vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has verified inaccurate information about a XXXX XXXX XXXX account on my credit report without providing clear evidence or explanation on how it was verified. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates credit bureaus to conduct a reasonable investigation and verify the accuracy of disputed information.

15 U.S.C. 1681e ( b ) : Prohibits reporting inaccurate information known to be unverifiable. 
Despite multiple disputes, TransUnion has continued to report this inaccurate information without obtaining proper documentation from XXXX XXXX XXXX or explaining their verification process. This failure to comply with FCRA not only damages my credit but also erodes trust in the dispute resolution process. 

If TransUnion can not demonstrate compliance by providing evidence or a detailed explanation of their verification process, I request that this account be immediately removed or corrected.

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: 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: FL

Complaint narrative:
Iam filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. which mandates a reasonable investigation of disputes.Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBS recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-20 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: LA

Complaint narrative:
Navy federal have had my account going in negative and causing my account to have overdraft issues and waiting to post payments to have it in negative and also allowing charges that I have told them was not correct to be charged to my account

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: 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: FL

Complaint narrative:
Equifax has verified inaccurate information about a XXXX XXXX XXXX account on my credit report without providing clear evidence or explanation on how it was verified. This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable investigation and verify the accuracy of disputed information.

15 U.S.C. 1681e ( b ) : Prohibits reporting inaccurate or unverifiable information.

Despite multiple disputes, Equifax has repeatedly confirmed the accuracy of this account without obtaining or providing sufficient documentation from XXXX XXXX XXXX or explaining the verification process. This failure to comply with FCRA obligations has negatively impacted my credit and financial standing. 

If Equifax can not demonstrate compliance by providing evidence or a detailed explanation of their verification process, I request that this account be immediately removed or corrected.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : Account Name : XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These late payments are inaccurate and have caused significant harm to my creditworthiness. I previously disputed these errors in a letter sent to TransUnion on XX/XX/XXXX, which is attached to this complaint and includes a date and time stamp. Despite this, TransUnion has failed to conduct a proper investigation or provide accurate results. 

This failure aligns with the recent CFPB and FTC actions against TransUnion for illegal practices related to credit reporting. According to the CFPB, TransUnion has a history of failing to ensure the accuracy of information on consumer reports, resulting in harm to consumers. 

Under 15 U.S. Code 1681i, TransUnion is obligated to thoroughly investigate disputed information and ensure its accuracy. Their failure to do so in this case violates the Fair Credit Reporting Act ( FCRA ) and has caused financial harm and emotional distress. 

I have attached the dispute letter, along with documentation supporting my claim, including account details and evidence of inaccuracies. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. Additionally, I request written confirmation of these updates.

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 2025-01-20 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: TX

Complaint narrative:
Wrong charges and accounts that dont belong 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 explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXXXXXX Account Number : XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the XXXX timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious 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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute XXXX 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX  XXXX Account XXXX : XXXX Error : Improper account information reported. 

It appears that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the XXXX timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite my frequent use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle have failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings suggest that Zelle has not only failed 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 deeply concerning and raises serious questions about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: KY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, 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 2025-01-20 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 unpretected.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute Experian 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : XXXX XXXX XXXX Account XXXX Error : Improper account information reported. 

It appears that Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 

I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 
Please note that I expect a response within the 30-day timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious 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 explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XX/XX/XXXX Both XXXX and Experian are extremely inefficient and user-UNFRIENDLY. If the user sets up an account with these credit reporting companies, they will not allow the customer to log in with password and user name set up previously. Then they require long hold times to speak with a customer representative. And before speaking with a representative the customer is REQUIRED to answer a plethora of time-consuming security questions going back DECADES which can not be bypassed and is still refused automated service!!! Finally the customer is THEN put on hold interminably for a live representative.

WHO HAS TIME FOR THIS?????

Because these credit reporting agencies are now central to the employment, housing and financial lives of ALL AMERICANS, they should be far, far more efficient and customer-friendly. 

XXXX is extremely efficient and always has been efficient and helpful, even before the internet. I was victim of ID fraud in XXXX and it was XXXX who helped me resolve the problem, which took XXXX years ( while I was working XXXX jobs and taking care of my father ) to resolve. 

XXXX and Experian need to be fired or completely restructured so that they can fulfill their duty EFFICIENTLY FOR THE CUSTOMER. 

How working people in this country can apply for a simple loan mystifies me. It took me XXXX DAYS to temporarily lift freezes with these credit bureaus for a tiny little {$2500.00} loan for flooring replacement. Can not IMAGINE what dealing with these companies for a home or auto loan ( or medical loan -- only in the backwards XXXX ) would entail. 

And I am retired. Do working people have to take sick leave ( if they have it ) or vacation time ( if they have it ) to get information from these incompetent credit bureaus? 

Both XXXX and Experian customer service currently is unacceptable and should be shut down. They should be REQUIRED to restructure their customer service so that it is far more efficient and transparent and stress-free so that they can serve their customers seamlessly.

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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts were created without my consent. My information was exposed in data breach and from a previous marriage.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filling 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Money was sent from my account thru Zelle without my consent multiple times. reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Well I got a capital one silver card I had it for at lease 4 to 5 years my credit never went up and I paid more than 6 month consecutive and then I get a car loan a XXXX XXXX XXXX XXXXXXXXXXXX I get in a car accident in Michigan I found out the laws different so it comes up non fault on both parties so I have liability but I paid for gap insurance on the car I bought the car for XXXX so the car was total out they sad my gap could work cause the car was worth XXXX a used car so Im stuck paying on a car I dont even have I ask them do they want the car back they said no

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: NY

Complaint narrative:
XXXX XXXX service members wife accrued lots of overdraft fees over the years. Looking to have them all refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation