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: VA

Complaint narrative:
Date XXXX this ongoing The company XXXXXXXX XXXX  added a Balance on my credit report over XXXX dollars late payments on a closed accounts that I never had So they added charge off and late payments and balances in retaliation for disputing accounts not mines They add late payments as retailition XXXX XXXXXXXX is doing the same thing the account is closed I never had account they dont even respond Its unacceptable For XXXX years they reported XXXX XXXX XXXX separate accounts I dispute it and it was verified over 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) duet o inadequate customer service and unfair practices, which violate the Cosumer 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 cpomply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX  i was writing the company to request verification of the debt they claim i own to XXXX XXXX XXXXXXXX XXXX XXXX I never receive nothing from them

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 there 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 Electric 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: Improper use of your report — Reporting company used your report improperly
Company: United Revenue Corporation
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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: EQUIFAX, INC.
State: GA

Complaint narrative:
In light of the CFPB suing Equifax for false investigation inaccuracies on my credit report, please write me an aggressive dispute letter to get all negative items taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate and Negative Items on My Credit Report To Whom It May Concern, I am writing to formally dispute several negative items on my Equifax credit report that are either inaccurate, unverifiable, or incomplete. Recent legal actions by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for false investigations highlight a troubling pattern of negligence that calls into question the credibility of your investigative processes. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct thorough and accurate investigations of disputed items. The continued reporting of inaccurate information violates my rights as a consumer and demonstrates a failure to meet your legal obligations. 
: All negative accounts that I disputed numerous times. and I was misled by Equifax. 

I have copies for all of my disputes located on my CFPB account. 

Reason for Dispute : e.g., " Account is not mine, '' " Incorrect balance, '' " Paid in full, '' etc. 

However, as the burden of proof lies with you and the furnishers of this information, I demand immediate removal of these items unless you can provide verifiable evidence proving their accuracy.

Considering the CFPB 's lawsuit, it is evident that Equifaxs previous investigative practices may have been inadequate. If these issues are not resolved within the legally mandated 30-day period, I will have no choice but to escalate my complaints to the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue legal action for violations of the FCRA and any resulting damages caused by inaccurate reporting. 

I expect a timely and thorough response to this dispute, along with a corrected copy of my credit report reflecting the removal of the disputed items. Failure to act promptly will be interpreted as further negligence and bad faith. 

Sincerely, XXXX XXXX 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: Early Warning Services, LLC
State: AL

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Failure to Investigate and Address Disputes Comprehensive FCRA Violation To Whom It XXXX Concern, This is a formal demand for the immediate investigation and correction of inaccuracies on my credit report, which your agency has failed to address in compliance with federal law. As cited in the XXXX XX/XX/XXXX enforcement action, XXXX routinely violates the Fair Credit Reporting Act ( FCRA ) by : Failing to investigate consumer disputes adequately ; Ignoring supporting documentation provided by consumers ; Reinserting previously deleted errors without proper notification. 
Failing to block identity theft-related inaccuracies ; and Sharing inaccurate credit scores and data with lenders. 

XXXX has been found to rely on flawed processes and defective software, resulting in the misreporting of consumer data and credit scores, causing significant harm. These systemic failures have directly impacted my financial well-being.

Under 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into disputed information and provide a detailed report of your findings. However, your failure to uphold these duties not only violates federal law but also disregards the rights of consumers like myself. 
I demand the immediate correction of the following inaccurate information : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} Dept of XXXX XXXX XXXX {$10000.00} Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Failure to comply within 30 days will result in escalated complaints to the CFPB, FTC, and legal action to XXXX XXXX XXXX. This matter is urgent and requires your prompt attention 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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to Investigate and Address Disputes Comprehensive FCRA Violation To Whom It May Concern, This is a formal demand for the immediate investigation and correction of inaccuracies on my credit report, which your agency has failed to address in compliance with federal law. As cited in the CFPBs XX/XX/XXXX enforcement action, XXXX routinely violates the Fair Credit Reporting Act ( FCRA ) by : Failing to investigate consumer disputes adequately ; Ignoring supporting documentation provided by consumers ; Reinserting previously deleted errors without proper notification. 
Failing to block identity theft-related inaccuracies ; and Sharing inaccurate credit scores and data with lenders. 

XXXX has been found to rely on flawed processes and defective software, resulting in the misreporting of consumer data and credit scores, causing significant harm. These systemic failures have directly impacted my financial well-being.

Under 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into disputed information and provide a detailed report of your findings. However, your failure to uphold these duties not only violates federal law but also disregards the rights of consumers like myself. 
I demand the immediate correction of the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply within 30 days will result in escalated complaints to the CFPB, FTC, and legal action to XXXX XXXX XXXX. This matter is urgent and requires your prompt attention 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: 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 adequate 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize.I contacted the credit bureaus to dispute these hard inquires and requested their removal.Unfortunately, the credit bureaus refused to remove them off my report.This issue is causing undue stress and is negatively affecting my financial standing.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize.I contacted the credit bureaus to dispute these hard inquires and requested their removal.Unfortunately, the credit bureaus refused to remove them off my report.This issue is causing undue stress and is negatively affecting my financial standing.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report that is a result of identity theft or reported without my authorization. I am requesting that you immediately remove this fraudulent item from my credit report.Under the law, you are required to block and remove this information from my credit report within four business days of receiving this request and documentation. Please confirm once this item has been removed, or provide an explanation if you decline

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Bankruptcy. XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the rep
ort by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 service problem — 
Company: Block, Inc.
State: TX

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: LA

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 postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices in which transactions settled insufficient balances despite initial available funds. I believe these transactions are unfair and I 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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: KY

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 ). In Specially, 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 disput resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electrionic 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: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX while checking my credit report i discovered that " XXXX XXXX XXXX XXXX '' Assigned an account to collations in the amount of {$5700.00} to Reliant Capital Solutions for nonpayment on XX/XX/XXXX. No Acct number or XXXX information is listed for this account. I have never applied for or attended XXXX XXXX XXXX XXXX. I have never lived in the state of XXXX. I have never received any correspondence for this lender or the collection company they have assigned this debt to, but they have reported to the credit reporting companies a fraudulent debt I do not owe.

Company response to consumer: Closed with non-monetary relief