vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX  - XXXX : {$1300.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$47000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section XXXX ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 FIRST HELP, RESIDENT VERIFY Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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: 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} - Account # : XXXX XXXX XXXXXXXX XXXX  - Balance : {$47000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section XXXXXXXX XXXX XXXX XXXX, credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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  FIRST HELP, RESIDENT VERIFY Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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: 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: FL

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX CO Inquiry Date : XXXX Creditor Name : XXXX XXXX  Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Name : XXXX CARS XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX NA Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Inquiry Date : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX CO Inquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX Name : XXXX CARS XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX  Inquiry Date : XXXX Creditor Name : XXXX OF XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX Creditor Name : XXXX XXXX NA Inquiry Date : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Inquiry Date : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue.

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: NC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized.

However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: TN

Complaint narrative:
I recently discovered that P & B Capital Group , LLC reported a collection account to XXXX without ever notifying me beforehand. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), a debt collector is required to send a written notice within five days of their first communication with a consumer, detailing the amount owed, the original creditor, and the consumers right to dispute the debt. I never received such notice from P & B Capital Group before they placed this collection account on my credit report. 

When I became aware of the collection, I immediately sent a formal debt validation request via certified mail requesting verification of the debt. Specifically, I requested : Proof that P & B Capital Group legally owns or was assigned this debt ( including a chain of transfer from the original creditor ). 
A full itemized breakdown of the amount owed, including any interest or fees added. 
Any contract, agreement, or documentation bearing my signature that confirms my obligation to pay this debt. 
Proof that they are licensed to collect in Tennessee and are in compliance with applicable state and federal laws. 
A copy of the initial notice they were required to send within five days of first contact.

P & B Capital Group has failed to provide any of this requested documentation.

Since they have not validated this debt, I believe this collection should not be reported to XXXX and request that the CFPB investigate this issue. Additionally, their failure to provide prior notice deprived me of my legal right to dispute the debt before it was reported to my credit file. 

I request that the CFPB : Investigate whether P & B Capital Group provided proper debt validation before reporting this account. 
Ensure that P & B Capital Group ceases collection and removes the account from my credit report if they can not provide proper validation.

Require P & B Capital Group to provide a full and accurate accounting of the debt, including proof of ownership and the original creditors details.

I am also considering filing additional complaints with the Tennessee Collection Service Board, the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office if this issue is not resolved promptly.

I request CFPB 's assistance in holding P & B Capital Group accountable for potential FDCPA and FCRA violations and ensuring fair treatment for consumers. 

If there are any arbitration agreements that are active I would like information on that as well

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 filling a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform.leaving my account vulnerable and unprotected 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: TX

Complaint narrative:
I am filling a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA. Cash app failed to take time and effective measures an address fraud under platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was was unfair and deceptive as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation C. 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: MI

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on its 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: 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: NC

Complaint narrative:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00}

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An email appeared in my college email and it was an summer internship offering. I replied to the email so I can apply and work to help pay off my student bills. We only emailed each other and there weren't any like interviews to be held but I just didn't think much about it. The person I responded the email to told me that a person who was in charge of the materials was going to message me and he would tell me what to get. In a hour, I get a message from the person that the guy emailed me about and the person introduced themself and start with listing the materials I needed. He/She also mentioned that they would send checks through email and that I would have to deposit the money and buy the stuff myself. But the thing is, when I deposit the checks, the bank institution that I use says it will take a couple of days until the checks go through. I told them about it and he/she says that they couldn't wait since it would delay their schedule time. So they insisted that I would have to send them money from my savings and then they would buy it for me. We proceeded with that option and it kept going throughout the month and one day I woke up and got an email saying my account has a low balance. I checked and I lost everything. All my savings, all the money from the checks and I was in the negative numbers in my balance. I called the bank and they told me that the checks I deposited were fake and I texted the guy and he never responded back when I told him/her that the checks were fake. I called the bank institution to report about the fraud incident, reported it to XXXX  and the sheriff. They all came back with nothing and I had no reimbursements.

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 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: OR

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes. 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 not possible.

Company response to consumer: Closed with explanation