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: 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies 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. 16811, 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.

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 against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credit. This 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 transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have unauthorized activity on 8 open accounts. XXXX XXXX XXXX account XXXX late payments account updated payments {$11000.00}. false update past due as of XX/XX/year> client did pay {$380.00}. XXXX XXXX account XXXX {$980.00} closed collection account didn't give permission to sell this account. XXXX XXXX XXXX sold unauthorized account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX sold my information without my permission. XXXX XXXX XXXX XXXX XXXX XXXX sold account without my unauthorized account. XXXX XXXX XXXX XXXX sold without my permission. XXXX XXXX XXXX XXXX debt buyer sold without my permission. Hard inquires 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 non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have unauthorized activity on 8 open accounts. XXXXXXXX XXXX XXXX account XXXX late payments account updated payments {$11000.00}. false update past due as of XX/XX/2024 client did pay {$380.00}. XXXX XXXX account XXXX {$980.00} closed collection account didn't give permission to sell this account. XXXX XXXX XXXX sold unauthorized account number XXXX. XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX sold my information without my permission. XXXX XXXX XXXX XXXX XXXX XXXX sold account without my unauthorized account. XXXX XXXX XXXX XXXX sold without my permission. XXXX XXXX XXXX XXXX debt buyer sold without my permission. Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: PA

Complaint narrative:
XXXX XXXX is the collection company. But the original owner is Synovus Bank. I told them my daughter father and his girlfriend open credit cards in my name. Because we broke up, this is not my debt, I ask for the original signature, and were did the person use the credit card, they just said its mine. I ask for a statement and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I fully paid my Macys credit card bill timely in XX/XX/year> in the total amount of {$170.00} and provided proof of such payment to Macys via numerous emails to their dispute section but they have not acknowledged my payment. They continued to charge me fees and interest which I called multiple times to reverse but with no success. They further harassed me by sending the disputed charges to all the credit reporting agencies to include XXXX, XXXX and XXXX and harmed my credit. I am still getting harassed and need them to acknowledge their mistake and appropriately apply my payment back in 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 monetary relief
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to you as the holder of account number [ XXXX ] for my auto loan, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). additionaly, the FCRA specifically sections 15 U.S code 1681i and 156 U.S, code 1681s-2 i formally request the you investigate and correct any inaccurate information related to these late payments on my credit report. below are the details of the affected payments Date of reported late payment : 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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, leahing 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 funds transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
This agency is in clear violation of my consumer rights. Specifically, you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have reported a collection account on my consumer report. Additionally, your actions demonstrate the use of false, misleading, and deceptive practices, which further infringe upon my rights as a consumer.

I have made previous attempts to address these issues directly with your company, but you continue to disregard my rights. For every violation outlined, I am entitled to {$1000.00} in statutory damages. You must either immediately remove these accounts from my consumer report or compensate me accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 ( 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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to the 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Thought this issue was resolved via XXXX w/ Resurgent and XXXX with XXXX XXXX. Confirmation that the debt Resurgent was trying to collect on a Credit XXXX account belongs to another individual who shares my name but lives in XXXX, NJ. Told multiple times that I would stop receiving letters from Resurgent. THEY HAVE NEVER STOPPED. I get multiple letters a month I most recently called Resurgent her : XX/XX/XXXX XXXX XXXX OUT ( XXXX ) XXXX XXXX # - XXXX - Agent assured me they were aware that they knew I should not be receiving any further notifications and that I would not receive anymore. 

As of XX/XX/year>, I continue to receive these. 

For two years I have been getting mail from them and for two years I have been telling the it's not me and when they ask for my identifying info like XXXX or birthday, they confirm i am not the correct individual

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: Early Warning Services, LLC
State: OH

Complaint narrative:
My formal landlord used to ask the tenants to pay their rent using Zelle. What I ended up noticing is that I was being charged a fee for sending money from my account to his. There was even a time when it didnt prompt me to check the number I was sending the payment to and I mistakenly sent it to someone else. The bank would not assist me at all with the reversal of the funds, basically told me it was my loss. {$750.00} that I didnt get back. I even reached out to the person who I mistakenly sent it to and ended up being blocked. No action was taken by the bank at all. I was told I needed to be more careful next time.

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: 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sunday, XX/XX/2025 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This is the XXXX time disputing this account. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Incorrect account status Instruction : The account status is being reported as " Derogatory '' which is not correct. Please fix this or remove the entire account immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
XX/XX/year> I was scammed by a person on cashapp. I sent {$65.00} thinking that I was completing a previous business transaction. Almost immediately after realizing that the person that was requesting the money wasnt the person that I had been previously purchasing a program from, I contacted XXXX customer service through Chat because they did not have telephone services available. XXXX notified me that the transaction that had taken place was out of their hands, and that there was nothing that they could do even though I requested that the account will be Blocked in my funds be returned to my account

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My account of zelle theres transfer that i send to the wrong person but they never give me a solution to give me my money back not happening ones or twice multiple times 1 time was for {$500.00} 2 time was for {$1500.00} XXXX time was for {$1000.00} And no solution what so ever.

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: MO

Complaint narrative:
I'm filing a complaint against Cashapp. Due to iniquit customer service and unfair practices which violat consumer financial protection ACT ( CFPA ) cashapp specially failed to take timely and effective measures to prevent and adress fraud problems on their platform leaving my information exposed and unprotected. They didnt comply with the eFTA and regulation XXXX This has caused financial loss and i seek appropriate redress for this violations I've mentioned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
fraudulent credit card account was opened without my knowledge or authorization

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX 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 personal information, credit card accounts, evictions, auto loans, false student loans opened and collections from, Innacurate and incomplete addresses on my credit report are, XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX TX XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX TX XXXX XXXX TX XXXX XXXX LA XXXX XXXX LA XXXX XXXX TX XXXX XXXX TX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX LA XXXX and the fruadelent innacurate accounts are, XXXX - XXXX, XXXX XXXX - XXXX opened between the years of XXXX THROUGH XXXX including credit card account XXXX - XXXX XX/XX/XXXX, collection accounts XXXX - XXXX, XX/XX/XXXX, and I C SYSTEM - XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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, and XXXX XXXX XX/XX/XXXX, Some of them have multiple under the same name. Some also have missed information that isn't showing the same on all 3 credit bureaus. 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 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 # XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal information, credit card accounts, evictions, auto loans, false student loans opened and collections from, Innacurate and incomplete addresses on my credit report are, XXXX XXXX XXXXXXXX LA XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX XXXX, XXXX LA XXXX, XXXX LA XXXX, XXXX XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX LA XXXX, XXXX LA XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX TX XXXX, XXXX XXXX TX XXXX, XXXX XXXX TX XXXX, XXXX LA XXXX, and the fruadelent innacurate accounts are, XXXX - XXXX, XXXX XXXX - XXXX opened between the years of XXXX THROUGH XXXX including credit card account XXXX - XXXX XX/XX/XXXX, collection accounts XXXX - XXXX, XX/XX/XXXX, and XXXX XXXX XXXX - XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX- XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, Some of them have multiple under the same name. Some also have missed information that isn't showing the same on all XXXX credit bureaus. 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 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 # XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of 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