vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-21 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TN

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 of 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. 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently disputed an incorrect address listed on my credit report and provided clear evidence of my current address. Despite this, the credit bureau refused to remove the incorrect XXXX, Texas address, claiming it was linked to an account I hold with XXXX. To address this issue, I contacted all companies reporting on my credit file to confirm the accuracy of their information. Each company, including XXXX, verified that their records were up-to-date and did not include the incorrect address. 

I then requested the credit bureau to provide evidence linking the disputed address to any account. Upon reviewing the information provided by the credit bureau, I verified this with XXXX, which confirmed that they do not have any account or record associated with a XXXX address. This clearly shows that the credit bureau failed to conduct a proper investigation, as required under FCRA 611 ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation of disputed information.

In addition to the address dispute, I challenged inaccuracies regarding account statuses, incorrect open/close dates, and accounts that were not opened by me. To safeguard my identity, I placed a security freeze on my credit report, notified the bureaus of potential identity theft, and filed a police report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which outlines procedures for handling identity theft disputes.

Despite taking these steps, the credit bureau continues to mishandle my case. When I called and specifically requested to speak with the fraud department, I was transferred to the general information services team multiple times, delaying any meaningful resolution. This failure to provide adequate support violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

While XXXX conducted a thorough and proper investigation of their records, the credit bureau has failed to remove the incorrect address and rectify other disputed inaccuracies. Their failure to properly investigate and correct these errors is a direct violation of their obligations under FCRA 611 and 605A, which addresses the need for heightened standards when fraud or identity theft is involved.

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 2025-01-21 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: FL

Complaint narrative:
I am writing in response to your recent correspondence regarding my dispute submitted through the CFPB Complaint Portal. While I appreciate the actions taken in response to my complaint, your decision to delete the XXXX XXXX account from my credit file constitutes an admission of inaccurate reporting, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Violation of the FCRA and Admission of Fault : 1. Deletion as Admission of Inaccurate Reporting By deleting the XXXX XXXX account, Equifax acknowledges that the account was inaccurately reported on my credit file. This action confirms that your organization failed to comply with the accuracy requirements of 15 U.S.C. 1681e ( b ). Inaccurate reporting caused significant harm to my creditworthiness, reputation, and financial opportunities. 

Case Law : XXXX v. XXXX XXXX. XXXX, 775 F.3d 1330 ( 11th Cir. 2015 ) : Inaccuracies in credit reporting that harm the consumer violate the FCRA, entitling the consumer to damages. 
2. Failure to Conduct a Reasonable Reinvestigation Your investigation of the XXXX XXXX XXXX XXXX account was incomplete and unreasonable. Verifying the account without providing any supporting documentation fails to meet the standards set by 15 U.S.C. 1681i ( a ). 

Case Law : XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. 1997 ) : Credit bureaus are required to conduct thorough and reasonable reinvestigations. 
3. Emotional and Financial Damages Your failure to comply with the FCRAs accuracy requirements has caused me emotional distress, reputational harm, and financial losses due to the negative impact on my credit report. This has limited my access to favorable financial products and caused undue hardship. 

Demand for Compensation : Pursuant to 15 U.S.C. 1681n, which provides for statutory damages, punitive damages, and legal fees for willful violations of the FCRA, I demand immediate compensation of {$6000.00} to resolve this matter. This demand reflects the damages I have incurred due to your failure to comply with federal law.

If Equifax does not resolve this matter amicably by providing compensation and verifying the accuracy of my credit report, I will escalate this issue through : Filing a lawsuit seeking statutory and punitive damages under 15 U.S.C. 1681n.

Submitting additional complaints with the CFPB and FTC for your violations.

Next Steps : I expect a response to this demand within 15 days of receipt of this letter. Your failure to respond satisfactorily will leave me with no choice but to pursue legal remedies.

I look forward to your prompt attention to this matter and a resolution that ensures compliance with the FCRA while addressing the harm caused by your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 ( 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
lam 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 proces 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 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX and XX/XX/year>. I have ask and tried to dispute it with the capital one auto finance department. I keep getting hung up on or I still owe on the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

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 Credit Union 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 2025-01-21 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: IL

