vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank closed my account because some one tried to hit my account for XXXX then went back tried to getXXXX then they freeze my account they put something in system no bank will except me my name is XXXX XXXX XXXX my social XXXX I never had problems opening bank account my credit score is XXXX I just want my bank account back

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 protocol was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These activities have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I am filing this complaint against Navy Federal credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged for fees due to prolonged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU FOR similar practices where transactions settled with insufficient funds despite initially available funds. I believe these practices are unfair and my account needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Collection from XXXX XXXX XXXX should be removed from Experian. XXXX has removed it due to inaccurate reporting.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-22 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: NC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consuXXXXXXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$1600.00}

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 2025-01-22 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing 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 proce 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 2025-01-22 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-22 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: CA

Complaint narrative:
I am writing to follow up on a formal dispute I submitted to XXXX, XXXX AND EQUIFAX regarding inaccurate information reported on my credit file. The initial dispute was submitted on XX/XX/year>, and I have not received a response or resolution within the required timeframe as outlined under the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to follow up on a formal dispute I submitted to XXXX, EXPERIAN AND XXXX regarding inaccurate information reported on my credit file. The initial dispute was submitted on XX/XX/year>, and I have not received a response or resolution within the required timeframe as outlined under the Fair Credit Reporting Act ( FCRA ). 

The disputed account details are as follows : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX.

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 2025-01-22 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: MS

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute particularly in light of recent Cfpb lawsuit highlighting significant issue 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 ws impossible and that tracking these transactions was unfrssbile the CFPBS fundings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is understandable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NJ

Complaint narrative:
I filed multiple disputes on Experian regarding the following accounts XXXX closed account Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX account, Balance {$760.00}. These have been reported to Experian on numerous occasions with Multiple FTC reports as I have had my information leaked in multiple data breaches and used. Experian denied to follow up with a proper accurate investigation. I was Previously notified that the CFPB has recently filed a lawsuit against the company Experian. Alleging that the company has a history of accepting unreliable information, Falling to remove inaccurate or incomplete information, failure to notify consumer of dispute results and unwilling or being fully incapable of operating lawfully. This aligns well with my situation entirely as this has been my experience with Experian. I have sent multiple documents in verifying myself that follow their accepted documentation and they have refused my dispute request every time sending a follow up letter stating I needed to send in more Identification, I have called and have them on recording stating they have received my documents and that they need more but would not tell me why my documents were not suffice enough to complete my dispute. I have been at it for 4 years now with this company trying to remove these inaccurate harmful remarks off my credit. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory inaccurate remarks be removed immediately as its affecting my chances of getting a house. EXPERIAN violates my rights as a consumer as well as federal laws.

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 2025-01-22 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX 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 -DATE OPENED XX/XX/year>

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Upon information and belief, on or about the XXXX day of XX/XX/XXXX there was a Chase Fraud Protection placed on one of my accounts for the amount of {$4000.00}. These funds were spent at a XXXX XXXX XXXX in XXXX  XXXX, Oklahoma. On the XXXX day of XX/XX/XXXX, a transaction of {$32.00} was spent at XXXX XXXX XXXX XXXX. Upon my release from XXXX  in XXXX, I noticed all these transactions that were in my email. At that moment I started contacting Chase Bank XXXX XXXX, the first person who worked my case did not proceed by the handbook, later I was assigned case number XXXX and was told XXXX who XXXX for the XXXX would be working my case. After not hearing back from the executive office, I decided to contact them back, that's when I was informed to go into a branch and complete a Declaration of Lost, Stolen, Or Destroyed Cashier 's Check. As instructed, I went into a branch where I came in contact with XXXX XXXX XXXX who processed all my documents. XXXX of the declarations were for {$18000.00} and the other was for {$27.00}. After me and XXXX XXXX XXXX spoke with the XXXX XXXX we were told to fax the documents over to XXXX. After the forms were sent and accepted by the XXXX XXXX, we were told I would receive my funds in XXXX hours to the checking account that was newly opened. After I didn't receive the funds as told I went back to see XXXX XXXX a XXXX XXXX and informed her that the funds hasn't come into my account. We then called the XXXX XXXX and asked what happened to me receiving my funds in XXXX hours. We were not given a verbal reason the funds were not placed into my account. There were XXXX { XXXX } XXXX Cashier Checks sent out to an XXXX  address by JP Morgan Chase Bank that were never cashed and sent back to JP Morgan Chase Bank. There were various accounts that I held at JP Morgan Chase Bank that I have been refused access to. This matter has been going on now for XXXX { XXXX } years and yet has it been resolved by JP Morgan Chase Bank. I have been told on numerous occasions to open a new bank account, and the funds would be placed into my account, no funds have been placed in either account I held at JP Morgan Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
We want all monies reported to be refunded All illegal transaction by cashapp allowing anybody to take money and not being abkke to speak to someone. No refunds for loses. all other illegal rasactions with contact being made to cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My access to online backing got suspended for no reasons and i want help to reaccess it : Case Number : 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion Free annual credit report wasnt provided. First I try it in XXXX, then in XXXX, and finally just trying it now in XX/XX/XXXX. The company is setting up its informacin access operations in a way that is pushing the American people to purchase it's {$30.00} dollars monthly program to be able to access credit report information to be able to dispute inaccuracies. In every time I go online try to follow the process and get error messages saying that it is not available online my informacin, this message comes with a phone number to call. Every time I call in to this phone number the TransUnion rep say that there is nothing they can do but to send me a physical copy to my address, which never happened. In XXXX the mail never arrived in XXXX the mail copy never arrived neither. XXXX no rep was able to explain why this situation is happening.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I had a Zelle account and sent money to people on accident and couldnt get my funds back because Zelle said I sent the payment. Someone had my login and was sending money to themselves and it was no resolution for the matter in my account. In response Zelle closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I cant see the exact dates or amounts but around XX/XX/year>. I was scammed and couldnt get my money back through my XXXX/chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
In my review of the credit report, I found some erroneous information. According to Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$3000.00}

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