vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: Early Warning Services, LLC
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 complywith 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 2025-01-23 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: OR

Complaint narrative:
I have had cash app account for many years since XXXX I believe and have questioned fraudulent charges to my account many times with no real response, lots of charges related to auto pay ie XXXX charges and many other charges I never agreed to take out of my account... I don't have XXXX products at all or any other charges from foreign distributors etc. I have multiple accounts on cash app so my social security number would be needed to look into my accounts...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted from Transunion. Please delete the go accounts. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX  I had requested that my addresses be updated, I even had the chance to speak to an agent and my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
Repossession took place without prior resolution mail or phone call to inform me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MS

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company 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 2025-01-23 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: MO

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 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
Awhile back someone scammed me on a social media platform and asked me to send them money and said that they wanted to meet up and never happened and took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> I spoke with several representatives from fifth third bank wisely prepaid card services requesting my payroll fund to be released to me and was told they will not release the funds and I would have to wait 7 days to receive a new card to be able to access my funds I requested for my funds to be able to transfer or have the funds wired to me while I wait for the card I was told they could not and I would have to wait I have never been told I needed to wait for my hard earned money from a situation not cause by me wisely stated their appeared to be fraudulent active on my card they shut the card down with out informing me. after me trying to use the card at a atm I called and was told I may not have my funds that my employer direct deposited to there account until they send me a new card that would take 7-10 days this company refused to give me my funds I have never had to wait to receive my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
According to FCRA Section 605B ( a ), credit reporting agencies are obligated to promptly remove any information flagged by consumers as linked to erronoeus activity, ensuring action within four business days from receipt of such notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
I am writing to formally request an investigation into an unauthorized hard inquiry on my Equifax credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/XXXX Creditor/ Company name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Creditor/ Company name : XXXX XXXXXXXX XXXX XXXX XXXX I contacted who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore I must request your help in resolving this matter, in accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me the updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The open date ( XX/XX/XXXX ) and last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are inconsistent and inaccurate, violating the standard of maximum possible accuracy mandated by 15 USC 1681e ( b ). 

Additionally, remarks such as Account Closed By XXXX XXXX and Unpaid Balance Reported As A Loss By XXXX XXXX conflict, further demonstrating the accounts inaccurate reporting. 

The account appears to be reported multiple times with conflicting details, including terms count, months reviewed, and payment history, which may lead to unfair reporting and double-counting of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was informed that capital one was not paying out the correct interest on my interest savings account I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX sent out disputes for verification of debt. They were unable to verify information I requested 4x including The Amount of the Alleged Debt : Please provide a full accounting of the amount you claim I owe, including the original principal amount, any interest accrued, fees, and any other charges added to the debt.

Original Creditor Information : Please provide the name and address of the original creditor, as well as any account numbers or reference numbers that they may have assigned to the debt.

Evidence of the Debt : Provide a copy of the original signed contract, agreement, or any documentation showing that I am legally obligated to repay the debt. This should include a full breakdown of terms such as interest rates, fees, payment schedule, and the date the debt was incurred.

Account History : A detailed history of the debt, showing all payments made to date, any credits applied, and how the balance has increased ( if applicable ). Please also indicate whether any part of the debt has been written off or discharged.

Proof of Assignment or Ownership of the Debt : If you are not the original creditor, please provide the documentation that shows you are authorized to collect on this debt. This may include a copy of the assignment agreement, purchase agreement, or a detailed explanation of the transfer of ownership from the original creditor to your company. 
Information Regarding Any Legal Action : If there has been any legal action taken in relation to this debt ( e.g., a judgment or lawsuit ), please provide copies of the court documents, including any judgments entered in this matter. 
Validation of Interest and Fees : If the debt includes interest, late fees, or other charges, please explain how these amounts were calculated and provide a breakdown of each charge, including the dates they were added to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt.

A signed agreement where I explicitly agreed to pay the creditor.

Details of any insurance claims filed by the creditor regarding this account.

Documentation of any judgments obtained by the creditor related to this account.

The name and address of the alleged creditor.

The name associated with the alleged debtor.

The alleged account number.

The address on file for the alleged debtor.

The total amount of the alleged debt.

The date the alleged debt became payable.

The date of the original charge-off or delinquency.

Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided. Additionally, XXXX XXXX XXXX XXXXXXXX manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. '' After this information was confirmed to be fraudulent, XXXX XXXX XXXX XXXXXXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information.

Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXX XXXX XXXX XXXXXXXX is obligated to delete the account and any related connections to my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
Navy federal charged {$25.00} per transaction in overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation