vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these was infeasible. 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Creditor furnishing inaccurate information that is related to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
XX/XX/year> I submitted a dispute to Experian. XX/XX/year> I got a reply stating " The dispute for the account with XXXX XXXX  that starts with XXXX has been received and should be completed by XXXX. '' XX/XX/year> I got an alert saying the 'The incorrect account with XXXX XXXX  that starts with XXXX has not been changed and will remain on your credit report. '' According to the FCRA, Experian is supposed to conduct a thorough investigation and provide me proof that the account does belong to me, or delete or make corrections to my report to reflect accurate data. The investigation took 4 days, so I expect Experian got something to justify keeping this negative account on my credit report, however no documentation, reason or proof was provided to me to validate this account. My rights, protected by the FCRA, have been violated and malpractice is evident. 

Attached to my complaint I have provided : 1.When dispute was submitted 2. Copy of errors and mismatches between Experian, XXXX and XXXX XXXX. Reply from Experian

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 2025-01-22 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 filling out a complaint against Cash App. 
( Block , inc ) due to inadequate customer service unfair practice. 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 requirement under the electronic find transfer act ( EFTA ) and regulations E. These actions. Has caused significant inconvenience and financial loss, and I seek appropriate appropriate redress for this violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX FUNDING, Dont know who they are. This compan never contacted me. Never signedf any documents with this vendor. Dont know how they aquried my information like SS, name phone number. Requested information of orginal lenders, refuss to give. Requried that I must give Social Security to Validate account. Refused to answer any of my question. Requested proof of balance was denied. There is no way to validate their information. Was threaten over the phone that i woukld be sued and employer would be contacted if not paid. with all the data breach from XXXX  and alert that my information was exposed. I asked for company validation and they would not provide. I asked what address they had on file that information was also denied. Please help. my employment is being threaten.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writting to formally express my concerns regarding Zelle 's handling of disputes, particullarly in the light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investegate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFCBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I disputed a transaction with Apple Card for a purchase made at XXXX on XX/XX/XXXX, for the amount of {$210.00}. The dispute was filed because the item I purchased had issues and needed to be returned within XXXX 's stated 30-day return window. Despite this, XXXX 's system created technical difficulties that prevented me from processing the return. 

To support my case, I submitted the following evidence through Apple Cards chat system : A copy of the XXXX receipt, clearly showing the purchase date and 30-day return policy. 
Screenshots and documentation of the technical difficulties I encountered when attempting to process the return. 

Timeline of Events : XX/XX/XXXX : Apple Card confirmed receiving my dispute under case number XXXX. I was informed that the dispute was accepted, and a temporary credit of {$210.00} was issued while the investigation was underway. 
XX/XX/XXXX ( later ) : I was informed that Goldman Sachs Bank USA contacted XXXX to request additional information, with a resolution expected by XX/XX/XXXX. XXXX was given a response deadline of XX/XX/XXXX. 
XX/XX/XXXX : Apple Card updated me that the merchant responded, and Goldman Sachs Bank USA was reviewing the documentation provided by XXXX. I was again told that the investigation would conclude by XX/XX/XXXX. 
XX/XX/XXXX : I received an email from Apple Card that mistakenly categorized my dispute as a service-related issue instead of a product return. This misclassification has delayed and complicated the dispute resolution process. 

Even at the time of my follow-up email on XX/XX/XXXX, the item was still within XXXX 30-day return window. I reiterated the issue and resubmitted supporting documents, but the dispute was still improperly handled. The attachments, which included my XXXX receipt and screenshots showing failed return attempts, were not reviewed adequately. It is surprising and disappointing that the dispute team failed to consider the evidence provided. 

Dispute Case Details : Dispute Case Number : XXXX Transaction Date : XX/XX/XXXX Merchant Name : XXXX Disputed Amount : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-01-22 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:
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 delay posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings from the CFPB, which identified a 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 2025-01-22 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: NV

Complaint narrative:
I am writing to dispute the inconsistent information appearing on my credit report regarding one of my accounts. According to my recent credit report, there are two different entries for the same account with conflicting information, which I believe to be an error on your part.

15 U.S.C. 1681 et seq. is the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and how accurate and fair they are. The FCRA requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of their reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute the inconsistent information appearing on my credit report regarding one of my accounts. According to my recent credit report, there are two different entries for the same account with conflicting information, which I believe to be an error on your part.

15 U.S.C. 1681 et seq. is the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and how accurate and fair they are. The FCRA requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the accuracy of their reports

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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  loans ( account numbers ending in XXXX, XXXX, and XXXX ) opened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by the Dept of Education, and a collection account ( account number unknown ) opened by XXXX  ( XXXX XXXX XXXX  ) in XXXX. A credit card opened by XXXX XXXX XXXX  ( Account number starts with XXXX ) and XXXX XXXX XXXX  ( account ending in XXXX ) in XX/XX/XXXX. An auto loan through XXXX XXXX XXXX XXXX  ( account number starts with XXXX ) opened in XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX ( account number starts with XXXX ) opened in XX/XX/XXXX, and a credit card through XXXX ( account number starts with XXXX ) in XXXX XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 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: LA

Complaint narrative:
XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic issues, including its failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of dispute outcomes. 
These failures align with my own experience, where XXXX has failed to correct or remove disputed information, instead maintaining that the account is accurate without providing evidence of a thorough investigation. This practice directly violates the requirements of the FCRA, which mandates a reasonable and thorough review of disputes. 
Additionally, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). These violations are consistent with findings in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against similar credit reporting practices. 
I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with documented proof of reasonable investigations, as required by the FCRA and CFPA. 
These are the accounts I want removed : Dept of EducationXXXX 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 non-monetary relief
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic issues, including its failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of dispute outcomes. 
These failures align with my own experience, where XXXX has failed to correct or remove disputed information, instead maintaining that the account is accurate without providing evidence of a thorough investigation. This practice directly violates the requirements of the FCRA, which mandates a reasonable and thorough review of disputes. 
Additionally, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). These violations are consistent with findings in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against similar credit reporting practices. 
I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with documented proof of reasonable investigations, as required by the FCRA and CFPA. 
These are the accounts I want removed : Dept of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and have noticed fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.

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 2025-01-22 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and have noticed fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and have noticed fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.

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 2025-01-22 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly inlight of recent CFPB lawIsuit highlighting significant issues with the platform.Despite having my account numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation