vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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 in 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 2025-01-21 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: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

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 2025-01-21 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:
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 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 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or around XX/XX/year>, Experian failed to accurately report information to my credit report. I request that the CFPB investigate this matter and take appropriate action to ensure the accuracy of 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 2025-01-21 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: TN

Complaint narrative:
The trade line entry for XXXX was recently disputed because it was showing the current account status as being a charge off with a balance and reported activity after the account was paid. Although they did remove the balance, they did not correct the current active status of the account which still shows that its in a charged off status. This account is not charged off and should not be reported as such. I think its ridiculous that someone can provide be a certified mail documents directly from the creditor indicating that this account is not charged off and has XXXX balance and yet you decide to ignore such documentation and not provide a proper investigation as outlined by the fair credit reporting act.

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to express my profound concern and dissatisfaction regarding the data breach that occurred at American Express which compromised the personal information of millions, including myself. 

As a consumer, I trusted AMEX to securely handle my sensitive information. However, the breach has exposed me to potential risks, including identity theft and financial fraud. Disturbingly, I have discovered that my information is now circulating on the dark web, exacerbating my fears of misuse. 

This situation has significantly affected my mental well-being, causing considerable stress and anxiety over the potential misuse of my personal data. The uncertainty and vulnerability I feel are deeply unsettling, impacting both my personal and financial security. 

Given these circumstances, I request that AMEX provide clear information on the steps being taken to prevent such breaches in the future, as well as the measures in place to protect affected individuals. I also seek guidance on how to monitor my credit and protect myself from any misuse of my personal data. 

Furthermore, I urge AMEX to offer free credit monitoring services and identity theft protection for an extended period, ensuring that affected consumers like me are safeguarded against any long-term impacts. 

I look forward to your prompt response addressing these concerns and outlining the actions AMEX is taking to rectify this situation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient 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 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
The company claim damage that was caused by them. The ripped up carpet 4 times to fix floor. I moved out so they could fix floor and charged me {$700.00} for new carpet. I am filing a lawsuit against them and I dispute this charge XXXX didnt even investigate it.. just agreed with them. I have emails from the apartment about the floor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax, XXXX, or XXXX ) ] [ Address of the CRA ] Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Dear [ CRA Name ], I am writing to formally dispute inaccurate, unverifiable, and unauthorized items on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have recently discovered several items on my credit profile that are inaccurate, unauthorized, and negatively impacting my creditworthiness. Additionally, my account was affected by the Equifax data breach, which raises further concerns about unauthorized activity and improper reporting. I demand an immediate investigation and removal of the following items : XXXX. Collections and Charge-Offs Remove any unverifiable or inaccurate accounts from XXXX XXXX XXXX XXXX XXXX which may be misrepresenting my financial obligations.

2. Hard Inquiries and Closed Accounts I did not authorize the following hard inquiries or closed accounts and demand their immediate removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to the Equifax data breach, my sensitive information was compromised, which may have led to unauthorized inquiries or accounts being opened. Any accounts that can not be 100 % verified must be removed.

Legal Basis for My Dispute : Under FCRA Section 609, I am entitled to request all documentation that supports the accuracy of the accounts and inquiries listed above. Additionally, under FCRA Section 611, any unverifiable, incomplete, or inaccurate information must be deleted from my credit report promptly. Failure to comply with these federal requirements may result in further legal action. 

Requested Actions : Remove all inaccurate, unverifiable, or unauthorized items listed above from my credit report. 
Provide documentation verifying the legitimacy of the disputed accounts or inquiries. 
Send me a revised credit report reflecting these changes. 
Please consider this letter as a formal warning that failure to resolve these issues in a timely manner will leave me with no choice but to escalate the matter, including legal action. 

I expect a response within 30 days as required by the FCRA. If you need further information, feel free to contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information in credit report Dear Equifax, I am writing to dispute the following information on my credit report. The item I am disputing are marked and highlighted on the attached copy of my report. These items are Inaccurate and are damaging my credit profile. 

Disputed Items : XXXXXXXX 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 According to the credit reporting act, ( FCRA ) specifically 15 US code , 1681i, I Have the right to dispute inaccurate Information and request that a reasonable investigation is conducted. I have previously dispute these items, and they have come back as verified without proper evidence provided.

Specifically, I referred to the following subsections :. ( a ) ( 1 ) : Reinvestigation required. ( a ) ( 6 ) : Notice of results of Reinvestigation. ( a ) ( 7 ) : description of reinvestigation procedure I request that you investigate these items again and provide me with the following : 1. A detailed explanation of how the investigation was conducted as subsection ( a ) ( 7 ) 2. The contract information of the furnisher off the information as per subsection ( a ) ( 1 ).

3. Evidence from the furnisher that verifies the accuracy of the information as subsection ( a ) ( 1 ).

If the information can be verified, I request that these items be removed from my credit report, according to subsection ( a ) ( 5 ).

Please consider this letter as a form of dispute and correct these in accuracy promptly.

Thank you for your prompt attention to this matter Sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
FCRA Section 605B of the Fair Credit Reporting Act ( FCRA ) allows victims of identity theft to request that credit bureaus block fraudulent information from their credit reports.

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX bankruptcy XXXX Filed on XX/XX/year> Reference number : 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 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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I recei
ved from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-01-21 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: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
I have filed several police report and FTC report showing I haven't been to XXXX XXXX XXXX XXXX XXXX, I lived out of the country for 7 years from XXXX XXXX XXXX XXXX fairway capital recovery always reports and tries to collect money on a fraud medical collection and they know I haven't been in the country, this is the 4 collection they have tried to collection and stated to me in XXXX they would never hold or try to collection on any medical collection against due to they know I don't live in US. I have now filed legal actions with my attorney XXXX XXXX XXXX XXXX  and now he has reported fairway capital recovery the NC insurance commissor for having knowledge of several accounts with medical this company is trying to collect and trying to due finiacial ruins.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Call to paid the balance send a cashier check the got the cashier check the charge the cashier check now there telling me a owe another amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
XXXX XXXX  is not reflecting paid off balance.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX  is not reflecting paid off balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
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.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation