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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I got pre-approved for the XXXX XXXX XXXX XXXX card after unfreezing credit profile as requested by Penfed Credit Union. Based on this preapproval, I was going to review the terms of service to that I could make a decision to accept. I called PenFed and gave the representative my application number so they may locate my application in the system and assist me in reviewing the terms and helping me through the approval process in the event I accepted the terms provided to me. The representative stated that I received a notification of my preapproval which was never received and stated that I needed to accept the preapproval decision at the time of approval. They never provide reasons as to why I never received the notification of preapproval and refused to assist me with obtaining further information to be able to accept the original approval decision of which I disputed. 
We both have all the information of mail correspondence and SMS texts of the removal of the credit profile freeze ; however, the Penfed representative refused to acknowledge that I had not received the approval decision to be able to accept the terms and conditions of my approval. They mentioned that they approved my preapproval application however could not demonstrate that they notified me of my approval for my preapproval application so that I may respond in a timely fashion. This is a " bait and switch '' tactic, if I've ever seen one!

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed complaint its not me and they still didnt Remove accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: 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:
I am demanding the immediate removal of unauthorized accounts, addresses, and inquiries from my consumer report. These entries are clear violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681b : Prohibits accessing or furnishing my consumer report without a permissible purpose.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates the deletion of inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Prohibits the reinsertion of deleted information without proper certification.

FCRA Section 605 ( 15 U.S.C. 1681c ) : Restricts the inclusion of certain obsolete or unverifiable information on consumer reports.

I DID NOT GIVE TRANSUNION CONSENT TO TRADE, HOUSE, BUY, SELL AND OF MY PERSOANL DATA TO ANY REPORTING AGENCIES OR DATA FURNISHER SEE ALL ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: 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: GA

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 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: 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 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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 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 finding indicate that Zelle has not only neglected to protect customers but has also allowed repeated 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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I logged into my transunion account and noticed I had a collection from credit management company for the amount of XXXX. I called the credit management company and asked them when was this debt established because I never received any notice about the debt as I have been in prison the last 5 years and have had different addresses throughout that time. They informed me that a letter should have been sent out to an address that I havent been living at in over 5 years. According to consumer law I should have been informed about the debt or notified before reported on my credit. I asked them to put the account under dispute they informed me that I can try that but no matter what I will have to pay the debt. I told them that they are reporting it on my credit illegally. I have never received a letter as to when the debt was established or the amount of the debt.

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:
State of California XXXX of united states Affidavit of XXXX XXXX I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, being duly sworn, declare and affirm under penalty of perjury that the following statements are true to the best of my knowledge and belief : I am the individual whose personal information is associated with this affidavit. I am submitting this affidavit to formally dispute incorrect and unauthorized addresses, names, and employment records that appear on my credit report. 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not recognize or have any association with the following employers listed on my credit report. These employers are inaccurate and must be removed : * XXXX XXXX * XXXX XXXX * XXXX * XXXX XXXX I do not recognize or have any association with the following names listed on my credit report. These names are inaccurate and must be removed : * XXXX XXXX * XXXX XXXX * XXXX XXXX XXXX XXXX XXXXXXXX I hereby request that the above-listed inaccurate addresses, employers, and names be immediately removed from my credit report as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). These inaccuracies harm my financial reputation, and I demand that they be investigated, corrected, and removed within the legally required timeframe. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 

Date : XX/XX/year> Signature : 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 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: GA

Complaint narrative:
I am writing to express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights critical issues with the platform. Despite being a frequent user of Zelle and reporting transaction discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to adequately protect consumers, enabling repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer 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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it required timely access to my funds. This situation raises concerns about my consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After several disputes being returned as accurate with multiple agencies and the creditor even though they are all reporting different information for the same item, I am filing this complaint with the following evidence. On XX/XX/XXXX I submtted a dispute via certified mail to Experian, XXXX, and XXXX regarding a violation of 15 U.S. Code 1681e ( b ) on a reported item First national Credit Card- Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX. On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to three different credit agencies that are all claiming they have verified these items with XXXX On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and will not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as three different credit agencies are reporting different information. After each dispute one of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX XXXX sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX XXXX sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have filed several disputes with Transunion, and consistently, they responded within 24 hours stating the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.

Complaint narrative:
My account with cash app got overdrawn and I didnt know anything about it I reached out to customer support but they was no me to talk to just some robot so I had to make a whole new account but Im really tried of cash app been having nothing but problems with them since I have had the account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report concerning my account XXXX XXXX XXXX account number XXXX After reviewing my credit report, I have found late payment and charged off entries that I are incorrect. 

XX/XX/2023 - reported 30 days late XX/XX/2023 - reported 30 days late XX/XX/2023 - reported 60 days late XX/XX/2023 - reported 90 days late Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. I request that you investigate this matter with the original creditor and update and correct my credit report to reflect the accurate payment history. 

Please provide me with a written confirmation of the outcome of your investigation. 
Thank you for your attention to this matter. I look forward to your timely resolution.

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