vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Despite my multiple disputes and requests for a proper investigation, this account remains on my credit report without adequate verification or correction from Experian. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct a reasonable investigation into disputed accounts, yet the responses I have received thus far lack transparency and do not resolve the issue.This account doesn't belong to me and Experian is doing nothing about it. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-21 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: GA

Complaint narrative:
In Equifax my mortage through XXXX mortage is showing closed. I still have my mortage never been late. I have reached out to Equifax and I have reached out to the mortage company. The mortage company said that they report to all 3 bureaus every month. It shows in the other 2 except for Equifax. Equifax havent shown me anything to why they have my account closed. I have asked for proper documentation several times and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 express any 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 finding indicates 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 2025-01-21 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 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: VA

Complaint narrative:
I have continued to communicate with the credit report agencies TransUnion and XXXX but they continue to state that the report is correct which it is not. I have provided the closing statement for the creditor in question and no changes have been XXXX have uploaded the balance shown on XXXX that TransUnion and XXXX should be similarity reflecting.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a systematic transfer of funds from my business checking account to my personal checking account. Both accounts are with the same financial institution. The transfer is set up on the 1st of the month. The same day I have my mortgage payment set on automatic payment. My mortgage is also set with the same financial institution. In XXXX XXXX- they processed the debit early in the morning and the credit after XXXX at night and therefore there were insufficient funds to make the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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 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 scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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. Specifically, cash app failed to take timely 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 and resolution requirements under the Electronic Fund and 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 2025-01-21 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: MO

Complaint narrative:
I am formally expressing my concerns regarding XXXX handling of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Please block and remove the following accounts Due to Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to adequately investigate my claims. I was informed 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. 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 2025-01-21 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: MO

Complaint narrative:
I am writing to file a complaint regarding an unresolved dispute on my credit report. I have been impacted by multiple data breaches, and after reviewing my credit reports from all three major credit bureaus ( Equifax, XXXX, and XXXX ), I noticed several inaccuracies, including addresses where I have never resided and collection accounts I do not recognize. 

Despite my efforts to dispute these discrepancies multiple times, including submitting disputes directly to the credit bureaus and providing supporting documentation, the incorrect information has not been removed or resolved. I have made multiple attempts to correct this issue, but no changes have been made, and the errors remain on my credit report. 

Specifically : I noticed incorrect addresses that I have never resided at. 
There are collection accounts listed that I do not recognize and believe are fraudulent. 
My disputes have not been fully investigated, nor have I received any meaningful responses or resolutions from the credit bureaus. 
I have complied with all requirements for submitting disputes, yet the credit bureaus have failed to resolve the inaccuracies, and the information continues to adversely affect my credit score and overall financial health. 

I have attached supporting documents, including dispute submission confirmation, communication logs, and a copy of my credit report showing the inaccuracies. These documents are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I ordered a package from the merchant union supply direct For {$130.00} and XXXX cents, I canceled the order on XX/XX/XXXX and my card was still charged after the fact that I canceled it. Upon calling the merchant to confirm that what I ordered was canceled they asked me what card I used and I told them I used cash app, they informed me that they do not work with cash app. I didnt understand why my card was still charged by them if they did not accept cash app. Union supply direct proceeded to tell me that there was nothing they can do for me and that a refund was issued to my card that was used on XX/XX/XXXX. Meanwhile, I called Cash App and I was told to wait XXXX to 14 days and the refund should be issued on my account. I waited the XXXX to 14 days and there was still nothing on my account. I called Cash app and they gave me the option to file a dispute which I did over the phone with the representative. The representative from Cash App asked if I had documentation of me canceling the order I placed which I did and submitted everything I was told would help me to get my refund. They also asked me if I had a refund receipt which I did not because the merchant union supply said they could not provide me with one. The following day I received a notification stating that my dispute was denied, I requested more information as to why my dispute was denied, and the reason being they claimed that I did not provide any documents which is false because I did. I called Cash App and another representative told me that I could file another dispute which I did over the phone with them. The same thing happened. I have filed seven disputes for the same transaction which all have been denied. I finally was able to get an email from the supervisor from the merchant union supply stating that they did in fact refund my {$130.00} on XX/XX/XXXX along with my refund voucher code. Attempting my eighth dispute with cash app, I tried checking on the status of my dispute and the transaction is unable to load, please try again later. I called Cash App asking why it now says there, and they were unable to provide you with any information. all I am trying to do is resolve this issue and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Attempted to request payoff letter over the course of a week. Processing times extraordinary and nearly impossible to get ahold of anyone with authority to address request or explain why request hasnt been processed

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Through the XXXX bank website, I initiated a transfer from my XXXX XXXX  checking account to my XXXX Money Market account on XX/XX/XXXX, XXXX rejected the deposit and as of XX/XX/XXXX, the money has not been returned to me. I contacted XXXX regarding this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told numerous times that the money is on its way back to my XXXX account. Now XXXX is saying I need to contact XXXX and request the transfer be returned. 
I contacted XXXX on XX/XX/XXXX regarding this and they had me fill out a dispute form. They have requested info from XXXX on XX/XX/XXXX. As of my phone conversation with XXXX XXXX XXXX XXXX  today, XX/XX/XXXX has not responded. 
I want my {$37000.00} back, with interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Someone opened up XXXX accounts under my name at XXXX Georgia and I never lived there. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed 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 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/ Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Someone opened up XXXX accounts under my name at XXXX Georgia and I never lived there. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed 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 XXXX Experian XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Experian/ 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 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On the month of XXXX XX/XX/2024 my landlord notified tenants that they had to make full rent payments by the XXXX of XX/XX/2024. We have been making partial payments previously. I called the VA homeless hotline to see if I could get funding. They stated that I have to received a Notice to Vacate from them to assist me. I received a call from a company I am familiar on the XXXX XX/XX/2024 and set up a meeting on the XXXX of XX/XX/2024. I took the loan offer to avoid eviction. The loan has high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I was scammed XXXX by some impostors who claimed to be assisting people with purchasing stocks with high earned profit thus I was with the group for about 2 months and eventually we realized it was a scam after several red flags I alerted my bank to assist me to contact recipient banks to make recall of the funds.

My banks contacted the recipient banks and the banks claimed that the customers ( scammers ) refused to accept the recalls.

Thus I have been in limbo for about 3 months on the whole situation.

I tried to walk across to the FBI office to report the issue but till date am yet to get a valid response from FBI. 3 well known banks in New York are involved in the matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX and Equifax I have worked and sent in letters for the past XXXX years about my personal information and also inquiries and accounts to be updated and taken off. The only responses I receive are we see you are trying to dispute your credit please provide more information and send in proof etc. I have called them and nobody can ever help me or they tell me to wait months for a change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am writing to file a complaint against USAA 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 USAAl for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my accounts transaction

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 2025-01-21 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 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 this platfor, 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 2025-01-21 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-21 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: NY

Complaint narrative:
i submitted my credit for a refinance of my home was issued my report and there was on XX/XX/year> a fraudulent account for the amount of {$800.00} taking out with XXXX XXXX XXXX  using my personal information fraudulently

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