vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraudulent activity. Additionally, I demand verifiable proof bearing my signature or electronic signature for these actions. 

Please note, I am sending this letter on my own behalf and not through a third party, so I urge you to review it carefully. I did not authorize these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ] regarding the blocking of information resulting from fraud or a data breach, as well as Section 604 [ 15 U.S.C. 1681b ], which governs permissible purposes for consumer reports. 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting parties. These accounts and inquiries are inaccurate and unauthorized, stemming from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.

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 — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Before I use to Zelle more and got scammed and never was a warning sign to anyone arm me if this scam or not

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: CA

Complaint narrative:
I came across the CFPB Experian lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response o my earlier dispute that the accounts were " verified '' Come with the receipts, or be quick to delete.

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: TX

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Subject : Request for Debt Verification Account Number XXXX Dear XXXX, I am writing to formally request verification of the debt you have listed under my name, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This is not a refusal to pay but a request for more information to verify the validity of the debt in question. 
I recently received notice of this debt, and I would like to ensure that the information you have is accurate and belongs to me. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX sends : 1. Assignment Contract 2. Original contract with wet signature 3. The name and address of the original creditor, along with any supporting documentation of the original debt.

4. Detailed list of the history of payment made by me on this account.

5. Proof that you are authorized to collect this debt by providing chain of title for the debt.

6. Insurance claim filed on this debt if any.

7. Evidence that the debt is within the statute of limitations for collection in my state. 
Please provide this information in writing to my address listed above. Additionally, I request that all future communication regarding this matter be conducted in writing only. 
Until the requested information is provided, I ask that you cease all collection activities regarding this debt, including reporting it to credit reporting agencies. Failure to provide the requested verification may constitute a violation of the FDCPA. 
Thank you for your attention to this matter. I look forward to receiving the requested information within the 30-day timeframe. 
Sincerely, XXXX XXXX

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: WI

Complaint narrative:
I am filing a complain against Cash App ( Block, lnc. ) due to inadequate customer service & unfair practices, which which violate the Consumer Finacial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely & effective measures to prevent an address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their despite resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. These actions have caused significant inconvenience and financial loss, & 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: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
They exposed my info, took money out of my account, allowed hackers to charge me for purchases I didnt make, fees, no live reporting

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: SC

Complaint narrative:
I am writing to file a claim with 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 2025-01-20 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: AL

Complaint narrative:
I am filing this complaint a

gainst Experian Information Services for failing to conduct a reasonable investigation of my disputes, in violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting disputes with supporting documentation, the credit bureau failed to forward all relevant information and documents I provided to the furnishers. Conduct a reasonable reinvestigation, instead relying on inaccurate or incomplete automated responses from furnishers. They also failed to provide clear and accurate results of their investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 
They also failed to remove or correct inaccurate information on my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

The bureau 's failure to uphold its legal obligations has caused harm to my creditworthiness and ability to secure financial opportunities. I demand that the CFPB hold Experian Consumer Services accountable and ensure the inaccuracies are promptly 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 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: CA

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 the violation here

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: NV

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 2025-01-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite submitting the necessary documentation and evidence to support my dispute, Equifax has consistently responded within 24 hours, stating that the account is accurate without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation of disputed information. Additionally, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPB ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. 

XXXXXXXX XXXX XXXX, Equifax Account # XXXX Equifaxs failure to adhere to federal guidelines has negatively impacted my creditworthiness and hindered my ability to obtain credit opportunities. I urge the CFPB to take appropriate action to ensure Equifax complies with federal laws and provides consumers with the required proof of a thorough investigation. 

Thank you for your attention to this matter. I look forward to your prompt 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filling a complaint with Equifax for failing to properly investigate my dispute regarding inadequacies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here is the account that I have marked as inaccurate : XXXX XXXX XXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed an account that was not reporting accurately. I have one thirty-day late payment for XX/XX/year> ( account number : XXXX ) which in fact was paid on time. There was a payment of {$25.00} made on XX/XX/year>. The consumers reporting agencies have an obligation to report all information with complete accuracy according to the fair credit reporting act. This account reporting is in blatant violation of 1681b fair credit reporting act and has not been late on payments Ive attached a copy of my report to this complaint. I demand this account be updated to on time never late immediately as required by law. Thank you for your understanding and prompt action.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute telemarketing activities conducted by 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 that appear to violate the Telemarketing Sales Rule ( TSR ) and other applicable laws. Specifically, under the Telemarketing Act, 15 U.S.C. 6103 ( a ) and ( f ) ( 2 ), the States of Colorado and Minnesota, by their respective Attorneys General, are authorized to take legal action to enjoin such activities and enforce compliance with the TSR. 

I believe 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 has engaged in activities that contravene these provisions. These actions have caused distressed in my day to day life. 

Pursuant to the Telemarketing Act and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5552 ( a ), enforcement is also permissible to secure damages, restitution, and other remedies for affected consumers. As such, I request : 1. A complete and immediate cessation of all telemarketing communications directed at my phone number ( s ) : XXXX 2. Documentation of any agreements or authorizations you allege permit such communications. 
3. Compensation for any damages or harm caused by the aforementioned activities. 

If this issue is not resolved promptly, I may escalate this matter to the appropriate state or federal authorities, including the Attorneys General of Colorado and Minnesota, who are empowered to enforce these laws and protect consumers rights. 

Please respond to this dispute within reasonable timeframe, e.g., 30 days from the date of this letter. Failure to address this matter adequately may leave me with no option but to pursue additional legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute telemarketing activities conducted by 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  that appear to violate the Telemarketing Sales Rule ( TSR ) and other applicable laws. Specifically, under the Telemarketing Act, 15 U.S.C. 6103 ( a ) and ( f ) ( 2 ), the States of Colorado and Minnesota, by their respective Attorneys General, are authorized to take legal action to enjoin such activities and enforce compliance with the TSR. 

I believe 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 has engaged in activities that contravene these provisions. These actions have caused distressed in my day to day life. 

Pursuant to the Telemarketing Act and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5552 ( a ), enforcement is also permissible to secure damages, restitution, and other remedies for affected consumers. As such, I request : 1. A complete and immediate cessation of all telemarketing communications directed at my phone number ( XXXX ) : XXXX XXXX. Documentation of any agreements or authorizations you allege permit such communications. 
XXXX. Compensation for any damages or harm caused by the aforementioned activities. 

If this issue is not resolved promptly, I may escalate this matter to the appropriate state or federal authorities, including the Attorneys General of Colorado and Minnesota, who are empowered to enforce these laws and protect consumers rights. 

Please respond to this dispute within reasonable timeframe, e.g., 30 days from the date of this letter. Failure to address this matter adequately may leave me with no option but to pursue additional legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response

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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX 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 XXXX, 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.

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: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and affective 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 cause 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: 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: CA

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 ond dece ve, as the 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