vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: OH

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

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: Block, Inc.
State: SC

Complaint narrative:
I'm filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices which violates 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 regulations 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

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: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measures to prevent and protect 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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX XXXX continues to report their tradeline on my credit report for a mortgage I have had no ties to since XXXX as my ex husband has been fully responsible since our divorce. I filed bankruptcy to have all financial obligations removed from my responsibility. I have repeatedly disputed this tradeline and they refuse to remove it from my credit. They are the only creditor still reporting after my bankruptcy discharged. This is affecting my ability to purchase another home.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX XXXX continues to report their tradeline on my credit report for a mortgage I have had no ties to since XXXX as my ex husband has been fully responsible since our divorce. I filed bankruptcy to have all financial obligations removed from my responsibility. I have repeatedly disputed this tradeline and they refuse to remove it from my credit. They are the only creditor still reporting after my bankruptcy discharged. This is affecting my ability to purchase another home.

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: 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 violates 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: TX

Complaint narrative:
I am writing to file a complaint against the 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 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX

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: CA

Complaint narrative:
I am filling a complaint against cash app ( Block , inc ) due to an adequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures To prevent an address fraud on their platform leaving my account, vulnerable and unprotected furthermore, their dispute resolution was unfair and deceptive as they did not comply with error, resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulations. these actions have caused significant inconvenience and financial loss 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 transaction problem — 
Company: Block, Inc.
State: VA

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 of 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: 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:
Both XXXX and XXXX have removed the erroneous reporting ( see attached copy of my current credit reports including your company for proof ) of an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX but for some reason Experian removed it, then later re-added back on my credit report despite both XXXX and XXXX stating the accounts were not verifiable.

I have not seen any proof of the source of your information that you are reporting on my file and have claimed to verify even though my earlier Affidavit ( attached ) proved that I was a victim of the XXXX XXXX breach and a victim of identity theft. 
This situation is a prime example of the practices for which the Consumer Financial Protection Bureau ( CFPB ) is currently suing Experian in the U.S. District Court for the Central District of California XXXX XXXX XXXX XXXXXXXX, filed XX/XX/XXXX ). Experian 's continued reporting of inaccurate and unverifiable information, as well as its failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ), reflects the same misconduct alleged in this case. To further show that Experian is willfully attempting to violate the FCRA by not conducting investigations and attempt to confuse and fraud consumers I have attached the Experian Dispute responses that I was provided by Experian regarding these disputed accounts. In the Dispute Report # XXXX dated XX/XX/XXXX ( attached ) ; Experian DOES NOT list any of the Creditor/Vendor information or Acct numbers for any of the accounts or Inquiries that they deleted. But if you look on both of the Dispute Reports # XXXX and XXXX XXXX where they added the accounts back on, they expose their attempts at confusion and fraud by adding the removed accounts back on. In the Disputed Accounts section on both they do not include the Creditor/Vendor information or Acct number, while putting the status as updated. Yet under the Potentially Negative Accounts section, on pages XXXX and, where they are showing what is on the account once again, they have the full account information. I therefore request that you immediately remove the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report with Experian immediately. I have attached my Experian credit reports from before the original dispute showing it on, my Experian report showing it off, then my current Experian report showing it back on. I've also attached my current XXXX report showing it removed. Also attached are the Experian dispute results.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are fraudulent items on my credit report that I did not authorize or benefit from, and their presence is not only insulting but a violation of my rights. This situation has been deeply distressing, tarnishing my reputation and causing significant emotional strain. Despite filing a report with the Federal Trade Commission to address this matter, these fraudulent entries still persist on my credit report. Its disheartening that the very systems designed to protect consumers like me have failed to resolve this issue.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Money was sent and was not able to confirm or receive money back

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Taking money from my account and shutting it down.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Equifaxs Non-Compliance with FCRA 605B and 611 Dear CFPB Representative, I am submitting this formal complaint against Equifax Information Services LLC for failing to comply with the Fair Credit Reporting Act ( FCRA ) in addressing fraudulent accounts on my credit report. Despite notifying Equifax of identity theft and disputing specific accounts as fraudulent, they have failed to provide the required documentation or evidence to justify the continued reporting of these accounts, in violation of FCRA regulations. 



Background Information : I previously submitted a dispute to Equifax regarding the following accounts, which were opened fraudulently without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX Equifax informed me that the furnishers of these accounts claimed they were valid. However, Equifax has not provided me with any documentation or evidence from the furnishers to substantiate these claims, as required under : 1. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Mandates that consumers receive all relevant details concerning the investigation, including any documentation submitted by furnishers.

2. FCRA 611 ( b ) : Requires Equifax to provide any information submitted by the furnishers during the dispute investigation.

Additionally, under FCRA 605B ( c ), Equifax must promptly delete or suppress fraudulent accounts if no evidence substantiates their validity. Despite this legal requirement, these fraudulent accounts remain on my credit report, causing financial harm. 


Reinvestigation Request ( XX/XX/year> ) : Following Equifaxs initial inaction, I sent a formal reinvestigation request to Equifax XXXX at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX via XXXX. The reinvestigation request included : A demand for Proof of Furnisher Evidence as required under FCRA 605B, asking Equifax to provide documentation proving the legitimacy of the disputed accounts.

A request for immediate removal of the fraudulent accounts if sufficient evidence was not available. 



According to XXXX tracking records, this correspondence was delivered on XX/XX/year>, at XXXX am, and was signed for by XXXX XXXX. To date, I have received no response or resolution from Equifax. 


Thank you for your time and assistance in resolving this matter. I trust that the CFPB will hold Equifax accountable for their failure to comply with consumer protection laws and ensure the removal of these fraudulent accounts from my credit file. Should you require additional details or documentation, I am happy to provide them.

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: Early Warning Services, LLC
State: NJ

Complaint narrative:
In light of Zelle 's services, I am submitting a complaint. Several transactions made with Zelle were improperly contested. Between Zelle and my financial institution, none of my files were thoroughly looked at. Other than being notified that money were being reversed, I was not given enough information. I feel so exposed. According to the CFPB 's findings, Zelle has not only failed to safeguard its clients but has also permitted repeat criminals to take advantage of the system. Consumer safety is being threatened by this intolerable lack of customer empathy.

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: NY

Complaint narrative:
Tram 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 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: TX

Complaint narrative:
I am writing to dispute the inquiries listed on my consumer credit report, which are a result of identity theft and any fraudulent inquiries. I request verifiable proof, including my signature or electronic signature, for any such actions. I did not authorize these inquiries, and they violate my consumer rights under the Fair Credit Reporting Act, Section 605B, which pertains to the blocking of information due to identity theft [ 15 U.S.C. 1681c-2 ], and Section 604, which outlines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. I have contacted the relevant companies and discovered that these actions were initiated without proper validation or original proof from any of the reporting entities. Since I never authorized these inquiries, they are fraudulent and likely the result of identity theft or the illegal reporting of my information by creditors or third-party data furnishers.

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