vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-01-31 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: GA

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 2025-01-31 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: MI

Complaint narrative:
TransUnion was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX XXXX. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXXXXXX. They refused to investigate that file for 2 years even while being requested to do so. Recently they have been provided documents probing illegal modification of personal file and have denied investigation even while this conflicting information invalidates the file

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 2025-01-31 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: MI

Complaint narrative:
XXXX was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and XXXX admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXX They refused to investigate that file for 2 years even while being requested to do so. Recently they have been provided documents probing illegal modification of personal file and have denied investigation even while this conflicting information invalidates the file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MA

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 has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CO

Complaint narrative:
In XX/XX/year>, I had taken a vacation to XXXX XXXX. During the midnight hours of XX/XX/XXXX I was mugged, beaten and robbed. 

The muggers knocked me unconscious, then stole my phone and wallet. They accessed the apps on my phone and stole {$500.00} from my XXXX account and stole {$1200.00} from my CashApp account. They also used my credit cards the next morning. 

The next afternoon, I filed a report with the XXXX XXXX police department and purchased a new phone. I then called my credit card companies to cancel the cards and reverse the fraudulent charges. 

I was unaware that they had accessed the apps on my phone until XX/XX/XXXX. That's when I downloaded the CashApp app to my new phone to transfer some money to my cousin. 

I saw that my accounts had been emptied and I immediately called both XXXX and CashApp to dispute the transactions. 

Since then I have tried repeatedly to have CashApp help me get these transactions reversed, but they have denied my claim each time. Their reasoning being that I had a XXXX XXXX code that authorized the transaction. This is untrue. I have never had a security lock code that was required to perform a transaction on CashApp. 

I have requested to speak with someone regarding this claim but they state that there is no one in that department that will call me or reach out to me. Each time I file a claim, they send me XXXX email stating that the claim is denied based on a XXXX XXXX authorization and the matter is closed. I repeat, I have never had a security lock on the app. Even when I downloaded the app on my new phone, it asked if I would like to use the feature. It didn't prompt me to enter in my XXXX XXXX code. 

I have reached out to them XXXX times over the past XXXX months and they have shown nothing but indifference to my situation and I feel so helpless. 

( I want to point out that both credit cards and XXXX have all reversed the unauthorized transactions. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: UT

Complaint narrative:
Today, XX/XX/year> I made a second payment to global lending of {$270.00} or {$.00} actually the first payment that Ive made after not being able to make payments due to income lowering I was told that I could make a payment of XXXX and have a repossession of my vehicle removed was not told that I had to pay at XXXX. Do you have that done so when I went to go talk to the bank again and theyre having the tow people or the repossession people Coming and driving up and down my road trying to be repossessed my car I was told that I had to make the XXXX which made my payments even later and longer than before, and they would not allow me to make the XXXX XXXX  payment to kind of make up for that. I get paid once a month I make 40 hours a week or 40 hours a month and so I dont get paid much and they are not willing to work with me on changing my payment dates theyre not willing to work with me on making any sort of payment plan on my my Past due payments which I guess is four months behind. I am willing to work with them. They are not willing to work with me. I have talked to many many many people and the person that I talked to today at global lending was very rude and I cant get to anybody else to talk to you about this. Im willing to do what I can and Ive told them everything that I can do theyre not willing to work with me. I dont know what to do. They still have the repossession on my vehicle. They have not taken it yet, but the repossession still stands I would like to have the repossession removed on my vehicle so I can work to make these payments because Im willing to work with the company. Theyre not willing to work with me. Theyre not willing to and I even received a letter on this consumer reporting that global lending is willing to setup payments or set up payment plans with you on past payments that are due or late, but everybody Ive talked to said that I am not able to do that or even extend my loan a little bit everybody Ive talked to global has told me that that is not possible for me to do That is all Im asking. I need to keep my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services LLC Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : FORMAL DISPUTE DEMAND REMOVAL OF UNAUTHORIZED & FUTURE-DATED INQUIRIES To Whom It May Concern : I dispute the following inquiries on my Equifax credit report as unauthorized, inaccurate, or future-dated, violating the Fair Credit Reporting Act ( FCRA 604 and 607 ) and Texas Finance Code 392 : XXXX XX/XX/XXXX Violation : Future-dated ( XX/XX/XXXX ) inquiry. 

XXXX XXXXXX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XX/XX/XXXX Violation : Future-dated inquiry. 

XXXX XX/XX/XXXX Violation : No permissible purpose ; I did not authorize this inquiry. 

XXXX XX/XX/XXXX & XX/XX/XXXX Violation : Unauthorized access. 

XXXX XX/XX/XXXX Violation : Unauthorized access. 

Legal Demands : Immediately delete all listed inquiries.

Investigate and confirm deletion in writing within 30 days.

Provide a revised credit report post-deletion.

Failure to comply will result in : A complaint to the CFPB and Texas Attorney General for violating FCRA 616 and Texas DTPA.

Legal action for statutory damages ( up to {$3500.00} per violation ).

Enclosed : Credit report excerpts highlighting disputed inquiries. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have the American Express XXXX XXXX, and one of the benefits is a {$200.00} XXXX credit. After calling up an Amex Representative I was notified that in order to be eligible for this credit, the shipping date would need to before XX/XX/XXXX. I placed an order on XX/XX/XXXX, and I got it shipped the same day, my transaction ended up posting later, and now I am calling Amex to have this looked into and they are not helping me on this. I need this {$200.00} credit to be posted as promised from the year before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
XXXX XXXX, XXXX. and its debt collector, Gurstel Law Firm, P.C., are attempting to collect and report a debt without proper validation, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I requested full validation of the alleged debt, including a signed contract, proof of assignment, and a complete, itemized accounting of all transactions on both sides of the ledger ( charges and payments ). They failed to provide these documents and instead sent only credit card statements and a generic, unsigned agreement, which do not establish liability or show how the alleged balance was calculated.

Despite failing to validate the debt, they have continued collection efforts and reported the debt to credit bureaus, violating my rights under : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate, unverified information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) Failing to conduct a reasonable investigation after a dispute.

15 U.S.C. 1681g Failing to provide a full and accurate disclosure of account information, including a complete ledger of all charges and payments.

15 U.S.C. 1692g ( b ) Continuing collection without verifying the debt.

15 U.S.C. 1692e ( 10 ) Using deceptive means to collect a debt.

Additionally, they have filed a lawsuit against me claiming breach of contract but have not provided any signed contract to support their claim, further proving their lack of standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested to CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, 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

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 2025-01-31 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested to CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate, 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

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently received a notification from Bank of America that the credit limit on my XXXX Credit Card that ends in XXXX had been decreased from {$24000.00} to {$12000.00}, where my actual balance is above {$11000.00}. I was trying to get a fair explanation about this, and all the departments I got in touch with said they can not do anything about it. As a Customer of this institution for more than 15 years, having that credit card since the beginning as a customer, I feel really frustrated, abused and abandoned from my bank; considering they know my financial status and how much this can affect my credit score. Last year, after having an issue with an electric car that I purchased and it was financed by Bank of America, I decided to go with the Lemon Law requesting the refund of that car ; Bank of America resolved with the paid off, one month later my credit score was decreased for more than XXXX points. I just checked my credit score and it decreased XXXX points because the last decision they made with my credit card limit ( actual XXXX is XXXX ). I started XXXX with a Credit Score over XXXX points, What is Bank of America doing with my financial health? Are they trying to kill my small business?. My business was affected two years ago ( XX/XX/XXXX ) by a Customer that never paid our services ( around {$50000.00} ) and I couldn't demonstrate the missing payment because missing documentation. I can understand that after that happened, my credit utilization has been increasing, but Our business has been trying to survive regardless the affected economy we had in the last two years, so my personal credit has been helping my business to stay and not fall. Last year, I did many attempts to get a Line of Credit ( such as Home Equity or Business Credit ) but Bank of America asked me for over XXXX on my credit score, the same one they affected with the car loan paid off on XX/XX/XXXX. After that, I tried multiple financial institutions to get the same credit ( they did not ask me for the XXXX ) but all of them responded that my income to debt ratio was too high. With all of that said, I've been working on improving my credit score and trying to consolidate my debt to get my finances back to where they used to be ; however, BANK OF AMERICA has done everything to take me to the bottom of the hole.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services ( CCS ) on my credit report. However, I do not recognize this debt, and CCS has not provided any information about the original creditor or type of debt. 

Account Opened : XX/XX/XXXX Balance : {$310.00} Reported as of : XX/XX/XXXX Status : Placed for collection I have disputed this debt with CCS and the credit bureaus, but they continue to report it without proper validation.

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request written verification of the debt, including : 1. The name of the original creditor 2. A full payment history and breakdown of how the amount was calculated 3. Proof that CCS has the legal right to collect this debt I formally requested this information from CCS, but they failed to provide proper validation and continue to report this account. This unverified debt is negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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.

Company response to consumer: Closed with explanation