vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
Subject : Request for Investigation of Unverified Bankruptcy Reporting Dear CFPB Team, I am writing to formally report an issue I am experiencing with XXXX, XXXX, and Experian, as they have failed to adequately investigate a bankruptcy reference number XXXX that is currently being reported on my credit report. I believe this entry is unverified and inaccurate, which is negatively impacting my creditworthiness. 

On XX/XX/year>, I submitted a dispute to XXXX, XXXX and Experian, providing documentation that supports my claim that the bankruptcy was not filed by me. According to the Fair Credit Reporting Act, I understand that credit bureaus are required to investigate disputes in a timely manner. However, I have not received a satisfactory response or resolution from XXXX. 

Despite my efforts to clarify this matter, the unverified bankruptcy remains on my credit report, affecting my ability to secure loans and credit. This situation is unjust and contrary to the protections afforded to consumers under the law. 

I kindly request that the CFPB investigate this matter further. I am seeking assistance in ensuring that XXXX, XXXX and Experian, fulfills its obligation to verify the accuracy of the information it reports and removes any unverified entries from my credit report. 

Thank you for your attention to this pressing issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
TD bank incorrectly deposited another customers checks into my account XXXX on XX/XX/year> in the amount of {$1900.00}. The deposit was reversed the day after. 

I am trustee on this account and I need to account for every transaction posted to this account. I requested a letter indicating that this is a bank error. Customer service could not help. I tried calling a branch but could not get through. 

From what I can tell the deposit should have gone into an account with the name of " XXXX XXXX ''. It appears a teller keyed the wrong account number in. 

I need written documentation from TD bank indicating that this deposit and reversal is a TD bank Error. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
My issue is with Blockchain.com and from what I understand more people have been through the same thing. Ive now been waiting almost XXXX months for my XXXX to be completed and this has not been done. Ive repeatedly reached out to Blockchain and they refuse to update my case. 

It all started with their platform not allowing me to withdraw my funds and I reached out to them. I was told to reset my password as to reset XXXX so the issue can be fixed. Ive done that and then they asked for additional information which i provided them. After that Its been over a month since they answered and I keep opening new tickets however they keep telling me they cant access that case and that the relevant team would reach out but this has still not been done. 

I have over {$500.00} on their platform which is a substantial amount and I have no access to these funds for months now. 
I would like my funds to be moved off their platform as its been basically held hostage for months regardless of me providing the necessary information. 

My XXXX XXXX is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 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 2025-01-27 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: MOHELA
State: SC

Complaint narrative:
I filed a dispute on several occasions with Mohela/Dept of Education on several accounts because they are attempting to collect money for a school that has been closed since XXXX, I have also filed a complaint with The Dept of ED 3 years ago. These accounts are on all 3 credit reporting agencies in which I have disputed them for the last 5 years. These accounts are as follows with what they say is due, XXXX Direct Loan - Subsidized School XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX Repayment Plan Income-Based Repayment {$2000.00} 3.400 % XX/XX/XXXX School XXXX XXXX XXXX Loan Status Repayment Estimated Payoff Date XXXX/XXXX/XXXX Repayment Plan Income-Based Repayment {$4800.00} 6.800 % XX/XX/XXXX. XXXX denied to follow up with the investigation. I recently was notified that the CFPB has filed a lawsuit against XXXX. They alleged the conpany of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed immediately as it is affecting my chances of getting a home. XXXX violates my rights as a consumer, as well as federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AK

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 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 2025-01-27 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: WI

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft connected to the recent data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include : Fraudulent Accounts : 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 To assist in your investigation and fulfill your legal obligations, I have provided the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report The data breach has caused me considerable distress and financial harm. I demand that XXXX take immediate action to block and permanently delete these fraudulent entries from my credit report. Additionally, I expect written confirmation that this information has been removed and an explanation of any findings related to your investigation. 
Should you fail to comply with this request, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant authorities to ensure that my rights are fully upheld under the law. 
Please confirm receipt of this letter and provide a resolution within the timeframe required by federal law. Should you need further information, you may contact me at the contact information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
I am writing regarding a debt that you claim I owe, referenced by the account, XXXX XXXX Credit Card. Under the Fair Credit Reporting Act ( FCRA ) this account is reported on my credit report balance owed. This account has been transfer, sold to a collection agency. Therefore, you are continue to report inaccurate information on this account. My right as the consumer you are harming my credit score and creditworthiness. If you can not verify this account accurately as by the federal law I will seek legal assistance.

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 2025-01-27 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: VA

Complaint narrative:
I am writing regarding a debt that you claim I owe, referenced by the account, XXXX XXXX Credit Card. Under the Fair Credit Reporting Act ( FCRA ) this account is reported on my credit report balance owed. This account has been transfer, sold to a collection agency. Therefore, you are continue to report inaccurate information on this account. My right as the consumer you are harming my credit score and creditworthiness. If you can not verify this account accurately as by the federal law I will seek legal assistance.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Inaccurate Credit Report and Failure to Conduct Thorough Investigation Experian Dear Sir/Madam, I am writing to formally request your immediate intervention regarding a matter of inaccurate reporting on my credit report by Experian. Despite my diligent efforts to dispute erroneous entries on my credit report, Experian has failed to conduct a thorough and accurate investigation into the validity of the accounts in question. As a result, these inaccuracies have remained unresolved and continue to negatively impact my credit. 

The inaccurate information on my Experian credit report does not reflect the true status of my accounts, and its continued presence is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that all information reported must be accurate and verifiable. Furthermore, under FCRA Section 611 ( a ) ( 1 ), upon receiving a dispute, Experian is required to conduct a reasonable investigation and correct any inaccuracies within a reasonable time frame, typically 30 days. Experian 's failure to do so constitutes a violation of my rights as a consumer. 

Additionally, under FCRA Section 605, any negative information that can not be verified as accurate must be removed from a consumer 's credit report. Since Experian has failed to properly investigate and verify the accounts in question, I am requesting that you assist in ensuring that Experian immediately removes these inaccuracies from my credit report, as they are not substantiated by factual evidence. 

I am aware that Experian is currently facing legal action for their failure to comply with these very requirements. Given this, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to enforce my rights under the law and ensure that Experian corrects these errors, as I am entitled to a credit report that accurately reflects my financial history. 

Please take action to compel Experian to comply with the Fair Credit Reporting Act and remove the incorrect entries from my credit report. I trust that the CFPB will hold Experian accountable for their failure to conduct a proper investigation, as outlined in the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/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 2025-01-27 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: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-27 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 to formula discuss my concerns regarding Zelle to 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 informed me the lost funds was impossible and that tracking these were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I never done any business with this company. They stated they were collecting a old debt for XXXX. I contacted XXXX and returned the equipment long ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, often than records of conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
My wife and I was to purchase a vehicle from XXXX XXXX, we didn't like the deal they offered so we went elsewhere. We did purchase a vehicle from another dealership .after we left XXXX XXXX they continued to run our credit over and over.for two-to three days they did this, for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized Collection Activity on My Account Dear CBPF Collections Department, I am writing to formally dispute the collection activity on my account regarding an alleged credit card debt of {$670.00}, which I categorically deny owing. I have never owned or used a credit card the above creditor as original creditor.This is false, fraud and deception.I have not obtained credit card from this company.

I kindly request that you cease all collection activities and provide verifiable proof of the alleged debt, including any signed agreements or documented transactions that link this debt to me. Failure to provide sufficient evidence will result in further action to protect my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.

Please acknowledge this dispute in writing and confirm the removal of this erroneous collection from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: DISCOVER BANK
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 USC 1681b 2. They also have no permission to rep ANYTHING using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation