Report Reference Number ( if applicable ) ]

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX & XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation