vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Attempted to transfer money to a confirmed recipient however, the monies were directed to a different person. In attempts to request a cancelation of the funds I was advised that there was no options as the transaction was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After reviewing my credit report from Experian, I discovered inaccurate information in my credit file, which deeply concerns me as it violates the Fair Credit Reporting Act. The incorrect information includes my name, address, and employer. The name listed on my report as " XXXX XXXX XXXX '' should be corrected to my full legal name : " XXXX XXXX XXXX XXXX XXXX. '' The address listed as " XXXX XXXX XXXX, XXXX, NJ XXXX '' should be updated to reflect my full and correct address : " XXXX XXXX XXXX FL XXXXXXXX XXXX NJ XXXX. '' There are also other addresses that are not mine, including " XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX, XXXX, NJ XXXX. '' Please remove these XXXX addresses. Additionally, my current employer, " XXXX XXXX XXXX, '' is not properly reflected on the report. The report lists me as " SELF EMPLOYED '' and " XXXX XXXX, '' which are incorrect. These mistakes are not only frustrating, but they also raise concerns about identity theft. These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C 1681e ( b ) ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. The Gramm-Leach-Bliley Act ( GLBA ) also requires that personal data be protected and kept confidential. Failure to comply can result in penalties of up to {$1000.00} per violation under 15 U.S. Code 1681n. I request that Experian promptly correct these errors and ensure that my credit report reflects accurate information.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically Cash App failed to take time and effective measures to prevent an address fraud on that platform leaving my account, vulnerable and unprotected. Furthermore, they dispute. Resolution process was unfair and deceptive as they did not comply with resolution requirements under the electronic fund transfer act ( EFTA ) and regulation, E, these actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
XXXX, did not properly investigate my claim. After 48 hours they returned that they completed the investigation. They indicated file has been updated. When I compared the old with the after screens. No updates were made. XXXX disadvantaged me by failing do conduct a thorough investigation. If they had, they would have resolved my inquiry and removed XXXX XXXX from my Credit report.

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 2025-01-16 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: NY

Complaint narrative:
XXXX, did not properly investigate my claim. After 48 hours they returned that they completed the investigation. They indicated file has been updated. When I compared the old with the after screens. No updates were made. XXXX disadvantaged me by failing do conduct a thorough investigation. If they had, they would have resolved my inquiry and removed XXXX XXXX from my Credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 have informed me that recovering lost funds is impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle was not only neglected to protect consumers but also allowed to 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 2025-01-16 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: VA

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 where being 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 and 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 2025-01-16 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: TX

Complaint narrative:
Im writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagging post of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 2025-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX- {$450.00} XXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o Currently is marking both late and closed at the same time.

o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Is noted as a charge off, but also still has a balance.

o Trans Union reports a close date of XX/XX/2022 but XXXX has XX/XX/2022 XXXX : o Show a balance but also a charge off at that same time.

o A charge off would require a 1099C but I have never received one.

Transunion o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one. 
o Worst payment status has no info o Shows charge off, but never late.

o Trans Union reports a close date of XX/XX/2022 but XXXX has XX/XX/2022

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 2025-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX- {$450.00} XXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o Currently is marking both late and closed at the same time.

o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Is noted as a charge off, but also still has a balance. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but Equifax has XX/XX/year> XXXX : o XXXX a balance but also a charge off at that same time. 
o A charge off would require a 1099C but I have never received one. 
XXXX o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Worst payment status has no info o Shows charge off, but never late. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but Equifax has XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: MD

Complaint narrative:
XXXX XXXX XXXX- {$450.00} XXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o Currently is marking both late and closed at the same time.

o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one.

o Is noted as a charge off, but also still has a balance. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but XXXX has XX/XX/year> Experian : o Show a balance but also a charge off at that same time.

o A charge off would require a 1099C but I have never received one. 
XXXX o Last payment has no information o Current payment status has charge off, but a charge off would require a 1099C but I have never received one. 
o Worst payment status has no info o Shows charge off, but never late. 
XXXX XXXX XXXX reports a close date of XX/XX/year> but XXXX has 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: TX

Complaint narrative:
I am requesting a refund for the fees charged to my account due to recent financial difficulties that resulted in low account funds. These charges have further strained my ability to manage essential expenses, and I would greatly appreciate your understanding and support in reversing the fees as I work to stabilize my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

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 proces 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: GA

Complaint narrative:
I have been identified as a victim of XXXX XXXX. Per 605C please remove all items on attached list from my report and provide me with updated report after items have been 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
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Blocl , 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 2025-01-16 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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 am writing this to express my concern regarding Zelles handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the problem. 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 their customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
Navy federal allowed charges to go through when in fact there was no funds either due to a scheduled withdrawal or a misrepresentation of how much money was available in the account. This happened countless times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 affect the 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 this did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
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 2025-01-16 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: NJ

Complaint narrative:
After reviewing my credit report from TransUnion, I discovered inaccurate information in my credit file, which deeply concerns me as it violates the Fair Credit Reporting Act. The incorrect information includes my address, and employer. The address listed as " XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX '' is incomplete and should be updated to reflect my full and correct address : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' There are also other addresses that are not mine, including " XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and " XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. '' Please remove these two addresses. Additionally, my current employer, " XXXX XXXX XXXX, '' is not reflected on the report. These mistakes are not only frustrating, but they also raise concerns about identity theft. These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. The Gramm-Leach-Bliley Act ( GLBA ) also requires that personal data be protected and kept confidential. Failure to comply can result in penalties of up to {$1000.00} per violation under 15 U.S. Code 1681n. I request that TransUnion promptly correct these errors and ensure that my credit report reflects accurate information.

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