vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing because I pulled my Equifax credit report and found some major inaccuracies being reported. I want to dispute the accuracy of an alleged charge-off account reported by XXXX XX/XX/XXXXon my credit profile. As the information reported is inaccurate, incomplete, and unverifiable, I request your immediate attention in conducting an investigation under your obligations per the Fair Credit Reporting Act ( FCRA ). 
Account Information : XXXX Account # : XXXXXX/XX/XXXX Account # : XXXX Equifax Account XXXX : XXXX The reporting of this account reflects several inaccuracies and discrepancies : 1. Conflicting Reporting Details : The information provided by XXXX XXXX is inconsistent across all three bureaus regarding the balance, status, and payment history. This violates the FCRAs requirement that furnishers report accurate and complete information. 
2. Unverifiable Information : I have requested validation of this account directly from XXXX XXXX, and they have not provided the required documentation to substantiate the alleged debt. 
3. Potential FCRA Violations : o Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure the maximum possible accuracy of information reported. Reporting discrepancies like these fails to meet that standard.

o Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information upon notification.

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

Complaint narrative:
I am a victim of the XXXX data breach and identity theft which resulted in unauthorized accounts being on my credit report. I have attached all necessary documentation along with my complaint.

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 service problem — 
Company: Early Warning Services, LLC
State: FL

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 2025-01-18 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit report, but instead update more years from being removed.. This lead to inaccurate or unverified accounts unresolved and delayed from proper required removal. 
The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. 

These failures align with my experiences, 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 2025-01-18 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 complaint Cash App ( Block, Inc. ) due to inadequate customer and unfair practices which violate the consumer financial Protection Act CFPA specially, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account verlnerable and unprotected future more dispute resolution process was unfair and deceptive as they didi not comply with error resolution requirement under the electronic transfer Act and regulation E these action as cause inconvenience and financial hardship

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: MN

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My direct deposit has not been deposited into my checking account. Its a 2 hour phone wait and I only have {$5.00} in my account with all my bills being returned. Capital One has only sent one email that they have an issue with a third party vendor. That doesnt pay my bills or now my late charges. My deposit should have posted on Thursday.

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:
I am writing to formally express my concerns regarding Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, neither my financial institution nor Zelle conducted a thorough investigation of my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to adequately protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XX/XX/XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment . Account now current. Request was made to remove delinquent items which were added without my consent. 

Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 additionally states that a consumer reporting agency can not furnish account without my written instruction. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I request all delinquent items from XX/XX/scrub> 2024 to present be removed from credit bureaus in accordance with above articles and in accordance with the rights granted to me therein.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XXXX XXXX Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment. Account now current. Request was made to remove delinquent items which were added without my consent. 

XX/XX/XXXX- Payments have been made each month on this account, including agreements made with the company to not report to credit reporting bureaus in exchange for payment . Account now current. Request was made to remove delinquent items which were added without my consent.

Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 additionally states that a consumer reporting agency can not furnish account without my written instruction. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I request all delinquent items from XX/XX/year>2024 to present be removed from credit bureaus in accordance with above articles and in accordance with the rights granted to me therein.

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

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle failed to investigate a transaction that was reported as fraudulent activity from another party that sent me money. The other party made a payment to me for a sale and reported two days later. My account with Zelle and my bank was shut down a compromised due to this without even notifying me of the report nor investigating whether the allegation was accurate. I was then unable to use my bank account permanently due to that. Its was a huge inconvenience especially with the fact all of my money was in there.

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 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 ( 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 redres : 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Debt Validation Request Account # : XXXX To Whom it May Concern : I am writing regarding the above-referenced account that you claim I owe in the amount of {$2700.00}. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : Proof that I owe this debt, including a copy of the original agreement or contract with my wet signature.

The name and address of the original creditor.

A detailed breakdown of the amount of debt, including the original balance, interest, fees, and any additional charges.

Evidence that your agency has the legal right to collect this debt, including the full chain of assignments or transfer of ownership of the debt. This should include documentation showing all transfers from the original creditor to your agency.

Confirmation of the statute of limitations for this debt, including the date of the last payment or activity on the account.

Additionally, I request that you cease all communication with me regarding this matter until the requested information is provided. I also request that this debt not be reported to any credit reporting agencies until it has been properly validated.

Please respond in writing within 30 days of receiving this letter and send your response to the address listed above.

Thank you for your cooperation.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
XXXX XXXX XXXX being charged over 6 % authorized by SCRA

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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: Block, Inc.
State: NJ

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 ; which failed to take timely and necessary 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have received the reinvestigation dispute results for my very detailed dispute that I sent with supporting documentation, however, those items were still being verified as accurate. I am questioning your investigation and if you even conducted a reasonable one for the accounts mentioned in the attachment. See attachment.

Company response to consumer: Closed with non-monetary relief
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: OK

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issues appears consistent with resent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation