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

Complaint narrative:
I am writing to normally express my concerns regarding Zelles 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 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 2025-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I.C. SYSTEM, INC Original creditor : ATT XXXX, {$2700.00}, Date opened XX/XX/year>, Account previously disputed and incorrectly found to be accurate.

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 — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX EXETER FINANCE LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I have not initiated any transaction with EXETER FINANCE LLCXXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with EXETER FINANCE LLCXXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX cc : CFPB

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:
Im writing to inform express my concern regarding Zelles handling of dispute 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 theses transactions was infeasible 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 customers safety

Company response to consumer: Closed with explanation
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: MD

Complaint narrative:
Was charged over draft fees when I had the amount in my account. A class action laws suit open about this now.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

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: NC

Complaint narrative:
XXXX has failed to feel its legal obligations under the fair credit reporting act FCRA to conduct a reasonable re-investigation of this beauty information on my credit report, leaving an accurate or unverifiable accounts on resolve the consumer financial protection bureau XXXX, has recently filed a lawsuit against experience, a legend, systematic issues, such as failing to forward, consumer for via the evidence to furniture, acceptance and reliable responses, and feeling to adequately, notify consumers of dispute outcomes. These values along with my experience with experience has me the corrected nor removed needed items. Despite the evidence provided, cause an ongoing hard for my credit standing I am requesting immediate, corrective action to remove or a member disputed account as experience in action violates federal law in my rights as consumer.

Company response to consumer: Closed with explanation
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: WA

Complaint narrative:
I am writing to file a complain 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 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 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
CFPB and FCRA please assist me in this matter. I have attached valid prof of inaccuracies and violations on my credit report from Portfolio Recovery. I have disputed multiple times with Portfolio Recovery and all XXXX credit bureaus over XXXX times or more. Portfolio Recovery and credit bureaus come back with in 3 to 6 hrs with the debt is validated. so now that I'm seeking league assistance in this matter. I'm attaching the proof of violations since Portfolio Recovery and XXXX can't catch or don't want to catch. I can't believe both company 's after as many times I disputed can't fix the inaccuracies I have all the reports from investigations done from all parties. this has gone on over 2 years impacting my credit my Selfs worthiness and diminishing my good name. at this point i want this company deleted from my credit reports and I'm seeking to be compensated for punitive damages to me and my name and to my life. this has prevented me from achieving fair credit, living means, all through the pandemic. I've applied for car, credit, home etc. and was denied due to the in accurate reporting that violates my rights. Yet again im also asking this company completes the questions to proper Validation of debt. PORTFOLIO RECOVERY and XXXX has the account closed as of XXXX XXXX i was not born at this date. also states account closed but has been reporting open when was closed. 

I am writing to dispute the in accurate information that XXXX is reporting on my credit report. according to the information provided, it appears that there is many inaccuacys found on my credit report. 

As a responsible consumer, i take my credit report seriously and am concerned about the inaccurate information being reorted. the false information listed is damaging my creditworthiness and may have serious implocations for my fiacial well - being Should XXXX fail to provide Resulution i am prepared to pursue legal action to rectif this error. i have outlined an itemized list below detailing the potential finacial losses XXXX may incur if litigation becomes nessessary. 

XXXX. Legal Fees : {$5000.00} XXXX. Lost Wages : {$3500.00} XXXX. Emotional Distress : {$7000.00} XXXX. Statutory Damages : {$10000.00} Please note that the figures provided above are estimates and my bary based on the extent of the inaccuracies and the duration of legal proceedings i am hereby requesting that XXXX promptly investigate this matter and provide me with a written response detailing the results of the investigation. I expect this dispute to be resolved within the timeframe mandated by the Fair Credit Reporting Act. 

thanks for your prompt attention to this matter. i look forward to receiving your response within 30 days as required by 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX

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: MD

Complaint narrative:
I'm 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OK

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 2025-01-19 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:
Block Inc. ( Owner of Cash App ) Due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, Cash App, owned by Block Inc., 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 the Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693f, and Regulation E ( 12 C.F.R. Part 1005 ), which mandate error resolution procedures for electronic funds transfers. Wherefore, These actions have resulted in significant inconvenience and financial loss, and I seek appropriate redress, restitution, compensation, damages, putative damages ; Equitable Remedy for any unjust enrichment, and for all of 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: CA

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.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX  charge off on my report is fraudulent and inaccurate information and needs to be removed immediately I've wrote you guys multiple times and you have not removed it like I ask this charge off is hurting my credit score and violating my consumer rights

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this as a deeply upset and disgruntled consumer. Your actions, or lack thereof, have significantly and negatively impacted me, jeopardizing my ability to maintain excellent credit. Despite my earlier disputes, there response claimed the accounts in question were verified, which is entirely unacceptable. 

