vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Experian, along with several other financial institutions, for their repeated failures to uphold my rights under the Fair Credit Reporting Act ( FCRA ) and protect my personal information. Specifically, my concerns are as follows : Violations by Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian failed to properly investigate disputed items on my credit report, despite clear evidence that these accounts were inaccurate or unauthorized.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They failed to notify me of the results of their re-investigations within the required 5-business-day time frame after completing their investigation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian reinserted previously disputed and deleted information into my credit report without following the appropriate notice and certification procedures. 

These failures have caused harm to my credit standing, impacted my ability to secure credit, and represent a blatant violation of my consumer rights under the FCRA. 
Concerns About Other Financial Institutions : In addition, the following companies have repeatedly shared my Social Security number and personal information with third-party agencies without my knowledge or consent : XXXX XXXX XXXX XXXX sold my information on multiply occasions and denied doing so XXXX XXXX : sold my information close the account experian put it back onto my credit report XXXX XXXX XXXX XXXX  sold my information XXXX XXXX XXXX : sold my information XXXX XXXX XXXX  : never gave them authorizations The unauthorized sharing of my personal information raises serious concerns about privacy violations and puts my Social Security number at risk of being linked to a data breach. This careless handling of sensitive information could expose me to identity theft and other financial harms. 
Requested Actions : Investigate Experians practices regarding their failure to comply with FCRA regulations.

Conduct a thorough inquiry into the unauthorized sharing of my Social Security number and personal information by the listed companies. 
Ensure that all shared data is properly secured and that third-party transactions involving my personal information are fully authorized and compliant with the law. 
Thank you for your attention to this matter

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I sent my money to the wrong person using XXXX and i wasnt able to receive my money back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 eror resoltion requirements under the Electronie 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 information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Letter of Rescission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX Date : [ Insert Date ] Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Re : Notice of Rescission Pursuant to Regulation Z, 12 C.F.R. 1026.23 ( d ) Dear Credit Acceptance, This letter serves as a formal Notice of Rescission of my auto loan agreement under the Truth in Lending Act ( 15 U.S.C. 1635 ) and its implementing regulation, Regulation Z ( 12 C.F.R. 1026.23 ( d ) ). This rescission is based on multiple violations and fraudulent practices committed by Credit Acceptance and its associated dealership, XXXX XXXX XXXX XXXXXX/XX/XXXX 

Reasons for Rescission 1. Fraudulent Down Payment : The dealership fraudulently forced me to make a down payment during the transaction, violating 25 C.F.R. 11.417, which governs consumer credit transactions.

2. Failure to Disclose Fees : Fees associated with the loan were not properly disclosed as required by 18 U.S.C. 1348, making the transaction deceptive and unlawful.

3. Unauthorized Sale of Insurance : I was enrolled in service contracts, warranties, and roadside assistance programs that were not disclosed, and the dealership is unauthorized to sell such insurance products, in violation of 18 U.S.C. 1033.

4. Forgery of Signature : My signature on the loan documents was forged or unlawfully copied and pasted, in direct violation of 18 U.S.C. 1028, which governs identity fraud.

5. Failure to Provide Accurate Disclosures Under TILA : As a creditor, Credit Acceptance failed to disclose the true cost of borrowing, including interest-rate limits and finance charges, as required by the Truth in Lending Act ( TILA ). 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Email : XXXX Phone : 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 2025-01-19 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: MD

Complaint narrative:
I am writing to file a complaint reguarding multiple overdraft fees and return check fees applies to my account. These fees were assessed despite having sufficient funds at the time the transactions were authorized. However, due to the delay of posting charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the XXXX which identified similar practices with Navy Federal Credit Union. I believe these practices to be 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 2025-01-20 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Edu XXXX XXXX XXXX XXXX Via Dealer - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all 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 2025-01-19 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: KY

Complaint narrative:
Navy Federal Credit Union has been extremely slow to address prior issues as shown in the CFPB records, so we are going directly to CFPB on this one. 

We have a Checking Overdraft on our Checking account with NAVY FEDERAL CREDIT UNION. 

Today, we attempted to pay the Credit Card Bill online using the Checking Account with Overdraft Protection.

The Credit Card Payment would not process as it says that funds were low in the Checking Account. However, the Overdraft line of Credit was still showing that we had not used any OverDraft.

Navy Federal Credit Union prevented us from paying the Credit Card Payment today. see file. 

By their failure, NAVY FEDERAL CREDIT UNION denied us access to credit as the Credit Card will not work unless there is an unused credit line. Navy Federal Credit Union denied us access to our credit line in the OverDraft, and therefore Denied us access to the use of the Credit Card as we were not able to add sufficient funds using our Overdraft Credit line, thereby impairing our ability to use credit/make purchases on the credit card.

In short, NAVY FEDERAL CREDIT UNION unlawfully denied us access to Credit.

The supporting documents are attached. Navy Federal Credit Union has a recent history over the past 24 months of computer glitches and programming errors preventing accurate financial records and also has a history of transferring financial information to unauthorized third party agents such as XXXX XXXX and apparently access data to XXXX. 
CFPB has penalized Navy Federal Credit Union in the past for such activities concerning failure to provide Overdraft Protection.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles, handling of disputes, practically in light of the recent CFPB lawsuit, highlighted significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transaction were unfeasible. 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 rises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation
State: MS

Complaint narrative:
Account was closed due to 3rd party and account was never late due to the fair 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 2025-01-19 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: IL

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 transactions 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.The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Yes, I am making a complaint on XXXX XXXX against Cash app ( Block inc. ) They have left my account vulnerable and unprotected, which violates the consumer financial protection act ( CFPA ). They have failed to prevent and address the fraudulent activity on their platform and they havent taken the effective measures to prevent it from happening in the future. Furthermore, their dispute resolution process was oddly flawed 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 hardships, 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
Im 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: 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 formally express my concerns regarding XXXX 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 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Prince Parker & Associates
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX ( Case XXXX ) My file keeps showing over time FCRA violations : Late XXXXayments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Prince & Parker Associates ( {$1600.00} ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization, nor have I provided them with any other form of identification that would permit them to legally report this information. Prince & Parker Associates ( {$1600.00} ), accessed my credit report without my authorization and without any legitimate or permissible purpose. At no point did I initiate or consent to any financial relationship with Prince & Parker Associates. Despite being provided with sufficient evidence, Prince & Parker Associates failed to remove the fraudulent account from my credit file as required under FCRA. This unlawful access to my credit report, coupled with Prince & Parker Associates failure to take corrective action, has caused significant harm to my financial standing, character, and ability to obtain credit. The derogatory marks stemming from this identity theft have severely impacted my credit score, creating unnecessary hardship.

I am seeking the CFPB 's intervention to investigate Prince & Parker Associates for impermissible access to my credit report in violation of FCRA ; ensure that Prince & Parker Associates immediately remove the fraudulent mark from my credit report and hold Prince & Parker Associates accountable for failing to act in accordance with FCRA. I trust the CFPB will take swift and decisive action to rectify this matter. If Prince & Parker Associates fails to comply with my request to resolve this issue, I will have no choice but to explore additional legal options to protect my rights and financial well-being.

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