vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I manually verified a XXXX XXXX  account to be able to use the account to electronically transfer money from my old national personal checking account. This required me to confirm the 2 random deposit amounts that were submitted by old national bank into my XXXX XXXX account. I did this and successfully verified the account for transfers from old national to XXXX. 

On XX/XX/year>XXXX  I submitted an external transfer from my old national account to XXXX. I received an email shortly after telling me that my transfer was unsuccessful and that my funds would be returned to my old national bank account within 3 to 5 business days. It has now been 8 business days and the money is not in my old national bank account or XXXX XXXX XXXX account that I wanted it to be submitted to. Every time I have called old national bank they have given be a different answer as to why I havent received my money back into my account.

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 2025-01-18 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:
To whom it may concern, I am writing to express my concerns using zelle. The CFPBS findings have not only neglected to protect consumers, but have allowed repeat offenders to the system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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. 

The following accounts have been reported as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Im here writing regarding of my concerns of Zelles organizing of disputes, specifically of the recent CFPB lawsuit issued with the platform. As a user of Zelle for many years and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and just such thing to do so. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed to 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 2025-01-18 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: FL

Complaint narrative:
Subject : Noncompliance with FCRA ( 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) ) Complaint : I am filing this complaint against XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Failure to Ensure Accuracy ( 15 USC 1681e ( b ) ) : XXXX  failed to maintain reasonable procedures to ensure the accuracy of information on my credit report, as evidenced by multiple inaccuracies I have disputed. 


XXXX. Failure to Correct Errors ( 15 USC 1681s-2 ) : Despite notifying XXXX of specific errors in my credit report, they have failed to conduct a proper investigation or correct the inaccuracies, violating their duty to investigate disputes promptly and thoroughly. 


XXXX. Failure to Investigate Disputes Properly ( 15 USC 1681i ( 5 ) ) : XXXX responses to my disputes have been inadequate, often containing generic responses or failing to provide any substantive resolution.

4. Failure to Exclude Obsolete Information ( 15 USC 1681c ( c ) ) : My credit report contains outdated or otherwise impermissible information that should have been excluded under FCRA. 



Additionally, I am aware of the recent CFPB enforcement action against XXXX, where they were ordered to pay {$15.00} XXXX for failing to properly investigate credit reporting errors. This highlights a pattern of noncompliance and further supports my claim that XXXX has violated my rights under the FCRA. 

Impact on Me : XXXX failures have caused me significant harm, including denial of credit, increased interest rates, and emotional distress. Their actions have impeded my efforts to rebuild my credit and achieve financial stability. 

Resolution Requested : I request that the CFPB take the following actions : Investigate Equifaxs handling of my disputes. 

Ensure that XXXX complies with the FCRA by correcting the inaccuracies on my credit report. 

Impose penalties or sanctions if appropriate. 


Attached are copies of my dispute letters, XXXX responses, and evidence of inaccuracies on my credit report. Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 2025-01-18 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 2025-01-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
AS OF XXXX OF 2024 I BECAME THE POWER OF ATTORNEY AND REPRESENTATIVE FOR MY FATHER XXXX XXXX XXXX WHO HAS HAD ACCOUNTS AT BANK OF AMERICA IN XXXX XXXX XXXX ARKANSAS FOR OVER 20 YEARS. MY AUNT, XXXX XXXX WAS THE PREVIOUS POWER OF ATTORNEY. THE BANK HAS DENIED OUR POWER OF ATTORNEY, THEY HAVE DENIED US ACCESS TO THE ACCOUNTS WHICH RESULTED IN MY FATHER BEING IMMEDIATELY DISCHARGED FROM THE NURSING FACILITY HE WAS LIVING IN DUE TO INABILITY TO PAY. AND ALSO HAS CAUSED A GREAT STRAIN AND HARDSHIP ON OUR FAMILY. THE BANK HAS EVEN WENT AS FAR AS TO CALL ADULT PROTECTIVE SERVICES AND SEND THEM TO OUR HOUSE STATING THAT MY WIFE AND I WERE TRYING TO ACCESS HIS ACCOUNTS FOR OUR OWN GAINS AND WERE NOT TAKING CARE OF MY FATHER. 
THE STAFF HAS BEEN VERY DISRESPECTFUL, UNPROFESSIONAL, UNCOOPERATIVE AND VERY DEMEANING TO OUR FAMILY. ESPECIALLY THE BRANCH MANAGERS AND ASSISTANT MANAGERS AT XXXX XXXX, XXXX XXXX XXXX  LOCATION AND XXXX XXXX XXXX XXXX XXXX  LOCATION.

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 2025-01-18 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$690.00} XXXX XXXXXXXX XXXX {$690.00} Date Opened XX/XX/XXXX XXXX XXXX {$110.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$690.00} XXXX XXXX XXXX {$690.00} Date Opened XX/XX/XXXX XXXX XXXX {$110.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to report an account listed on my credit report that I believe is inaccurate and does not belong to me. The account in question is XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

Details of the Situation - XXXX # XXXX The account was reported on my credit report dated XXXX and shows closed, such as the balance {$3300.00} payment status, - **Inaccuracy** : I have no affiliation with this account. I have never opened, used, or authorized any transactions related to this account. This could be a case of identity theft, a clerical error, or inaccurate reporting. 
- **Impact** : The presence of this inaccurate account has negatively affected my credit score and my ability to obtain credit. I have been denied credit applications and faced higher interest rates because of this erroneous information. 

**Actions Taken** : I have already attempted to resolve this issue by [ describe any previous actions you have taken, such as contacting the creditor, disputing with credit bureaus, etc. ]. Unfortunately, these efforts have not resulted in the removal or correction of this account from my credit report. 

**Resolution Requested** : I request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of the inaccurate account from my credit report. I believe that correcting this error is essential to ensure my credit report accurately reflects my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to report an account listed on my credit report that I believe is inaccurate and does not belong to me. The account in question is XXXX XXXX XXXX  XXXX XXXX 

Details of the Situation - XXXX # XXXX The account was reported on my credit report dated XXXX and shows closed, such as the balance {$3300.00} payment status, - **Inaccuracy** : I have no affiliation with this account. I have never opened, used, or authorized any transactions related to this account. This could be a case of identity theft, a clerical error, or inaccurate reporting. 
- **Impact** : The presence of this inaccurate account has negatively affected my credit score and my ability to obtain credit. I have been denied credit applications and faced higher interest rates because of this erroneous information. 

**Actions Taken** : I have already attempted to resolve this issue by [ describe any previous actions you have taken, such as contacting the creditor, disputing with credit bureaus, etc. ]. Unfortunately, these efforts have not resulted in the removal or correction of this account from my credit report. 

**Resolution Requested** : I request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of the inaccurate account from my credit report. I believe that correcting this error is essential to ensure my credit report accurately reflects my credit history.

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-18 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 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 violation 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: ND

Complaint narrative:
I am writing to 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 delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified 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