Complaint narrative:
Hello Pursuant to the Fair Credit Reporting Act ( FCRA ), I am writing to address issues related to identity theft and inaccurate information on my credit report. I request your prompt attention to the following matters : 1. Blocking Fraudulent Information ( 15 USC 1681c-2 ( a ) ) : This statute mandates consumer reporting agencies to block information resulting from identity theft. I request the immediate blocking of all accounts fraudulently opened in my name. 2. Disputing Inaccurate Information ( 15 USC 1681i ) : Under this section, I have the right to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information associated with this breach. 3. Ensuring Accuracy ( 15 USC 1681e ( b ) ) : This provision requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. I request a thorough review of my credit report to identify and rectify any inaccuracies stemming from this breach. 4. Access to Consumer Report ( 15 USC 1681g ( a ) ) : As provided by this statute, I request access to my complete consumer report to review all information being reported and identify potential inaccuracies resulting from this breach. 5. Preventing Misreporting of Negative Information ( 15 USC 1681m ) : Please ensure that any negative information resulting from this breach is not inappropriately reported. 6. Right to Seek Damages ( 15 USC 1681n ) : I reserve the right to pursue damages for any violations of the FCRA should you fail to comply with my requests. DEPTEDXXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX Please confirm receipt of this letter and provide written confirmation of the actions taken to address my concerns. Additionally, I request an update on any measures you are implementing to safeguard my personal information. Thank you for your prompt attention to this matter.

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 2025-01-21 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 ( Block , inc ) due to Inadequate customer Service and Unfair practices, Which violates customer 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 They are dispute resolution Process is unfair And deceptive, As they did not comply with error Resolution Requirements Under the electronic fund Transaction act ( EFTA ) And regulation E. These actions has caused significant inconvenience And financial loss, And I seek Appropriate Redress For these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 authorizing, i was charged fees due to lagged posting of charges and credits. The 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 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$550.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 to 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 2025-01-21 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 HAVE BEEN SENDING IN CERTIFIED MAIL CONCERNING IDENTITY THEFT THAT HAPPENED TO ME, CAUSING ME TO DROP TO 97 % IN MY PAYMENT HISTORY, I SENT MY CREDIT REPORT MULTIPLE TIMES IN XXXX, XXXX, XXXX AND XXXX AND ALSO XXXX, XXXX AND XXXX. NO COMMUNICATION WAS RECEIVED NOR ACTIONS TAKEN AGAINST THESE ACCOUNTS HAVING LATE PAYMENTS : XXXX XXXX, XXXX XXXX XXXX, BOTH  XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX XXXX. 

THIS COMPLAINT IS DUE TO MULTIPLE VIOLATIONS AGAINST ME INVOLVING BILLING ERRORS, BECAUSE I WASN'T NOTIFIED WITH ANY STATEMENT REFELCTING THE ALLEGED BILLING ERRORS WITHIN 60 DAYS, ITS BEEN OVER A YEAR WITH NO COMMUNICATION TO MY LETTERS AND NOW I AM IN A EXTREMELY TIGHT FINANCIAL SITUATION AS I CAN NOT ACCESS CREDIT OPPORTUNITIES BECAUSE MY CREDIT REPORT HAS MULPTIPLE VIOLATIONS NOT DONE BY ME AND ITS COSTING ME MONEY. 

MY KNOWLEDGE AS A CONSUMER IS MY CREDIT REPORT IS TO BE 100 % ACCURATE AND IT IS NOT BECAUSE THESE COMPANIES FAILED TO DO THEIR JOB. NOW SEEING THAT THEY ARE BEING SUED SHOWS AND PROVES IM NOT CRAZY.

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 2025-01-21 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 HAVE BEEN SENDING IN CERTIFIED MAIL CONCERNING IDENTITY THEFT THAT HAPPENED TO ME, CAUSING ME TO DROP TO 97 % IN MY PAYMENT HISTORY, I SENT MY CREDIT REPORT MULTIPLE TIMES IN XXXX, XXXX, XXXX AND XXXX AND ALSO XXXX, XXXX AND XXXX. NO COMMUNICATION WAS RECEIVED NOR ACTIONS TAKEN AGAINST THESE ACCOUNTS HAVING LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. 

THIS COMPLAINT IS DUE TO MULTIPLE VIOLATIONS AGAINST ME INVOLVING BILLING ERRORS, BECAUSE I WASN'T NOTIFIED WITH ANY STATEMENT REFELCTING THE ALLEGED BILLING ERRORS WITHIN 60 DAYS, ITS BEEN OVER A YEAR WITH NO COMMUNICATION TO MY LETTERS AND NOW I AM IN A EXTREMELY TIGHT FINANCIAL SITUATION AS I CAN NOT ACCESS CREDIT OPPORTUNITIES BECAUSE MY CREDIT REPORT HAS MULPTIPLE VIOLATIONS NOT DONE BY ME AND ITS COSTING ME MONEY. 

MY KNOWLEDGE AS A CONSUMER IS MY CREDIT REPORT IS TO BE 100 % ACCURATE AND IT IS NOT BECAUSE THESE COMPANIES FAILED TO DO THEIR JOB. NOW SEEING THAT THEY ARE BEING SUED SHOWS AND PROVES IM NOT CRAZY.

Company response to consumer: Closed with non-monetary relief