vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
I have disputed charge offs and collections on all 3 Credit bureaus in pursuant to 15usc 1681b ( 2 ) ,15 usc 1692 and 15usc 1681n. XX/XX/year> I wrote each debt collector requesting removal of items off of my credit. XX/XX/year> I wrote dispute letter to all 3 credit bureaus in reference to the same items on my credit report each time via certified mail. These are only 2 of the many times I have disputed these items. I am requesting all negative items to be removed off of 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 non-monetary relief
Consumer complaint received 2025-01-20 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 have disputed charge offs and collections on all 3 Credit bureaus in pursuant to 15usc 1681b ( 2 ) ,15 usc 1692 and 15usc 1681n. XX/XX/year> I wrote each debt collector requesting removal of items off of my credit. XX/XX/year> I wrote dispute letter to all 3 credit bureaus in reference to the same items on my credit report each time via certified mail. These are only 2 of the many times I have disputed these items. I am requesting all negative items to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against cashapp ( 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 2025-01-20 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: VA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a late payment on my XXXX XXXX XXXX account ( Account Number : XXXX ) by Experian and XXXX XXXX XXXX. 

The issue pertains to a 30-day late payment reported for XX/XX/year>. This reporting is incorrect for the following reasons : 1. The Scheduled Payment Amount for XX/XX/year> was {$0.00}, meaning no payment was due that month. 

2. The account was fully paid on XX/XX/year>, with an actual payment of {$18000.00}, and subsequently closed with a zero balance. 

3. The account status is listed as Paid, Closed, confirming that it was resolved without delinquency. 

This misreporting has adversely affected my credit score and violates the Fair Credit Reporting Act ( FCRA ), specifically : 1. FCRA Section 611 ( a ) : Ensures accurate reporting by consumer reporting agencies. 
2. FCRA Section 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting false or incomplete data. 

I have attempted to resolve this issue by disputing it directly with Experian and XXXX XXXX XXXX. I provided them with supporting documentation, including payment records and account details, but have not received a resolution. 

I request that the CFPB intervene to ensure Experian and XXXX XXXX XXXX correct this inaccurate reporting immediately. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or ( XXXX ) XXXX for additional information. 

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 explanation
Consumer complaint received 2025-01-20 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Between XX/XX/year> and XX/XX/year> I was hack so XXXX I tried to contact Cash App and couldnt get nothing resolved and I contacted my bank cause my bank was connected to Cash app I was hacked and now the bank said I owe them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 Regulations 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 2025-01-20 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: MI

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 2025-01-20 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: PA

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 2025-01-20 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXX XXXX XX/XX/year>. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken.

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : XXXX TransUnion 's failure to properly investigate my dispute mirrors the issues highlighted in the CFPB and FTC actions against TransUnion for its illegal credit reporting practices. According to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), TransUnion engaged in practices that violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate consumer disputes, providing inaccurate results, and allowing errors to persist on credit reports. This harmful behavior significantly affected consumers like me, and it is a violation of my rights as outlined under the FCRA. 

Attached to this complaint is a dispute letter that I sent to TransUnion on XX/XX/year>, which is dated and time-stamped. Despite this, TransUnion has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim. I trust TransUnion will handle this matter promptly and ensure these inaccuracies are 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 non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I had a XXXX  account and my ex girlfriend called XXXX and added herself as a authorized user and sent herself XXXX and XXXX XXXX  for XXXX year it said sent my daughter XXXX a week and it wasnt me and she never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 2025-01-20 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: LA

Complaint narrative:
I sent {$XXXX} thru Zelle to a co-woker for my portion on a product we were attempting to purchase and it was never received. I lost out on the money and my co-woker never received the funds I was trying to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
Equifax still showing XXXX XXXX account stating I made payments of XXXX in XXXX. 
Stating XXXX  days late XXXX  times in XXXX All of this information is incorrect and fictious I submitted to Equifax XXXX theft form and they still refuse to remove this account Exeter account car loan over XXXX XXXX XXXX still showing on credit report XXXX XXXX XXXX close out over XXXX XXXX XXXX closing still showing on report. CLOSED Collection account still showing even though NEW LAW INTO AFFECT BY XXXX NO MEDICAL BILLS ALLOWED TO BE SHOWN ON CREDIT REPORT ( RULE V ) THIS ACCOUNT IS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$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 2025-01-20 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: OH

Complaint narrative:
I have submitted documents proving that the account from XXXX XXXX, along with XXXX XXXX, and XXXX XXXX was all fraudulent account Ive submitted identity theft report and a police report and the accounts are still on 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 2025-01-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I did not authorize XXXXXXXX XXXX XXXX  date XX/XX/XXXX states opened balance {$XXXX} and reporting my account XX/XX/XXXX, XXXX XXXX XXXX XXXX account open XX/XX/XXXX for {$XXXX} as balance I did not authorize to charge or to run my credit and report to my credit or open an account I authorized nothing to them they keep trying to charge me for something I do not recognize I need this removed from my account this is fraudulent please help me resolve this issue. I did not authorize XXXX XXXX XXXX to charge or report or run my credit to my account they are saying I owe them a balance of {$XXXX} they reported to my account XX/XX/XXXX of XXXX I did not authorize XXXX XXXX to run my credit XX/XX/XXXX I did not authorize Bank XXXX XXXX XX/XX/XXXX. Please remove these from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi I did not authorize XXXXXXXX XXXX XXXX date XX/XX/XXXX states opened balance {$XXXX} and reporting my account XX/XX/XXXX, XXXX XXXX XXXX XXXX account open XX/XX/XXXX for {$XXXX} as balance I did not authorize to charge or to run my credit and report to my credit or open an account I authorized nothing to them they keep trying to charge me for something I do not recognize I need this removed from my account this is fraudulent please help me resolve this issue. I did not authorize XXXX XXXX XXXX to charge or report or run my credit to my account they are saying I owe them a balance of {$XXXX} they reported to my account XX/XX/XXXX of XXXX I did not authorize XXXX XXXX to run my credit XX/XX/XXXX I did not authorize Bank XXXX XXXX XX/XX/XXXX. Please remove these 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I would like to file a complaint against Zelle. I tried numerous times to get my money back when it was sent to the wrong recipient and they did not assist me in that event. They just let it go so I would like to file a complaint against Zelle.

Company response to consumer: Closed with explanation