vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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 Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 2025-01-18 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: MI

Complaint narrative:
** [ XXXX XXXX XXXX ] ** XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX **Experian Dispute Department** po box XXXX XXXX, TX XXXX XXXX : ** Formal Dispute of Inaccurate Information on My Credit Report Dear Experian XXXX Department , I am writing to formally dispute inaccurate information on my credit report, which remains unresolved despite my previous efforts to address this issue. The inaccurate information is as follows : 1. Office XXXX XXXXt Account Number XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX Account Number XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes and ensure the accuracy of the information you report. Despite my past communications, the errors persist, which causes significant harm to my credit profile and financial standing. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly address consumer disputes and for inaccurate reporting. This case underscores your responsibility to ensure disputes are handled promptly and accurately. I expect my dispute to be investigated thoroughly and resolved in compliance with the law. 

To assist in your investigation, I have included the following : - A copy of my credit report with the disputed information highlighted. 
- Supporting documentation ( e.g., payment records, correspondence with creditors ). 
- A copy of my government-issued ID and proof of address for identity verification. 

I request that you : XXXX. Investigate this matter fully and correct the inaccurate information on my credit report. 
XXXX. Provide me with the results of your investigation in writing. 
XXXX. XXXX me with an updated copy of my credit report reflecting the corrections. 

If this issue is not resolved promptly, I may escalate the matter further, including filing a complaint with the CFPB or pursuing legal action to protect my rights under the FCRA. 

Please respond to this dispute within the 30-day time frame required by law. 

Sincerely, XXXX XXXX XXXX -- - Delete this in inaccurate information

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorcugh investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I was a customer of Prosper who notified me via mail on XX/XX/year> that they had not only charged-off : {$2200.00} worth of debt as of XX/XX/year> but also that the debt was then sold to XXXX XXXX XXXX XXXX XXXX. This is an entity that I have had no interaction with nor have I knowingly or willingly gone into contract with them. 

However, they are now fraudulently claiming that I am indebted to them as a result of an elected and unlawful purchase of my private information from Prosper. 

Prosper violated my rights by selling my information to a third party while claiming a loss, but making a profit off of the sell of my information.

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 2025-01-18 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 the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ana 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 2025-01-18 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: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a federal investigation. This practice violates the Fair Credit Report Act ( FCRA ) XXXX XXXX, which mandates a reasonable investigation disputes.Furthermore, Equifaxs XXXX XXXX also contravene the consumer financial protection act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB administrative proceeding ( XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complied with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-18 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: World Acceptance Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Reporting as Debt # XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the reporting of a charge-off ' associated with the above- referenced debt on my consumer report. Upon reviewing the account history and publicly available records, I believe there to be lack of full disclosure via fraudulent concealment which may have aided in an unjust enrichment.

This transfer of ownership to the trust and selling of the securities raises several concerns regarding the accuracy and legitimacy of the reported charge-off '.

Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to finance hinderance in my life Specifically, I am disputing the following : 1. Accuracy of Charge-Off Reporting : If my promissory note was securitized this means off - balance - sheet book keeping occurred which may have derecognized XXXX XXXX XXXX XXXX liabilities , removed them from their books and transferred them to XXXX XXXX XXXX XXXX who then sold them for profit. So, writing it off as a bad debt/lost and reporting it as a charge off is false reporting, fraud, and embezzlement.Validation of Debt : I request detailed, debt-level documentation proving XXXX XXXX XXXX XXXX retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to XXXX XXXX XXXX XXXX evidence of the debts transfer, the balance at the time of transfer, and any agreements validating XXXX XXXX XXXX XXXX continued reporting authority for this debt.

Potential Double Recovery/Unjust enrichment : If the debt was securitized and sold, XXXX XXXX XXXX XXXXXXXX may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off is false and mislead. I request that you investigate this matter thoroughly and provide a written response within 14 Days from receipt of this notice. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX. Failure to address this dispute accurately and promptly will result in additional action in pursuing remedy.

Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particular in the light of the recent CFPB. lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institute Zelle fail 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 it has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving userss 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 2025-01-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **TransUnion Consumer Solutions** XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Formal Dispute of Inaccurate Information and Failure to Conduct a Thorough Investigation Dear TransUnion Dispute Department , I am writing to express my concerns and formally dispute your handling of inaccurate information on my credit report. Despite submitting a dispute regarding the following account ( s ), the investigation conducted was inadequate, and the inaccurate information remains unresolved : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a **reasonable reinvestigation** of any disputed information in a consumer 's file to determine its accuracy. However, I believe that the investigation you conducted did not satisfy this requirement. Specifically : 1. You failed to provide a thorough review of the evidence I submitted to support my dispute.

2. You relied solely on the furnishers response without fully considering relevant documentation or other available information.

3. The outcome of your investigation did not adequately address the inaccuracies I reported.

These failures are not only harmful to my credit profile but also violate your legal responsibilities under the FCRA. I have enclosed the following documents to support my case : - A copy of my credit report with the disputed information highlighted.

- Supporting documentation ( e.g., payment records, correspondence with creditors ).

- A copy of my government-issued ID and proof of address.

I request that you : 1. Reopen and thoroughly reinvestigate my dispute, ensuring compliance with FCRA standards.

2. Provide me with a detailed written explanation of the steps you take during the reinvestigation.

3. Correct or delete any information found to be inaccurate, incomplete, or unverifiable.

4. Send me an updated copy of my credit report reflecting the corrections. 

If my concerns are not addressed promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities or pursue legal remedies to protect my rights under the FCRA.

I expect your written response within the 30-day period required by law. Thank you for your attention to this matter, and I look forward to a resolution. 

Sincerely, 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 2025-01-18 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: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle. There has been times I sent money to the wrong person and never got my money back when Zelle first started out. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me endless times that I cant recover any lost funds and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 proceeds 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 2025-01-18 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: IN

Complaint narrative:
I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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. Furthemore, 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 2025-01-18 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:
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 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft from the data breach

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 2025-01-18 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:
TransUnion has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation into disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian, citing systemic failures such as neglecting to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These issues mirror my own experience, where TransUnion has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts in compliance with federal law and uphold my consumer rights. Details regarding the disputed accounts are included in the PDFs I am submitting with this correspondence. 

Additionally, XXXX XXXX XXXX provided me with a month-to-month contract at {$32.00} per month. This does not align with the debt of {$830.00} per month that appears on my report for a gym membership. Furthermore, in 2020, gyms in California were closed due to XXXX restrictions, making this debt claim even more questionable.

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