vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: OR

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 2025-01-20 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: CA

Complaint narrative:
I was charged illegal overdraft fees by Navy Federal Credit Union spanning the XXXX timeframe of the most recent class action suit. I have hundreds of transactions, but Im unable to pull the documents from the NFCU website. The checking has been removed due to an outstanding overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
There were amounts that were reversed and transferred to other accounts out of state I attempted to appeal with my bank which was chase at the time I loss the case and my account was locked out!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
I am filing this formal complaint to request immediate investigation and resolution regarding inaccuracies and fraudulent accounts on my credit report. Despite repeated efforts to resolve these issues through direct communication with the credit bureaus and creditors, the matter remains unresolved. The delays, now exceeding 65 days, are unreasonable and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Complaint Details Fraudulent Accounts The following accounts are fraudulent and must be deleted immediately : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX Inaccurate Reporting of Late Payments Several accounts incorrectly report late payments on XXXX while other bureaus reflect accurate information ( no late payments ). The inaccuracies are as follows : XXXX XXXX XXXX  : XXXX ( Never late ) XXXX XXXX : XXXX ( Never late ) XXXX  XXXX XXXX  : XXXX ( Paid in full, never late ) XXXX XXXX : XXXX ( Never late ) These discrepancies violate the FCRA provisions regarding accurate reporting of consumer information, causing significant harm to my creditworthiness and hindering my ability to pursue housing and financial opportunities.

Request for Immediate Action Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : I request that the fraudulent accounts identified above be blocked and deleted within 4 business days, as required by law, following the submission of appropriate documentation.

The credit bureaus must comply by notifying the furnishers of the information that an identity theft report has been filed, a block has been requested, and the effective dates of the block. 
Attached Documentation To support this complaint, I have included the following : Affidavit Proof of Identity ( ID ) Social Security Number ( SSN ) Supporting Bills Conclusion I urge the CFPB to expedite this process and ensure compliance with FCRA regulations by both the credit bureaus and creditors. The errors on my credit report are unjust and have caused undue harm. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective action to address my concerns.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Intent to sue for violation of FCRA and FDCPA I am writing to formally notify Transunion of my intent to sue for failing to conduct a legitimate investigation regarding disputed accounts on my credit report. Despite submitting police reports, FTC reports, Better Business Bureau reports, and Attorney General reports, Transunion has not removed the disputed accounts which violate my rights under the FCRA and FDCPA. 
CCBanking, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Under the FCRA, Transunion is required to conduct a thorough investigation into disputes and to correct inaccuracies on my credit report. Additionally, the FDCPA mandates that all collections practices must be fair and accurate. Transunion s failure to investigate these disputes adequately, constitutes a violation of both statues.

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 2025-01-20 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: MD

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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:
I am writing 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 finding indicate that Zelle has not only neglected to protect consumers but has also allow 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 2025-01-21 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:
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.

Didnt help me when I got scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 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 2025-01-20 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: TN

Complaint narrative:
I just recently looked at my credit report on XX/XX/year> from Experian, I saw I had some hard inquiries that did not have permissible purpose. According to the FCRA, credit reporting agencies and entities requesting /credit reports must have a permissible purpose to access or report on your credit file. Specifically, 15 USC 1681 ( b ) outlines the permissible purposes for obtaining a consumer report.

Key Points of the FCRA Regarding Inquiries : 1. Permissible Purpose : A hard inquiry can only be made if there is a legitimate reason, such as : Credit transactions initiated by you if the credit account is not open or approved, the inquiry should not remain if it does not result in a valid transaction or permissible purpose ( e.g., applying for a loan or credit card ).

Employment purposes ( with your written consent ). Court orders or subpoenas. Other lawful business needs initiated by you.

2. Unauthorized Inquiries : If a hard inquiry appears on your credit report without your consent or without a permissible purpose, it may be a violation of the FCRA. You have the right to dispute such inquiries and request their removal.

3. Reporting to the CFPB : When reporting to the Consumer Financial Protection Bureau ( CFPB ), include : A detailed explanation of the unauthorized inquiries.