Recent investigations and lawsuits against XXXX clearly show a pattern of violating the Fair Credit Reporting Act ( FCRA ) and neglecting proper dispute handling. Specifically, XXXX has : Failed to thoroughly investigate consumer disputes : XXXX process limits consumers from fully describing their disputes and often ignores relevant information submitted by consumers. Furnishers responses were given undue deference, even when contradictory or nonsensical, resulting in inconsistent and incomplete resolutions. 
Reintroduced previously deleted errors : XXXX failed to prevent previously removed errors from reappearing on credit reports, demonstrating a lack of proper detection systems. This forces consumers, like myself, to repeatedly dispute the same inaccuracies. 
Failed to block identity-theft-related information : XXXX knowingly reported credit information resulting from identity theft, despite its obligation to block such data. 

The Consumer Financial Protection Bureau ( CFPB ) has already found that Equifaxs flawed processes and ineffective systems harmed consumers, violating FCRA requirements and the CFPAs prohibitions against unfair, deceptive, or abusive acts. It is evident that these practices have severely limited consumers ability to dispute and correct inaccuracies, further compounding the harm. 

Enforcement Actions taken against XXXX include : XXXX. Mandating compliance with federal law regarding credit reporting data. 
XXXX. Imposing a {$15.00} XXXX penalty for their misconduct. 
Given this precedent, I demand immediate action to remedy your negligence in my case : XXXX. Immediate deletion of all disputed accounts and a full resolution of inaccuracies on my credit report. 
XXXX. Restoration of my credit score to XXXX or higher, reflecting the absence of any erroneous or fraudulent information. 
XXXX. Acknowledgment of this complaint and a detailed timeline for resolving these issues, no later than [ insert deadline, e.g., 7 business days ]. 
Failure to act swiftly and appropriately will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB, Federal Trade Commission, and legal authorities. The level of disregard for consumer rights shown here is beyond unacceptable, and I will not stand for it.

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: 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 writing this as a deeply upset and disgruntled consumer. Your actions, or lack thereof, have significantly and negatively impacted me, jeopardizing my ability to maintain excellent credit. Despite my earlier disputes, there response claimed the accounts in question were verified, which is entirely unacceptable. 

Recent investigations and lawsuits against Equifax clearly show a pattern of violating the Fair Credit Reporting Act ( FCRA ) and neglecting proper dispute handling. Specifically, Equifax has : Failed to thoroughly investigate consumer disputes : XXXX process limits consumers from fully describing their disputes and often ignores relevant information submitted by consumers. Furnishers responses were given undue deference, even when contradictory or nonsensical, resulting in inconsistent and incomplete resolutions. 
Reintroduced previously deleted errors : Equifax failed to prevent previously removed errors from reappearing on credit reports, demonstrating a lack of proper detection systems. This forces consumers, like myself, to repeatedly dispute the same inaccuracies. 
Failed to block identity-theft-related information : Equifax knowingly reported credit information resulting from identity theft, despite its obligation to block such data. 

The Consumer Financial Protection Bureau ( CFPB ) has already found that Equifaxs flawed processes and ineffective systems harmed consumers, violating FCRA requirements and the CFPAs prohibitions against unfair, deceptive, or abusive acts. It is evident that these practices have severely limited consumers ability to dispute and correct inaccuracies, further compounding the harm. 

Enforcement Actions taken against Equifax include : 1. Mandating compliance with federal law regarding credit reporting data. 
XXXX. Imposing a {$15.00} XXXX penalty for their misconduct. 
Given this precedent, I demand immediate action to remedy your negligence in my case : 1. Immediate deletion of all disputed accounts and a full resolution of inaccuracies on my credit report. 
XXXX. Restoration of my credit score to XXXX or higher, reflecting the absence of any erroneous or fraudulent information. 
XXXX. Acknowledgment of this complaint and a detailed timeline for resolving these issues, no later than [ insert deadline, e.g., 7 business days ]. 
Failure to act swiftly and appropriately will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB, Federal Trade Commission, and legal authorities. The level of disregard for consumer rights shown here is beyond unacceptable, and I will not stand for it.

Company response to consumer: Closed with explanation