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

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 transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Frederal 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had some concerns about my credit score. I paid my bills on time and within the 30 days of due date. My credit score is low XXXX when I requested a copy of my credit report. the consumer representative asked questions and I did not feel comfortable providing the information. So, I asked is there a way I can submit a request in writing she stated no, and Transunion is no longer allowing any request in writing. I asked how the score is calculated for credit score. I don't use my retail credit card and later received a letter stating the retail store is canceling card. So, I used my XXXX and XXXX but paid it off every month as recommended. I paid off XXXX vehicles through XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX within XXXX months on a XXXX loan. Yet the credit score is low. I have knowledge of fair credit act. However, I'm still having problems with received copy of annual reports from Trans Union, XXXX, and XXXX and information on credit score increases. I notice on my inquires several companies have inquired about my credit and I either have an active account or the account is closed with no balance. How do I prevent Companies from doing inquires on my credit report. Can you please investigate and also get an explanation how credit score is calculated.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Filed a complaint w/ CFPB via # XXXX about Experian 's data handling issue. Their response took 60 days and it didn't even address the issue I reported. CFPB closed the ticket w/o checking which forces me to submit another complaint.

There's a flaw w/ Experian 's account login access verification process in that their system kept sending login verification code to my landline which I've already discontinued. I tried multiple times reaching them by phone and w/o the verification I can't get through to their live customer service dept, but I can't get the verification w/o having my old landline that's been discontinued for months. I also wrote Experian a letter seeking assistance but never rec 'd any response. 

If I'm having this much difficulty reaching them about their database error, one can only imaging how frustrating it would be to contact them if there's any identify crisis or fraudulent charges to one 's account!

Please help me resolve this issue w/ Experian ASAP. Thanks.

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: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
This account was charged off by Affirm the balance amount is still showing on my credit and this was turned over to a collect agency please remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International 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 handling of disputes, particularly in light of recent cfpb law suite 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 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. 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 2025-01-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Today, I was dismayed to see an unauthorized inquiry on my credit report, and I have no clue how it got there. I habitually monitor my report, and this unexpected issue caught me completely off guard. Despite refreshing my browser multiple times to rule out a glitch, the inquiry remained. I am extremely frustrated and insist that my submitted documents be thoroughly reviewed to prevent further distress.

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 2025-01-21 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 'high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquiries has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW *XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: PA

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 ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. 

On XX/XX/XXXX, I sent dispute letters to Equifax regarding XXXX XXXX, XXXX a/c XXXX. I provided detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit. 

The recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NM

Complaint narrative:
I have for years asked the credit report agency XXXX and Equifax to remove negative information that was not to be on my credit report either because the creditor agreed or because it wasn't valid after several times of asking them to investigate they would always come back and Not remove or research any of the items including a car loan and several student loans causing me and my family significant hardship and financial hardship also these credit report agencies are breaking the federal credit report act and need to be held accountable for such I have reported tese errors to XXXX and Equifax with XXXX luck I'm seeking my credit report to be corrected in a timely matter and to receive financial assistance for my hardship they caused myself

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
Reported inquirys I dont recognize and never had anyone pull my credit, its inaccurate information inquiry on XX/XX/year> for Toyota motor credit co , XXXX XXXX XXXX its on my report XXXX times XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> its on there as well XXXX XX/XX/year>

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: MS

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

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 see 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: 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 for the 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violation : not my addresses XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident type Single family XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamil FCRA violations XXXX not my accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$2.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/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 2025-01-20 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:
FCRA violation : not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Multifamily XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamil FCRA violations XXXX not my accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$2.00} FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These are the accounts i marked as inaccurate XXXX XXXX {$430.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXXl {$5800.00} XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I tried on several different occasions where I had money charges with my account that I did not authorize or have any knowledge about charges being made. I tried to contact and speak with someone directly cash app has never had a support team to make contact with after several days after the payment went from pending to complete I would try to reach out again and no luck. They would further have me wait or at that point I needed to just talk to the company that took the charge. I would says over the course of almost XXXX years I would says XXXX dollars of charges that was not approved by me taken from my account.

Company response to consumer: Closed with explanation