vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by XXXX. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : AmexXXXX  Account NumberXXXX Description : Late Payment I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies.

This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes, particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial jinstitution 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 finding XXXX 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 raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We received your complaint. Thank you. 

This creditor XXXX XXXX have violated my rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 1. ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having a jurisdiction to issue such an order, or subpoena issued in connection with proceedings before a final grand jury.

( 2. ) In accordance with the written instructions of the consumer whom it relates. ( b ) intends to use the information for employment purposes. D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

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 2025-01-27 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:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of hard inquiries that I never authorized, such as XXXX XXXX XXXX on XX/XX/XXXXXXXX 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 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 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

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Beginning around XX/XX/year> I contacted equifax for a hard credit inquiry that appeared on my credit report in which I did not authorize. Equifax informed me that I needed to file a request via mail. I filed multiple request with Equifax. I even found the information of the company that ran my credit and contacted them who informed me that they had evidence that I never made the request due to oddities in their filing system. That companys name was XXXX financial. With roughly 5 or six request to remove the information from my credit report in addition to request submitted by lendmark financial to remove the discrepancy on my credit report, Equifax continued to send letters with refusal and ask for the same paperwork over and over again. I did everything they asked and eventually filed a XXXX XXXX XXXX  complaint. Equifax pulled the same nonsense with myself and the XXXX XXXX XXXX assistant, stating they could not verify my identity and turn could not resolve my problem. They gave me the runaround for about nine months until I finally gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

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 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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
my Cash App account was hacked, leading to unauthorized transactions and a breach of my personal information. When I discovered the fraudulent activity, I reached out for help using the support icon in the app and attempted to dispute the transactions. However, the resolution provided by Cash App was unsatisfactory, as I was only advised to set up a new Cash App handle and card rather than receiving meaningful assistance in recovering my funds or securing my account. 

I also want to highlight that, not only did I not get my money back, but there was no accessible way to speak with a live representative. The only support option available was through the in-app chat, which was insufficient in resolving my concerns. 


I believe this incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to access my account and caused significant financial loss and inconvenience. This aligns with the broader concerns raised by the CFPB regarding Cash Apps inadequate protections against fraud. I am seeking accountability for the financial loss and the disruption this incident caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against Bank of America regarding their refusal to provide me with historical statements of my credit card account dating back to the initiation of the account. 
On XX/XX/year>, I contacted Bank of America via telephone to request statement history for my credit card account. I explained that I required these statements for legal and court purposes. However, I was informed by the banks representative that Bank of America could not provide statements dating back that far. They stated that they could only provide account statements going back a maximum of seven years.

During the conversation, the Bank of America representative further explained that Bank of America is not required to keep documents older than seven years and that account-related documents older than seven years are destroyed. The representative I spoke with was XXXX XXXX, who identified herself as a Bank of America manager stationed in XXXX XXXX, California. 
I then asked Bank of America if they would provide me with a written statement confirming that they were unable to provide me with statements as far back as I requested and that, based on their limitations, they could only provide documents going back XXXX years. When I made this request, the Bank of America manager XXXX XXXX, she refused to provide such a written statement and told me that Bank of America could not do that. 
This response is unacceptable and has caused me significant inconvenience, as the requested documents are necessary for legal proceedings. I believe that as the account holder, I have the right to access all historical account information associated with my account, regardless of the duration of time that has passed. 
I would like to point out that financial institutions have a duty to retain account information for a reasonable period of time, particularly when the account holder explicitly requests the records for legal purposes. The refusal by Bank of America to provide these statements has not only impeded my ability to comply with legal requirements but also raised concerns about their adherence to consumer rights and record retention obligations. 
I respectfully request that the CFPB investigate this matter and ensure that Bank of America fulfills their obligation to provide me with the requested historical account statements. I would also appreciate guidance from the CFPB on any recourse available to me in this situation. 
Thank you for your attention to this matter. I look forward to your response and any updates regarding the resolution of my complaint.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Zelle Lawsuit because the reason I dont use it anymore is because of so much money Ive lost dealing with the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: WI

Complaint narrative:
I sent a letter to XXXX, Equifax and XXXX asking to remove all information that couldnt be verified and validated and they sent a letter stating that the all accounts were validated.But no response of an investigation was done.Also, no proof of any of the accounts on my consumer report. 

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Ongoing Discrepancies in Credit Report Disputes Reference to CFPB Lawsuit Dear XXXX, I am writing to formally address the ongoing issues with inaccurate information on my credit report, despite my repeated attempts to dispute and resolve these errors. I have previously submitted disputes to your office, but unfortunately, the inaccuracies persist, and my credit report continues to reflect incorrect information. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate consumer disputes and for continuing to report inaccurate information. In light of this, I find it concerning that my own disputes have not been handled in accordance with the standards set by the CFPB and the Fair Credit Reporting Act ( FCRA ). 

The inaccuracies I have disputed includes information that was not to be posted on my consumer report without permissible purpose, closed and incorrect account balances, late payment marks, and wrong account information. Despite providing ample documentation to support my claims, these errors have not been corrected, and my credit report continues to reflect this inaccurate information. 

As a result of these errors, I am experiencing significant damage to my credit score, which in turn affects my financial stability and access to credit. According to the FCRA, you are obligated to investigate and correct any disputed information that is inaccurate, incomplete, or unverifiable. The continued reporting of these inaccuracies suggests that your investigations have not been conducted in a thorough or accurate manner. 

I respectfully request that you conduct a full and accurate investigation of the disputed items and provide me with the following : A detailed explanation of the steps taken to investigate my disputes.

Clear documentation proving the accuracy of the information reported on my credit file. 
A corrected version of my credit report reflecting the accurate and up-to-date information. 
Please be advised that if these discrepancies are not resolved promptly and appropriately, I will be forced to consider further action, including filing a formal complaint with the CFPB and potentially pursuing legal action. I trust that you will take the necessary steps to ensure compliance with the FCRA and resolve this matter swiftly. 

Thank you for your prompt attention to this issue. I expect a response within 30 days as required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-27 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: PA

Complaint narrative:
I told this company that this account XXXX XXXX XXXX - XXXX that this account was involved in a data breach and my information was compromised. I was sent a pre paid card of XXXX and this account is still on my credit profile.

Company response to consumer: Closed with explanation