vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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:
I am filing this complaint against XXXX for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my numerous written disputes, XXXX has failed to properly investigate and correct inaccuracies on my credit report as required by law, specifically under : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 U.S.C. 1681s-2 : Failure of furnishers to provide accurate information.

15 U.S.C. 1681i ( 5 ) : Failure to conduct proper reinvestigations of disputed information.

15 U.S.C. 1681c ( c ) : Retaining adverse information beyond permissible timeframes. 
I have sent multiple letters ( attached ) to XXXX outlining specific inaccuracies on my credit report. Despite my evidence and their legal obligation to investigate and correct errors, they have either failed to respond adequately or refused to comply with FCRA standards. 
I recently learned about the CFPBs enforcement action against XXXX, where they were fined {$15.00} million for improper investigations of credit reporting errors. My experience aligns with the issues raised in that lawsuit, as XXXX handling of my disputes appears negligent and unlawful. 
This has caused me significant harm, including : Lowered credit scores, limiting my ability to obtain credit or secure favorable terms. 
Emotional distress from dealing with these ongoing issues. I sent letters on XX/XX/year> XX/XX/year>, XX/XX/year>, XX/XX/year> Along with online disputes as well. This has hurt my family and I for being able to get housing and credit to live

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 2025-01-18 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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having significant funds on transactions were authorized, I was charged fees due to lag postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when 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 2025-01-18 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: CA

Complaint narrative:
I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section XXXX, you are obligated to remove any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/year>

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year> I went to centuryarms website to purchase a firearm. I was then told to send my payment via zelle. I sent {$640.00} via zelle. That was the last I heard from the business. It appears the business created a cloned website of the actual business and tricked people out of their hard earned money. I contacted Bank Of America who I sent the zelle transaction from and they essentially told me I was out of luck.

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 2025-01-18 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: AZ

Complaint narrative:
XXXX writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues.despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle has not investigated my claims properly. They could not locate lost funds, CFPB indicates that that Zelle failed to protect users but as also allowed repeated offenders to take advantage of the system.this leaves me with concerns about my safety as a consumer and how my information is being used as well as other consumers with the same issues and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
I did not authorize nor give consent to companies kikoff and kafene to consent to my credit file. This is identity theft

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 2025-01-18 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: TX

Complaint narrative:
I did not authorize nor give consent to companies XXXX XXXX XXXX to consent to my credit file. This is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MI

Complaint narrative:
This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under: Section 609(a)(1)(A): A consumer contract bearing my signature.  Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts: 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  (unverified) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.

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 2025-01-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under: Section 609(a)(1)(A): A consumer contract bearing my signature.  Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts: 1XXXX 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 XXXXunverified) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 proc 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 2025-01-18 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: Westlake Services, LLC
State: SC

Complaint narrative:
I tried to apply for a car loan and they told me I have multiple Social Security numbers connected to my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NJ

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA,

15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers.Creditor has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure in depositing my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws. I am requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 an inaccurate customer service in unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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 has caused significant inconvenience and financial loss, and I see appropriate redress for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-01-18 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:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me recovering funds was impossible and that tracking these transactions was infeasible. The CFPBs finding 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 2025-01-18 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: TX

Complaint narrative:
Theres an error in how XXXX, Experian and XXXX report information on my credit report. No debt valuation information is not properly investigated and nor is it being sent to creditors with full proper documentation. Disputes get updated an remain on report in the matter of hours. No proper investigation. Improper reporting. Now Experian, XXXX and XXXX wont let me dispute items 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute several unauthorized transactions on my bank account that occurred on XX/XX/XXXX, and between XX/XX/XXXX, and XX/XX/XXXX, related to a gambling app. 
I did not authorize these transactions, nor did I give permission for anyone to use my account or debit card. These charges are fraudulent, and I request that they be investigated and reversed. 

Unfortunately, I was unable to review my account statements promptly during this period because I was seriously ill with XXXX and it was the holiday season. This delayed my awareness of the transactions and my ability to notify the bank in a timely manner. As soon as I noticed the unauthorized activity, I took immediate steps to address the matter. 

I submitted a dispute to my bank ; however, they denied my claim and did not have a valid reason to do so. As a result, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to intervene and help resolve this matter. 

To further support my dispute, I visited the XXXX Police XXXX and requested a report. Unfortunately, they informed me that unless the individual responsible for the transactions was explicitly identified, the issue must be addressed directly with the bank. 

I kindly ask the CFPB to assist in holding my bank accountable for addressing these unauthorized transactions appropriately. Please let me know if further information or documentation is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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