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: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am submitting a formal dispute regarding unauthorized inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). According to the FCRA, all inquiries must be authorized by me or verifiable by the creditor. 

The details of the disputed inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/year>, XX/XX/year> Creditor Name : ONEMain Date of Inquiry : XX/XX/year> I did not authorize these inquiries, and I request your assistance in ensuring the credit bureaus investigate and remove them if they can not be verified. 

Please investigate this matter promptly and provide a resolution. Thank you for your help.

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: TX

Complaint narrative:
Recently I reviewed my credit report and noticed fraudulent accounts on my report. At some point, i was incarcerated when these accounts were open. I've called and asked how are they verifying my identity at the time these accounts were open, but no straight answer or the info they obtained which was stolen. 

I would like to attach my driver 's license, social and proof of address, but can't upload more than XXXX XXXX

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX, and XXXX has failed to fulfill this 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 ( CFBP ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to for consumer provided evidence to furnishers, accepting unreliable responses and failing notify consumers of their dispute outcomes. These failures align with my experience where Experian has neither corrected norm remove any of the accounts I disputed.

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 recently reviewed my credit report and noticed collection accounts that do not belong to me. I need these accounts removed from my credit report. They are hurting my ability to get access to credit.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed collection accounts that do not belong to me. I need these accounts removed from my credit report. They are hurting my ability to get access to credit.

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: CO

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 ( ETFA ) and Regulation E. These actions have caused significant inconvenience financial loss, and I see 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: MS

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. 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 and Regulation E. These actions have caused a significant inconvenience and loss ; therefore, 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: FL

Complaint narrative:
I am 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 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 2025-01-20 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 filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act. 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 and Regulation XXXX 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: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX dollars was accidentally sent and once sent its the final payment and no process was in place for refund for transaction cancellation

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: SC

Complaint narrative:
I am writing as I feel my concern about my dispute was not investigated properly and the Zelle informed me there was no way to trace the transaction.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and noticed an account that was not reporting accurately. I have XXXX thirty-day late payment for XX/XX/year> ( account number : XXXX ) which in fact was paid on time. There was a payment of {$25.00} made on XX/XX/year>. The consumers reporting agencies have an obligation to report all information with complete accuracy according to the fair credit reporting act. This account reporting is in blatant violation of XXXX fair credit reporting act and has not been late on payments Ive attached a copy of my report to this complaint. I demand this account be updated to on time never late immediately as required by law. Thank you for your understanding and prompt action.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
continued harassment and multiple federal violations which have directly resulted in my current status as a homeless veteran. I am a protected service member and a victim of identity theft. 
DOCUMENTED HARASSMENT : XXXX harassing emails ( dates and times preserved ) Most recent harassing phone call : Friday, XX/XX/year> XXXX harassing physical letter in my possession PRIOR RESOLUTION ATTEMPTS : XXXX XXXX sent XX/XX/year> Email notification sent XX/XX/year> Identity theft report filed ( Reference XXXX XXXX ) VIOLATIONS : Servicemembers Civil Relief Act ( SCRA ) Violations : Attempting to collect debt incurred during XXXX XXXX XXXX Failure to verify military status before collection attempts Violation of 50 U.S.C. 3937 interest rate protections Violations causing direct harm to a service member 's civilian life Each violation subject to Department of Justice enforcement Fair Credit Reporting Act ( FCRA ) Violations : Reporting unverified debt during active identity theft investigation Failure to mark account as disputed Failure to investigate identity theft claim Damages to veteran 's ability to secure housing Each violation carries statutory damages up to {$1000.00} Truth in Lending Act ( TILA ) Violations : Failure to provide required disclosures No billing statements ever received Violations of Regulation Z disclosure requirements Subject to statutory damages and actual damages FDCPA Violations : XXXX separate harassing emails ( {$21000.00} in statutory damages ) Weekend communications Harassing phone calls Physical harassment through mail Each violation carries a {$1000.00} statutory penalty ACTUAL DAMAGES : Current XXXX XXXX and associated costs XXXX XXXX  expenses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Storage fees for personal property Transportation costs due to housing instability XXXX XXXX XXXX XXXX XXXX Impact on XXXX XXXX  and services Possible Damage to military service record XXXX XXXX were on a XXXXXXXX XXXX XXXX and are classified in the interest of XXXX XXXX. Contact for Passport Number and visas ( XXXX Official Only I will not give out my XXXX XXXX number to the Credit card company or NES Enterprise collection agency.

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: OH

Complaint narrative:
My XXXX XXXX XXXX which was linked to CashApp and was charged 4 times on XX/XX/year> for fraudulent pending transactions. CashApp had no transaction history of them. 

My online banking with XXXX had the transactions listed. 
XXXX- {$100.00}, XXXX {$90.00} and XXXX {$5.00}. All posted on XX/XX/year>. XXXX cancelled my XXXX XXXX card immediately and sent a replacement. I cancelled and permanently deleted my CashApp account. In addition, XXXX credited my account for the {$390.00}

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: 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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that my personal information was being misused to open unauthorized accounts in my name. I promptly contacted Transunion to report this identity theft and requested a copy of my credit report to review the fraudulent activities listed. 

Despite my requests, I have not received the credit report, nor have I been able to get a clear response from Transunion about the status of my inquiry. This lack of communication is concerning and has further exacerbated the difficulties I am facing due to identity theft. I have made multiple attempts to reach out to their customer service team, but my efforts have been met with delays and inadequate responses.

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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated 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: 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax 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 XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF THE TREAS Account # : XXXX US DEPT OF THE TREAS Account # : XXXX US DEPT OF THE TREAS Account # : XXXX Equifax 's failure to properly investigate my dispute mirrors the issues highlighted in the recent CFPB action, which required Equifax to pay {$15.00} XXXX for improper credit reporting investigations. The CFPB found that Equifax failed to conduct reasonable investigations, provided inaccurate results, and allowed errors to persist on consumer credit reports, which has significantly harmed consumers like me. 

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

I have also included proof of identity and an FTC report to support my claim.

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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
hello, someone has been using my personal information to obtain goods and services while i was a victim on XXXX XXXX violation 605c,

Company response to consumer: Closed with explanation