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

Complaint narrative:
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: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to raise my concerns about how Zelle manages disputes, especially in light of the recent CFPB lawsuit that has highlighted major issues with the platform. Despite having used Zelle many times and reporting discrepancies, neither my financial institution nor Zelle has adequately investigated my claims. I was told that recovering lost funds was impossible and tracking these transactions was not feasible. 
The CFPB 's findings show that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is unacceptable and poses serious concerns about consumer safety. I urge you to take immediate action to address these issues and to establish a clear and effective process for investigating and resolving disputes. Consumers deserve protection and the assurance that their financial transactions are secure.

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: FL

Complaint narrative:
I am writing to you as the holder of account number [ XXXX ] for my auto loan, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). additionaly, the FCRA specifically sections 15 U.S code 1681i and 156 U.S, code 1681s-2 i formally request the you investigate and correct any inaccurate information related to these late payments on my credit report. below are the details of the affected payments Date of reported late payment : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX Dispute of Inaccurate Information on Credit Report Dear CFPB I am writing to dispute the following information on my credit report XXXX Apple Card/GS Bank USA XXXX Charge-off, Late Payment, etc This information is inaccurate because, " I did not open this account, " this account is a result of identity theft. Additionally, the address associated with this account is incorrect. The address listed is XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX While my current address is XXXX XXXX XXXX XXXXXXXX, FL XXXX my correct address. 

Please investigate this matter and correct or remove the inaccurate information from my credit report, including updating the address to my correct address. I appreciate your prompt attention to this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 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 2025-01-19 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: PA

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 CFPs tindings 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: LA

Complaint narrative:
Earlier this month, I mailed a money order in the amount of {$1000.00} to my company 's Mercury Bank account via XXXX mail for deposit. After several weeks, the funds have not been credited to my company 's account. On Friday, XX/XX/XXXX, I contacted Mercury Bank to inquire about the status of the funds. The bank responded, stating that it does not accept mailed funds, even though this policy was not clearly disclosed. Mercury Bank further indicated that the funds would either be returned or destroyed. Given the significant time that has elapsed since mailing the money order, I am concerned that the money order may have been destroyed without my authorization.

This lack of transparency and failure to properly communicate policies has caused significant inconvenience and potential financial loss for my company.

Additionally, my company has experienced other operational challenges due to Mercury Bank 's apparent lack of communication and transparency. In XX/XX/year>, two of our executives traveled to New York for a business meeting. Upon arrival, they discovered that our company credit cards issued by Mercury Bank were no longer operational. This unexpected issue left our executives stranded at the airport, unable to rent a vehicle or secure accommodations, forcing them to use personal credit cards to cover transportation and lodging expenses. 

When we contacted Mercury Bank to understand why the credit cards were XXXX, we were informed that the bank had made a decision to restrict credit card access for accounts with balances under {$25000.00}. However, this policy was not communicated to us beforehand. As a relatively new customer, our company had never deposited more than {$5000.00} into our Mercury accounts, as we were cautiously evaluating the bank 's services. Despite this, we were approved for and successfully used the credit cards for several weeks without issue before this abrupt deactivation.

Mercury Banks lack of proactive communication regarding its policies and the mishandling of our funds has caused unnecessary hardship and damages to my company. I am seeking resolution for these issues and assurance that similar problems will not occur in the future.

Company response to consumer: Closed with monetary relief
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: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to the 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 despite 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Dispute of Unverified Collection Reported by XXXX Account XXXX A collection account from XXXXXXXX XXXX XXXXXXXX, related to XXXX XXXX XXXX XXXX, was added to my TransUnion credit report between XX/XX/year>, and XX/XX/year>. I was not notified of this debt and have not received validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting : 1. Validation of the debt, including proof it belongs to me, a breakdown of the amount owed, and documentation showing XXXX XXXX XXXXXXXX authority to collect. 
2. Immediate removal of the account if validation can not be provided.

3. That the account be marked as disputed until validation is completed. 

Reporting unverified or inaccurate information violates FCRA Sections 611 and 623. I ask for the CFPBs assistance to ensure compliance and resolution of this matter. 

Thank you.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I actually just filed a complain but mistakenly selected " fraud/scam ''. The payment was actually authorized. I was threatened and feared for my safety. I zelle {$2400.00} and this the number that contacted me " XXXX '' by the name " XXXX XXXX '' on XX/XX/2022. I opened a claim through XXXX XXXX XXXXXXXX but neither XXXX XXXX XXXXXXXX or Zelle responded with assistance.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are hard pulls and tons of soft pulls that I do not recognize on XXXX, XXXX, Transunion asked to delete but still on my report. There are hard pulls as well that I do not recognize also asked to delete and they say it stays for 2 years. I said no because I did not request it by no Company. They refuse to delete.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are hard pulls and tons of soft pulls that I do not recognize on XXXX, Equifax, XXXX asked to delete but still on my report. There are hard pulls as well that I do not recognize also asked to delete and they say it stays for 2 years. I said no because I did not request it by no Company. They refuse to delete.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are hard pulls and tons of soft pulls that I do not recognize on Experian, XXXX, XXXX asked to delete but still on my report. There are hard pulls as well that I do not recognize also asked to delete and they say it stays for 2 years. I said no because I did not request it by no Company. They refuse to delete.

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: Early Warning Services, LLC
State: PA

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 infeasible. The CFPB finding indicate that zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report regarding my XXXX XXXX account XXXX*I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Sent money via Zelle to the wrong person money was never given back

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: TX

Complaint narrative:
Every time needing helping it would not help me or give me any information

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have several unauthorized inquires on my credit report. I do not have or have had any of these accounts.XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( 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 2025-01-19 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: FL

Complaint narrative:
The accounts listed on this report are fraudulent. I demand investigation and removal from my social. I did not give consent and authorization to opening these accounts. Listed below are the fraudulent accounts : XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$700.00} XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$690.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX, {$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 non-monetary relief
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: EQUIFAX, INC.
State: FL

Complaint narrative:
The accounts listed on this report are fraudulent. I demand investigation and removal from my social. I did not give consent and authorization to opening these accounts. Listed below are the fraudulent accounts : XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$700.00} XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$690.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX XXXX due to incorrect information. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against TransUnion for reporting several accounts on my credit file that are the result of unauthorized use of my Social Security number. These accounts were not opened by me and are not connected to any actions I have taken. 

Under 15 U.S. Code 1681c2, I am requesting the immediate removal of the following accounts from my credit report within 4 days : 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 TransUnion 's failure to properly investigate my dispute mirrors the issues highlighted in the CFPB and FTC actions against TransUnion for its illegal credit reporting practices. According to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), TransUnion engaged in practices that violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate consumer disputes, providing inaccurate results, and allowing errors to persist on credit reports. This harmful behavior significantly affected consumers like me, and it is a violation of my rights as outlined under the FCRA. 

Attached to this complaint is a dispute letter that I sent to TransUnion on XX/XX/year>, which is dated and time-stamped. Despite this, TransUnion has failed to resolve the matter appropriately. 

I have also included proof of identity and an FTC report to support my claim. I trust TransUnion will handle this matter promptly and ensure these inaccuracies are removed.

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