vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: NY

Complaint narrative:
I am writing to file a complaint against Equifax for failing to comply with the fair credit reporting act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681i ( 5 ) and 1681c ( c ).

Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigation or correct errors as mandated by law. 

on XXXX and XX/XX/XXXX ( XXXX Complaint ) I sent disputes to EQUIFAX regarding MY XXXX XXXX account ending in XXXX. I provided detailed evidence supporting my disputes, yet Equifax Either failed to respond adequately or continued reporting incorrect information. This failure has caused more harm to my credit score, impacting my ability to secure credit for a much-needed emergency as well as my daily life. 

The recent CFPB enforcement action ( CFPB orders Equifax to pay {$15.00} Million for improper investigations of credit reporting Errors, ( XX/XX/XXXX ) demonstrates a pattern of non-compliance by Equifax. My experience aligns with the improper practices highlighted in this lawsuit, including a lack of diligence in investigating consumer disputes. 
Equifax 's actions violate the following FCRA provisions : 15 USC 1681E ( b ) ; Failure to ensure the accuracy of consumer reports 15 USC 1681s-2 : Neglect of duty to prevent and correct inaccuracies 15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information 15 USC 1681c ( c ) : continued reporting of outdated information In addition, I recently reviewed my Equifax report live with a representative on the phone and pointed to multiple incorrect marks on my payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Proving Equifax is aware of incorrect information harming my report yet still fails to remove such marks and continues to report them specifically, the illegal practice of re-aging an account to extend the statute of limitation " Account re-aging generally refers to an old practice when some lenders or collection agencies would change the date when an account first went delinquent to keep it on your credit report longer. However, this practice is illegal '' as attached in supporting documents My account ( XXXX XXXX XXXX XXXX XXXX repeatedly adding the XXXX ( charge off ) for 7 months representing as a recent charge off That is illegal and should've been caught and removed upon a reinvestigation by Equifax in addition to the above VIOLATIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), Genesis credit management LLC has violated my rights.


Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy. 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) further states that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan improperly or for unauthorized purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-19 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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 infeasible. The CPFBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving its users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
I disputed fraudulent accounts and inaccurate payment statuses on my TransUnion credit report, supported by an FTC Identity Theft Report and a CFPB complaint. TransUnion failed to resolve the following disputes : 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 XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, closed and paid accounts like XXXX XXXX XXXX XXXX XXXX  are inaccurately marked as " Late 30 Days, '' directly violating FCRA Section 623. This demonstrates a pattern of inadequate investigations consistent with findings in the CFPBs lawsuit against 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 2025-01-19 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 credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle 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 2025-01-19 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: SC

Complaint narrative:
I have not been able to get my money back or nothing i dont even see how you can even dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
I feel I was negatively impacted by EQUIFAX / XXXX, hurting my chances at credit after receiving a response to my earlier disputes that the accounts were " verified ''. But I don't see any details on the investigation. Please Delete ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financia 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 a significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Klarna AB
State: PA

Complaint narrative:
I logged into my klarna account and noticed fraudulent charges possibly due to data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
Please remove all inaccuracies on my Experian credit report please I have already disputed this inaccurate inquirys and I request that they be removed immediately thank you CREDIT APPLICATIONS/HARD INQUIRIES Account name XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX  XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX  XXXX Date of request XX/XX/year> Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXXXXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXXXXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX XXXX request XX/XX/year> Account name XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Account name XXXX XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXX Date of request XX/XX/year> Account name XXXX XXXXXXXX XXXX Date of request XX/XX/year>

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
someone was able to transfer money from two of my checking accounts through XXXX, {$3500.00} from one account and {$1500.00} from another, on XXXX XXXX, 2024. Wells Fargo says I, or someone acting on my behalf authorized these transactions ... XXXX called the bank the same day the funds were taken from my account, and they should have been able to track or trace or retrieve my monies ... .They did nothing. I talked to several people in their fraud dept. call center, never anyone in the actual fraud unit, and all they can do is look in a computer and tell me what they see, or wait for an email from a boss and relay it to me... .one lady in one telephone call did tell me my money went to XXXX XXXX XXXXXXXX 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 2025-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I made a phone call to figure out why my payments werent even making a dent in my XXXX dollar loan I received in XXXX its now XXXX and they didnt really give me any information other than that I signed the contract for the loan I have now paid XXXX dollars on a XXXX dollar loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In an attempt to rectify a fraudulent auto loan, I reached out to the bank ( Navy Federal ) to inform them of my unauthorized authorization. Regrettably, the loan has been reported to my credit report, displaying a balance of {$30000.00}. This situation is unacceptable and places an undue burden on individuals who are victims of such fraudulent activity. This auto loan was opened XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: The CBE Group, Inc.
State: NC

Complaint narrative:
I have contacted charter communications several times with law enforcement showing I didn't receive anything for charter. Charter even stated I didn't even hook ups the equipment or any data was used. Now The CBE Group inc is trying to collect on this fraud account. I have filed legal actions against Charter Communications and The CBE Group INC to bring the truth to the table. Now if Charter Communications and CBE Group INC deletes this account from my credit file I will remove the legal actions. Sheriff is out now with an order to serve on CBE Group INC to come to court. Charter knows and Amits that this account is fraud. I'm a victim of identity theft by XXXX XXXX XXXX and he's been arrested several times for using my identity for credit cards and auto loans and power and water and cable services. People check ID 's before issuing credit. I have a statement with a phone number on my credit file to call before issuing credit with a fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: VA

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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 ( 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 2025-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Sent a XXXX in the amount of {$100.00} that ended up being fraud. Was told that there is nothing they can do about it. 

Wellsfargo

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Sending money through XXXX and not being able to get it back without warning.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
They refused to unlock my account. It still has money on it as of now. Over and over Ive tried to resolve this issue. I spoke with multiple agents, Ive sent documents like they asked and still nothing. This has been going on for at lest XXXX almost XXXX. I can put my password in and it will say unlock but it never unlocked. This caused me to make another account with Cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 those violations.

Company response to consumer: Closed with explanation