vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX and Transunion to reinvestigate these accounts : Account name :XX/XX/XXXXXXXX {$1900.00} Account name : XXXX XXXX XXXX {$1200.00}, Account name : XXXX XXXX XXXX {$610.00}, Account name : XXXX XXXX XXXX {$620.00}. ACCOUNT NAME : XXXX XXXX XXXXXX/XX/XXXX {$440.00}. However, they stated everything was complete and accurate. But how is that possible, if date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Equifax and XXXX to reinvestigate these accounts : Account name : XX/XX/XXXXXXXX {$1900.00} Account name : XXXX XXXX XXXX {$1200.00}, Account name : XXXX XXXX XXXX {$610.00}, Account name : XXXX XXXX XXXX {$620.00}. ACCOUNT NAME : XXXX XXXX XXXXXX/XX/XXXX{$440.00}. However, they stated everything was complete and accurate. But how is that possible, if date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 with error resolution requirements under the Electronics Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
Im incredibly disappointed and frustrated by the ongoing errors in my report. These inaccuracies are tanking my score, creating unnecessary setbacks, and depriving me of better opportunities. Its infuriating to feel stuck because of information that doesnt belong there.

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 2025-01-23 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe this practices are unfair and request an investigation to 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally request the removal of outdated and inaccurate student loan information from my credit report. Upon review of my credit report, I noticed that some of the accounts related to my student loans, which were forgiven in XX/XX/scrub> 2024, remain listed. Additionally, there are student loan accounts that were closed over seven years ago and should no longer appear on my report as per the Fair Credit Reporting Act ( FCRA ). 

The details of my request are as follows : Forgiven Student Loans : My student loans were officially forgiven in XX/XX/scrub> 2024 under [ specific program or initiative ]. Since these accounts are no longer active and have been deemed forgiven, I kindly request their removal from my credit report to ensure accuracy and compliance. 

In addition to Closed Student Loan Accounts, I'd like to also request any bank loan accounts Over Seven Years Old in collections to be removed : There are accounts listed on my credit report that should be closed as they were opened over seven years ago. Per FCRA regulations, such accounts should be removed as they are beyond the statutory reporting time frame. 

Please consider this letter as my official dispute regarding these accounts. To assist in your review.

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 2025-01-23 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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: VA

Complaint narrative:
I received a card in my name $ XXXX from CashApp XXXX Block Inc ) around XX/XX/XXXX. I did not order this card and the paper it came attached to, instructed me to scan a code to activate it. I assumed this was a scam, so I did not scan the code to activate it. I believe I then reported it to the FTC. My credit was already frozen because my information was leaked after the XXXX data breach about a year or so ago. I have not stopped receiving fraudulent cards since then. 

On XX/XX/XXXX I then contacted CashApp at the number ( XXXX ) XXXX and talked to a male rep but was scared to give them any info because I'm not sure if the number I called was real or not. I gave them only the last 4 of my social, my name, email, and phone number over the phone. They said they would send me an email where I would be prompted to upload photos of the front and back of the card they sent me. Again, I was nervous to do this but did so anyways. I told them this card was never requested, was fraudulent and that it should be shut down immediately. When I sent the images, I emailed them back to request they confirm the card had been closed. They did not respond. I emailed them again on XX/XX/XXXX to confirm the card had been closed and again, they did not respond. 

Today, XX/XX/XXXX, I received a 1099-K form from Block Inc XXXX This form is titled " XXXX XXXX and XXXX XXXX XXXX Transactions '' and it shows 267 transactions totaling {$4300.00} have been purchased under my name, social security number, and my address. I'm not sure what else to do or who to report this to because I did not open this CashApp account and I did not make these charges. I'm not sure how to get this to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened the Capital One credit card account with promotional terms of purchase {$6000.00} in first 90 days and got rewards of {$750.00}. It took 2 weeks to receive the mailed card, as soon as I received the card I called the customer service to active it, and then it took another 1 week for them to review and active my account. Thus, I contacted the Capital One customer service by phone and confirmed with them that my promotion term of 90 days will extend to XX/XX/XXXX/24 since it look longer than usual time to set the card get activated. 

Then, I spent over {$6000.00} with the card before XX/XX/XXXX2024. There was a transaction from XXXX XXXX with the amound of {$66.00}. This transaction was made by me on XX/XX/XXXX2024 and got posted on XX/XX/XXXX2024. Capital one used the post date to calculate the card opening and determined that this transaction is ineligible for the card opening spending bonus. Without this transaction, my total spend is about {$5900.00} before XX/XX/XXXX/2024, making me disqualified for the card opening spending bonus. 

However, the letter I received from capital one just said " To earn this bonus, you needed to spend {$6000.00} on purchases within the first 3 months of account opening. As of the date of this letter, you have not made at least {$6000.00} in purchases, however, per your request, we have extended the time period for you to make purchases to qualify for the rewards bonus to XX/XX/XXXX/2024 as a one-time courtesy. '' It doesn't mention about the post date. I made the more than {$6000.00} purchase before XX/XX/XXXX/2024, therefore I should qualify for the card opening bonus. The spending amount should go by the purchase date because that's when I made the purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Tilt Finance, Inc.
State: NM

Complaint narrative:
In XXXX someone other than me set up a line of credit in my name for {$350.00} and still had a balance of {$70.00} unpaid. I tried to find out some information about it and called 3 times. Every time the person I talked to was rude and didn't want to help and didn't seem to care. The last time the guy was rude and hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
Equifax 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 Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MO

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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPPB 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a ConsumeXXXX.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NCB Management Services Inc.
State: SC

Complaint narrative:
Account are not being properly investigated on my account I reached out serval times nothing is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, a similar credit reporting institution, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, acceping unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion 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 Transunions inaction violates federal law and my rights as a consumer.

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 2025-01-23 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: FL

Complaint narrative:
I am disputing the fraudulent reporting of the following XXXX accounts on my Equifax credit file : XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX XXXX account ending in XXXX These accounts were opened without my consent and have been falsely reported as charge-offs or with derogatory statuses. Despite submitting an FTC Identity Theft Report and relevant documentation, these accounts remain on my report. Equifax 's handling of this dispute violates FCRA 15 USC 1681i. I request immediate removal of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681 which mandates a reasonable investigation of disputes. Furthermore,XX/XX/XXXX '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 XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. Accounts in question, ALL INQUIRIES!!

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