Copies of your credit report showing the disputed inquiries. 
Any correspondence you have had with the entities responsible for the inquiries. 
I have attached the inquires and the dates below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these inquires due to the violation of 15 USC 1681b

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 2025-01-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed XXXX accounts were not reporting accurately. I had XXXX late payments on XXXX different accounts for the same lender, when I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late on payments Ive attached a copy of my report to this complaint on the following dates, XX/XX/year>, and XX/XX/year>. Im now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.

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 2025-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was paid rent through XXXX and the payer changed their mind and claimed fraud and was returned the money and I was out rent money for the month

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Customer Data Breach ( Case XXXX ) I have been impacted by Equifax ( ID Theft XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. 

My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Equifax received material, yet unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
XXXX XXXX Account # XXXX Balance : $ XXXX : XX/XX/XXXX XXXX XXXX/ Account # XXXX Balance : $ XXXX : XX/XX/XXXX I have found that Equifax has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which mandates that credit reporting agencies ensure the accuracy and integrity of the information they report. I am also concerned about the inadequate procedures your agency has followed regarding the investigation of disputes and the improper reinsertion of erroneous data, which has led to severe financial harm. 

As highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, which was filed for failure to properly address consumer complaints about inaccurate data, your agency 's handling of my disputes appears to violate key provisions of both the FCRA and the Consumer Financial Protection Act ( CFPA ), including failure to properly investigate disputes : Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable investigation into consumer disputes. The CFPB has alleged that Equifax, and likely other agencies, routinely engage in " sham investigations '' by accepting responses from furnishers without proper scrutiny.

I assert that my dispute has not been thoroughly investigated, and I have received ambiguous or incorrect responses regarding the accuracy of my financial data. The FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) prohibits credit reporting agencies from re-inserting information that was previously removed due to inaccuracies. Equifax has failed to implement adequate procedures that prevent the reinsertion of incorrect data, as noted in the CFPB 's allegations regarding Equifax. As a result, inaccurate information that I have disputed continues to appear on my credit report, negatively affecting my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: OH

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 NFCU for similar practices, where transactions were 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 2025-01-20 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: GA

Complaint narrative:
Heres a revised version of your message with a more formal and structured tone : To Whom It May Concern, I am writing to express my concerns about the fluctuations in my credit score despite maintaining a consistent credit history. Recently, I observed that my credit score decreased by XXXX points, even after I paid off my XXXX XXXX card, which had a balance of over {$1700.00}. This payment was made in full, yet there has been no positive reflection of this effort in my credit score.

Additionally, I conducted a single credit inquiry, and this action caused my score to drop significantly. It seems inconsistent and unfair that my hard work to keep my credit in good standing with all my creditors is not being accurately reflected. These fluctuations negatively impact how creditors, including loan officers, perceive my creditworthiness. I would like clarification on how such scoring practices ar
e legal and why my efforts to improve my financial standing do not result in appropriate updates to my credit score. Please provide detailed information on how these changes occur and the steps I can take to ensure my credit score accurately reflects my credit behavior.

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 2025-01-20 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: GA

Complaint narrative:
Heres a revised version of your message with a more formal and structured tone : To Whom It May Concern, I am writing to express my concerns about the fluctuations in my credit score despite maintaining a consistent credit history. Recently, I observed that my credit score decreased by XXXX points, even after I paid off my XXXX XXXX card, which had a balance of over {$1700.00}. This payment was made in full, yet there has been no positive reflection of this effort in my credit score. 

Additionally, I conducted a single credit inquiry, and this action caused my score to drop significantly. It seems inconsistent and unfair that my hard work to keep my credit in good standing with all my creditors is not being accurately reflected. These fluctuations negatively impact how creditors, including loan officers, perceive my creditworthiness. 

I would like clarification on how such scoring practices are legal and why my efforts to improve my financial standing do not result in appropriate updates to my credit score. Please provide detailed information on how these changes occur and the steps I can take to ensure my credit score accurately reflects my credit behavior.

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: FL

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I 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 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