vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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 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 were not feasible. 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 2025-01-19 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: IN

Complaint narrative:
I'm writing to formally expressed 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 the discrepancies, my financial institution and Zelle failed to investigate my claim adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system leaving users vulnerable to scam. 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MD

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$950.00} I am filing this dispute regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. Experian denied to follow up with the investigation and alleged that the company accepting unreliable information, and failed to notify the consumer dispute results. This aligns with my situation! 
Under 15 U.S. Code 1681o, I am aware that individuals may seek civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). I am requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of being accepted for car options as well as apartment approval. Experian violated my rights as a consumer, as well as federal laws.

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 2025-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Someone has obtained my SSN and applying to numerous payday loan websites. They have also ordered a phone using my SSN with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
( 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries 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 explanation
Consumer complaint received 2025-01-19 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$950.00} I am filing this dispute regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. XXXX denied to follow up with the investigation and alleged that the company accepting unreliable information, and failed to notify the consumer dispute results. This aligns with my situation! 
Under 15 U.S. Code 1681o, I am aware that individuals may seek civil liability for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). I am requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of being accepted for car options as well as apartment approval. XXXX violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
As of today XX/XX/year> Experian is reporting a total credit limit decrease in the amount of {$XXXX} to {$XXXX} which is inaccurately reporting. My account with XXXX XXXX  in the amount of {$XXXX} is still open, and valid to verify isnt closed, nor has the lender changed the amount from {$XXXX} to {$XXXX}. Therefore, why is Experian reporting this drastic change on my credit report which has dropped my score and ruined my credit profile. Im still a XXXX XXXX  customer the account is still in good standing, also my utilization is XXXX  % at this time. Im not sure why Experian is reporting inaccurately but Im also aware Experian is being sued currently for this exact reasoning inaccurately reporting without properly investigating. Please update my reports immediately by federal law this should be done within XXXX  days.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 lagging posting of charges and credits. this issue aligns with the most 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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
The company was taking payments from me monthly via my checking account. Then they closed my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NV

Complaint narrative:
In light of CFPB lawsuit of the platform Zelle, I am writing to formally express my concerns regarding Zelle not properly handling any claims or disputes. Despite using Zelle numerous times, I feel as if my institutions have not adequately investigated any of my claims or disputes. I have been told by Zelle and my banking institutions that any lost funds were impossible to recover as well as it was impossible to track. The CFPBs findings indicate that Zelle has neglected me as a consumer and have allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: IN

Complaint narrative:
This Complaint is being filed against Equifax regarding the Data Breach and the failure to investigate and verify the account listed with XXXX XXXX XXXX Bank Account XXXX : XXXX I'm asking Equifax to remove this account listed effective immediately also under the FCRA 15 U.S. Code 1681o - Civil liability for negligent... 
XXXX XXXX XXXX https : XXXX... XXXX XXXX Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. 

along with the FCRA 605 ( B ) This account should be removed within XXXX Business Days.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Dear To whom this may concern, I am writing to formally dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). 
I request that you provide me with the following documentation to validate the debt : A copy of the original purchase agreement or contract that clearly outlines my obligation to pay this debt. 
Evidence that you are legally authorized to collect this debt, including any assignment of rights or proof of ownership.

Under 15 U.S. Code 1692g ( b ), all collection activities must cease until the requested information is provided and the debt is validated. Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure the accuracy of the information you report to credit reporting agencies. Please provide verification that your reporting practices comply with this provision. 
If you can not provide the requested documentation, I ask that you cease all collection efforts related to this matter and remove any associated negative entries from my credit report as required by law.

Finally, under 15 U.S. Code 1681c, outdated or obsolete information should not be included in my credit report. If this debt is older than the reporting time allowed by law, I request its removal immediately. 
Please respond to this request within 30 days from the date you receive this letter. All future communication regarding this matter must be in writing and sent to the address provided above. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Dear To whom this may concern, I am writing to formally dispute the validity of the debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 ).

I request that you provide me with the following documentation to validate the debt : A copy of the original purchase agreement or contract that clearly outlines my obligation to pay this debt.

Evidence that you are legally authorized to collect this debt, including any assignment of rights or proof of ownership.

Under 15 U.S. Code 1692g ( b ), all collection activities must cease until the requested information is provided and the debt is validated. Additionally, under 15 U.S. Code 1681e ( b ), you are required to ensure the accuracy of the information you report to credit reporting agencies. Please provide verification that your reporting practices comply with this provision. 
If you can not provide the requested documentation, I ask that you cease all collection efforts related to this matter and remove any associated negative entries from my credit report as required by law.

Finally, under 15 U.S. Code 1681c, outdated or obsolete information should not be included in my credit report. If this debt is older than the reporting time allowed by law, I request its removal immediately.

Please respond to this request within 30 days from the date you receive this letter. All future communication regarding this matter must be in writing and sent to the address provided above. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2025-01-19 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: IN

Complaint narrative:
Subject : Notice of FCRA Violation Double Reporting Dear experian I am writing to formally dispute an error in my credit report caused by your organization, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, it appears that the same debt has been reported twice under different accounts or entries, which has negatively impacted my credit profile. 

Details of the Violation Upon reviewing my credit report, I noticed the following : XXXX. XXXX account : XXXX XXXX. A duplicate entry for the same debt under XXXX XXXX XXXX account : XXXX Under the FCRA, furnishers of information are obligated to ensure accurate reporting of consumer information to credit bureaus. The practice of " double reporting '' or " double jeopardy '' violates : FCRA Section 623 ( 15 U.S.C. 1681s-2 ( a ) ), which mandates furnishers to provide accurate and complete information.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which obligates credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy.

My Rights Under the FCRA As a consumer, I have the right to dispute inaccurate or incomplete information and to expect the data furnisher to investigate the matter promptly. If your organization continues to report duplicate or erroneous entries, it could lead to legal liability and penalties.

Requested Action I respectfully request that you : 1. Conduct an immediate investigation into the duplicate reporting.

2. Delete the erroneous entry from my credit report across all credit bureaus ( XXXX, Experian, XXXX ). 


XXXX. Provide a written confirmation of the correction and any additional steps you have taken to the FCRA. 


I expect this matter to be resolved within the 30 days allowed by law under the FCRA. Failure to take corrective action may result in my pursuing further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

Thank you for your prompt attention to this matter. Please contact me in writing at the address above if you require further information.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXXI have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishes ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.

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