vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report, which was provided to me by Experian. I have previously submitted disputes regarding these items, yet they continue to appear as incorrect on my report, despite the clear evidence that the information is inaccurate. 

Specifically, the information I am disputing includes [ describe the specific items or accounts on your credit report that are inaccurateinclude account numbers or other identifying details ]. Despite my attempts to resolve this, these items remain unresolved and continue to affect my credit score and financial reputation. 

I would also like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging that the company failed to properly investigate and address consumer disputes. This lawsuit highlights ongoing issues with Experians handling of credit report disputes, including instances of failure to investigate, inaccurate reporting, and delayed responses. 

As part of the lawsuit, the CFPB outlined that Experian, like other credit reporting agencies, has a responsibility under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and complete information on consumers ' credit reports. The failure to properly investigate disputed information, as I am experiencing, is a violation of those requirements. 

I request that you immediately : Investigate the disputed information as required under the FCRA. 
Correct or remove any inaccurate items from my credit report. 
Provide me with a written response detailing the outcome of your investigation and any actions taken. 
Please provide confirmation of the resolution of this matter within 30 days, as required by law. If these inaccuracies are not corrected within the specified timeframe, I will be forced to pursue further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I expect this dispute to be handled thoroughly and in compliance with all applicable regulations. 

Sincerely, 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 2025-01-21 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under XXXX XXXX CXXXXe XXXX, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness. 
Truth in Lending Act ( TILA ) Violations According to XXXX XXXX CXXXXe XXXX, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and Errors Noted Across the Credit Bureaus Account Information Account Number : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : 79 Months Account Type : Auto Loan Discrepancies Across Credit Bureaus XXXX XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
Equifax : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " Current. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections. 
An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX

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: NY

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 XXXX 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: 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 in regards to Zelles handling of disputes. Particularly in regards to 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 throughly investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a purchase on Amazon on XX/XX/XXXX for the amount of {$1500.00}. It was different from what was shown based off the picture on box. Package remain unopened. I contacted Amazon to request a return. Amazon then put me through a third party vendor who then send me a return label by email. I follow their instructions and place label on box and leave on step XX/XX/XXXX. They email me on XX/XX/XXXX and asked for me to confirm that package was picked up and they got an email from usps stating it was picked up. I confirm it was picked up. I then asked about my return and they claim when item is received then they will issue. I then asked for a date and they said it will be delivered to them XXXX  XX/XX/XXXX. On XX/XX/XXXX I reached out again and asked for an update and was told it now be deliver on XX/XX/XXXX. I got tired of hearing tomorrow over the next few phone conversation so I decided to dispute this charge. After I opened the dispute Amazon prime customer service could no longer help me because of the open dispute with credit card. I explain to the credit card my issue and even provided proof of the conversation from the Vendor and I. I provided proof that the vendor acknowledge it was picked up and was reading a tracking for most of the conversation saying its expected tomorrow. I keep calling uploading information for the credit card company to help the dispute. On XX/XX/XXXX when I got an email it was closed but no details why, I then called Amazon credit card to inquire. I was told the vendor respond they never received the item and it was closed. I was disappointed because I have shown proof that it was in transit and vendor confirm it in email communication. They have my money and the tank and I don't know what to do. Amazon keeps closing al A-Z claim saying vendor stated it was never sent back. I need guidance because its a lot of money which now has interest and no one is helping me.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed unauthorized/fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX... XX/XX/XXXXL, Inquiry Date : XX/XX/XXXX ... XX/XX/XXXXXXXX XX/XX/XXXX Inquiry Date : XX/XX/XXXX ... XX/XX/XXXX, Inquiry Date : XX/XX/XXXX... XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ... XX/XX/XXXX, Inquiry Date : XX/XX/XXXX ... XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX .... XXXX XXXX, Inquiry Date : XX/XX/XXXX...XX/XX/XXXX Inquiry Date XXXX XX/XX/XXXX ..XX/XX/XXXX Inquiry Date : XX/XX/XXXX... XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX. I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Furthermore, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App. numerous times and reporting discrepancies, my financial institution and Cash App 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 Cash App has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: CA

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 ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 42. 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 2025-01-21 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: NV

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : [ XXXX ] Account Number : [ XXXX ]

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: LA

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 and 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXXXXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year>2024 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
The debt collector on my credit report credence resource management and XX/XX/XXXX does not have the right to collect in the state of Mississippi per NMLS website. I would like these accounts to be removed from credit report.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

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 ( 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 XXXX 's inaction violates federal law and my rights as a consumer.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found a complaint against Equifax for fail to property investigate my dispute regarding inaccurate and my credit report despite my submission Equifax response within 24 hours stating the account was accurate without providing any evidence to investigation this practice violates the fair credit reporting act FCRA 15 USC 1681I which mandated a reasonable investigation of disputes furthermore, Equifax action may also contravene the Customer financial protection act CFPA, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding ( files no. XXXX ) against them for similar violations I requested the CFPB take action to ensure Equifax complies with federal law and provide customers with the necessary proof of investigation these the accounts that havent been removed XXXX NC, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX,

Company response to consumer: Closed with non-monetary relief