vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX Address po box XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number XXXX XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone number XXXX XXXX XXXX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Record details On record XXXX XX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Record details XXXX record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Record details XXXX record until XX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX Address po box XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number XXXX XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone number XXXX XXXX XXXX XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Record details On record XXXX XX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX Record details XXXX record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Record details XXXX record until XX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record XXXX XX/XX/XXXX Inquired on XX/XX/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 2025-02-03 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-03 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: LA

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 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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
As the depositor and beneficiary of the account I hold with Chime Financial Inc, I entrusted them with safeguarding my financial assets, which creates a fiduciary duty for them to act in my best interest. I was defrauded by another company, who received money from the account I hold with Chime Financial Inc, but failed to deliver goods. I informed Chime Financial Inc and their CFO XXXX XXXX of fraud that occurred as well as provided supporting documents. Chime Financial Inc denied dispute and has failed to reinvestigate. XXXX XXXX has also ignored fiduciary obligations and make things right by returning the {$73.00} to me. XXXX XXXX and Chime Financial Inc are engaging in trustee malfeasance by putting their own interest above mines and acting in ways that harms me as a beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of Disputes, 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 2025-02-03 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: OH

Complaint narrative:
TO Your Company I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY XXXX ). 
You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report. 
All of the accounts listed have different dates of last activity/status date, & have inaccuracies in the payment history between Equifax, XXXX, and XXXX. ( How can these accounts have different information between the CRAs reporting, but are getting the information from the same creditor? ) YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT. 
607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the INFORMATION concerning the individual about whom the report relates. 
According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NV

Complaint narrative:
XXXX  XXXX account was supposed to be protected by The Cares Act section 4201. Experian, TransUnion, or Equifax did not investigate the inaccurate misleading information thoroughly when dispute was initiated. The XXXX XXXX account was charged off XX/XX/XXXX in the amount of {$1800.00}. As of XX/XX/XXXX XXXX XXXX is reporting multiple inaccuracies to the credit bueras. XXXX XXXX never mailed a 1099c to the 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 non-monetary relief
Consumer complaint received 2025-02-03 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: NV

Complaint narrative:
XXXX  XXXX account was supposed to be protected by The Cares Act section 4201. Experian, TransUnion, or Equifax did not investigate the inaccurate misleading information thoroughly when dispute was initiated. The XXXX XXXX account was charged off XX/XX/XXXX in the amount of {$1800.00}. As of XX/XX/XXXX XXXX XXXX is reporting multiple inaccuracies to the credit bueras. XXXX XXXX never mailed a 1099c to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received many letters after the deadline to be able to do a settlement payoff every letter they sent to my address was expired. I never got a chance to settle any agreements to pay off because they were all at my address late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
I have 3 XXXX XXXXXXXX credit cards XXXX have a limit of XXXX $ and the other XXXX XXXX Over the past few months when I got laid off I had a few payments missed XXXX actually to be exact for the month of XXXX and XXXX I started paying down balance in increments of XXXX XXXX In XXXX my balance was reported to have been maxed out or utilization between two cards were at XXXX XXXX  I have made several payments a month towards both cards XXXX XX/XX/XXXX I made a XXXX $ payment and on XXXX XX/XX/XXXX I made a XXXX $ payment, XXXX XX/XX/XXXX made a XXXX $ payment, Jan XXXX XXXX XXXX payment, and Jan XXXX XXXX XXXX payment my current balance for that specific card should be updated and reported as XXXX $ remaining as balance to pay off but it hasnt been updated or reported to my reports since XXXX my other credit card balance is currently at XXXX where the same thing Ive made several payment towards balance and reports are not updated Dec XXXX XXXX XXXX  payment, Jan XXXX XXXX XXXX payment, XXXX XX/XX/XXXX XXXX payment, JaXXXX XXXX XXXX XXXX payment, Jan XXXX XXXX XXXX payment utilization is down and reports are not updating accurate info

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 2025-02-03 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: IL

Complaint narrative:
I have XXXX capital XXXX credit cards XXXX have a limit of XXXX $ and the other XXXX XXXX Over the past few months when I got laid off I had a few payments missed XXXX actually to be exact for the month of XXXX and XXXX I started paying down balance in increments of XXXX XXXX In XXXX my balance was reported to have been maxed out or utilization between XXXX cards were at 96 % I have made several payments a month towards both cards XXXX XX/XX/XXXX I made a XXXX $ payment and on XXXX XX/XX/XXXX I made a XXXX $ payment, XXXX XX/XX/XXXX made a XXXX $ payment, Jan 15/25 110 $ payment, and Jan XXXX XXXX XXXX  payment my current balance for that specific card should be updated and reported as XXXX XXXX  remaining as balance to pay off but it hasnt been updated or reported to my reports since XXXX my other credit card balance is currently at XXXX where the same thing Ive made several payment towards balance and reports are not updated Dec XXXX XXXX XXXX payment, Jan XXXX XXXX XXXX payment, XXXX XX/XX/XXXX XXXX payment, Jan XXXX XXXX XXXX payment, Jan XXXX XXXX XXXX  payment utilization is down and reports are not updating accurate info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
There were multiple transactions that were made from my account and I wasn't able to do anything about them. Cashapp customer service didn't do anything to help me either. I was never able to recover the money from the transactions and they closed me account on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I was buying a service from an individual on XXXX. They promised the details once payment went through. I paid them {$170.00} on XX/XX/XXXX at approximately XXXX XXXX I was given some fake information that did not work and they then blocked me so I could not contact them. I immediately disputed the transaction to CashApp and they have yet to do anything about it or return my money. I bank with CashApp and I can not dispute a charge with another bank as I dont bank with any other bank. 

I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I do not nor do would I I have an a negative account on my credit report from child support when there never was an account.?

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 2025-02-03 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: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : - Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Date of Dispute Submission : XX/XX/XXXX - Dispute # XXXX - Nature of Dispute : These accounts were disputed on the grounds of identity theft and are fraudulent. 

TransUnion 's Response : As of XX/XX/XXXX, I have not received any communication from TransUnion regarding the status or results of their investigation into these disputes. 

FCRA Violations : TransUnion 's failure to respond to my disputes within the required timeframe constitutes violations of the FCRA : 1. Failure to Investigate Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : TransUnion is required to investigate consumer disputes within 30 days of receipt. My disputes were submitted on XX/XX/XXXX, and as of XX/XX/XXXX, no response has been provided, exceeding the 30-day requirement.

2. Failure to Provide Results of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ) : TransUnion must provide written notice of the results of the reinvestigation within 5 business days after completion. I have not received any such notice.

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