vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX and I work in XXXX, on XXXX XXXX. My name is XXXX XXXX XXXX. A month ago I visited my sister-in-law in XXXX XXXX and on her recommendation I opened an account with Wells Fargo ( account XXXX XXXX. I always thought that Wells Fargo was a prestigious institution and I felt really proud to be able to open an account with you. My patients would pay me for their treatments and surgeries in the account and many of these payments would be made through XXXX. Today, less than a month after opening the account, I was informed that it was permanently closed due to potentially fraudulent activity. I immediately called customer service and the response was : my account had been permanently closed. I have more than 20 years of experience as a XXXX I am an honest professional and very dedicated to my XXXX. Receiving a message like that, where my integrity is questioned and my account is closed without the right to appeal, was very sad for me. I want my case to be reviewed and my problem resolved as soon as possible. Thanks.

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 2025-01-22 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) in regards to inadequate customer service and unfair practices. They violated 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 due to these violations. My first account was closed and a second account was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX  ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with necessary proof of investigation.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 proce 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 44 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable 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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

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 balance despite initially available fund. I believe these practices are unfair and request an investigation into my transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
Date : XX/XX/year> Complainants Address : XXXX XXXX XXXX XXXX, New York XXXX Subject : Complaint Regarding Inaccurate Information on My TransUnion Credit Report To Whom It May Concern, I am writing to file a complaint regarding inaccurate information on my TransUnion credit report. I believe this inaccuracy may be linked to the recent TransUnion data breach. I have identified errors on my credit report that are negatively impacting my creditworthiness and could potentially result from compromised personal data.

Specifically, the inaccurate information includes : 1. [ List any incorrect account details, inquiries, or personal data errors, e.g., incorrect balances, accounts not opened by you, or inquiries not authorized by you. ] 2. Incorrect information on consumer report, charge off accounts my income is listed as collections accounts by third party vendors, XXXX XXXX XXXX  XXXX reported a foreclosure that never happened I attached my proof.I consumer score being impacted unjustly in violation on the FCRA I have taken steps to dispute these inaccuracies directly with TransUnion but have not received a satisfactory resolution. Considering the severity of the recent data breach and its potential impact on consumer data, I am deeply concerned about the security and accuracy of my credit information. 

I am requesting the following : XXXX. A thorough investigation into the inaccuracies on my credit report. 
2. Immediate correction or removal of the disputed information.

3. Confirmation of how TransUnion is addressing the recent data breach and safeguarding consumers like myself from further harm.

The inaccuracy on my credit report has caused [ explain any harm youve suffered, such as denied credit, higher interest rates, or undue stress ]. This situation must be resolved as soon as possible. 

I have attached any relevant documentation supporting my claim, including [ list any supporting evidence, such as a copy of your credit report, dispute correspondence, or breach notifications ]. 

Thank you for addressing this matter promptly. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX, New York 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 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 2025-01-22 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:
I am filing this complaint because Experian has failed to properly investigate and verify accounts that i have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting - Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. com Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 
My disputes have been dismissed without proper reinvestigation, as required by law.

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 2025-01-22 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:
Equifax 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 Equifax, 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 Equifax has neither corrected nor removed the Chase account I have a charge off and I keep disputing the amounts, the transactions and the validation of the debt they just keep coming back with no changes on my credit without showing evidence or a true investigation its a Chase account so the credit bureaus work with them so those debts never get properly investigated I have filed more than 4 disputes with them all came back with the same exact information Request the method of verification and description of procedure. never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX p : ( XXXX ) XXXX These folks keep contacting me via text, phone, leaving voicemails multiple times. I have no idea what they are calling for nor have I received and letter communication from them. 

Now they have resorted to calling my XXXX XXXX XXXX son several times times XX/XX/year> and XX/XX/year> They contacted my mother twice today XX/XX/year> and went as far as leaving a voicemail stating if she didnt call back today they were going to contact my employer and do an employment verification. Said this is a communication from a debt collector attempting to collect a debt. This was left on my mothers voicemail whom I dont even speak to, nor does she live in my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CT

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-01-22 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: NE

Complaint narrative:
XXXX  CONSUMER account is charged off closed account and keep apearing on active acount on XXXX and XXXX and trying to collect the debuts and info is not accurated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
I have requested that this company send me the method of verification so that I may review to see if this account actually belongs to me. This information is inaccurate 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 2025-01-22 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: PA

Complaint narrative:
For over twenty four months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner.

Yet the CRA 1. fail to provide information requested, 2. failed to correct, 3. and failed to delete and remove the disputed accounts.

Instead they sent me notices of deletions, yet the account and inaccuracies remain on credit report ( see the attached exhibit ) they change the name of the Bank as well as other information. 

For example : XXXX report # XXXX shows XXXX XXXX XXXX then XXXX  saving in other instances. 
Experian report # XXXX shows the item deleted 6 times yet it still remains on my credit file with a different name same account number. see the attached XXXX report showing the above deletion XXXX different times Deletion dates per XXXX file : for the same account XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached XX/XX/24 see file attached Please include me in your class action claim against this company ; and require deletion of all disputed items. 

See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX all disputed items must be deleted at this point

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