vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: SC

Complaint narrative:
the company closed down and the debt was settle in full and wrote it off on my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Social Security Number ending in XXXX ), Date of Birth : XX/XX/, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto loan account opened at XXXX XXXXXXXX XXXX XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 as proof from the US Federal Trade Commission that accounts, collections, and hard inquiries are the result of identity theft and fraud of the aforementioned consumer credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
In the end of XXXX, I was targeted by scammers who had my information and tricked and deceived me out of my tax returns money in the year XXXX. In the previous years I was targeted again by scammers who had entered my account accounts and transferred money into different accounts. I was also targeted into schemes where the scammers had enough information about me they would pretend to give me a job and then asked me to invest in to my job bye purchasing XXXX and to deposit into their company XXXX XXXX in order to start working and then stop responding. My data has been compromised and leak. The Scammer Targeted me so much it resulted in me having to file bankruptcy for my company. 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 proce 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against 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 2025-01-29 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: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the XXXX XXXX XXXX reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided to me due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. 
You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>

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 2025-01-29 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:
Complaint Regarding Inaccurate Late Payment Reporting I am writing to formally file a complaint against XXXX XXXX XXXX  for their failure to correct inaccurate late payment reporting on my credit report. Despite my credit card payments being made on time, they continue to report late payments, which is negatively affecting my creditworthiness and causing me financial hardship by limiting my ability to purchase a vehicle or home.

Under the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), I am disputing this inaccurate information, and I am requesting an immediate correction. Furthermore, under the Truth in Lending Act ( 15 U.S. Code 1637 ( a ) ), I have the right to receive accurate billing information, which XXXX XXXX XXXX  has failed to provide. 

Additionally, this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to consumer reporting agencies must be fair, accurate, and substantiated. Reporting false or outdated information violates my rights under the FCRA and constitutes an unfair and deceptive practice. 

I have previously contacted XXXX XXXX XXXX and the credit bureaus to dispute these inaccuracies, but no action has been taken to resolve this issue. As a result, I am now seeking the CFPBs intervention to ensure my rights as a consumer are upheld. 

Thank you for your time and prompt attention to this matter. I look forward to your response and a resolution to this complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumer 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 2025-01-29 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized Hard Inquiries Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on my credit report in violation of 15 U.S. Code 1681b and 15 U.S. Code 1681n under the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX - XXXX ] XXXX XXXX XXXX XXXX  Date of Inquiry : [ XXXX ] XXXX  XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX : [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXXXXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX  Date of Inquiry : [ XX/XX/XXXX ] According to 15 U.S. Code 1681b, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA.

Additionally, per 15 U.S. Code 1681n, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees. 

Sincerely, 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized Hard Inquiries Request for Immediate Removal I am writing to formally dispute unauthorized hard inquiries that appear on my credit report in violation of 15 U.S. Code 1681b and 15 U.S. Code 1681n under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize : XXXX XXXX Date of Inquiry : [ XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX - XXXX ] XXXX XXXX XXXX XXXX  Date of Inquiry : [ XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXXXXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXX XXXX Date of Inquiry XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX - XX/XX/XXXX ] XXXX XXXXXXXX XXXX  Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX : [ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XXXX [ XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX XXXXXXXX XXXX Date of Inquiry : [ XX/XX/XXXX ] XXXX  Date of Inquiry : [ XX/XX/XXXX ] According to 15 U.S. Code 1681b, consumer reporting agencies may only provide credit reports for specific permissible purposes, such as with my direct authorization or in connection with a legitimate credit transaction. I did not grant authorization for the above-listed companies to access my credit report, making these inquiries a violation of my rights under the FCRA.

Additionally, per 15 U.S. Code 1681n, entities that willfully obtain a consumer report under false pretenses or without a permissible purpose are subject to legal liability, including actual and statutory damages, punitive damages, and attorneys fees. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX money transfer wasnt accurate when I sent money or received money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida, XXXX XXXX XXXX Date : XX/XX/year> Subject : Dispute of Inaccurate Information and Request for Correction Pursuant to 15 USC 1681i ( o ) Civil Liability for Negligent Noncompliance Dear Sir/Madam , My name is XXXX XXXX XXXX XXXX and I am writing to dispute the accuracy of the information reported on my credit report. Pursuant to the Fair Credit Reporting Act, specifically under section 15 USC 1681i, I have the right to dispute any inaccurate information in my report and request an immediate investigation. 

Below, XXXX detail the items I believe to be incorrect : XXXX. Disputed Item : Debt with the company XXXXXXXX XXXX Reason for Dispute : The reported debt does not correspond to my account, and the reported balance is incorrect as it does not reflect the amount granted.

2. Disputed Item : Debt information with the company XXXX XXXX XXXX Reason for Dispute : The debt does not correspond to my account, as I have never had any service with this entity. 

XXXX. Disputed Item : Debt information with the company XXXX XXXX XXXX XXXX for Dispute : The reported balance is incorrect, as this account never had any delinquencies. Additionally, the account has been closed and fully paid. 

Under the law, as a consumer, I have the right to dispute the accuracy of the information reported on my credit report. Therefore, I expect a thorough investigation to be conducted within the 30-day timeframe.

Pursuant to section 15 USC 1681i ( o ), if the provisions of the law are not complied with when correcting or removing inaccurate information, the credit reporting agency may be held liable for damages resulting from negligent noncompliance. Therefore, I request that this dispute be investigated with due diligence, and that the items that can not be verified as accurate be corrected or removed. 

I appreciate your cooperation in resolving this matter as soon as possible. Please notify me of the results of the investigation and any actions taken in relation to my dispute. 

Sincerely, 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing in regards to Zelles handling of disputes in light of the recent CFPB lawsuit concerning issues with the platform. I have used Zelle many times and reported discrepancies and my financial institution and Zelle failed to investigate my claims adequately. I was told that recovering lost funds was not possible and that they couldnt track the transactions. CFPB findings have determined Zelles neglected customers as well as allowed scammers to take advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
A car loan should be reported on my report as closed and paid in full. The lender has provided this information to Experian, and it is still not showing on my report. I am attaching a letter from the lender below.

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 2025-01-29 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief