vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
There are a few transactions within my CashApp that went into the wrong bank account. This was not my bank account, or added by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
Im currently in the process of getting a loan. During underwriting it was discovered i have a judgment on my credit I was not aware of. The collection company showed on my credit was Jefferson capital. I reached out to them and was told I owe in the area of {$2000.00} for a XXXX account I never started. I asked what was the address the account was set under and they provided an address in Pennsylvania. They also provided an email that was similar to my own with numbers changed at the end. I told the man XXXX haven never even stepped foot in that state and can verify in anyway he liked to verify this account was a case of fraud. He immediately tried to get me off the phone and wouldnt let me speak. I have been getting pushed around for multiple weeks in this situation trying to resolve it in anyway I can but all Im ever told is to wait for a letter in the mail. This company feels criminal and could care less i was taken advantage of and wont be able to get my loan with this on my credit and show no intention of removing it even though I have offered to verify anything they want to prove account wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: UT

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submission, Equifax consistently responds with in 24 hours stating the account is accurate Equifax has failed to provide 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 the dispute. Furthermore, Equafax '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, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. 

I want Reported accounts to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 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 2025-01-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX Texas XXXX ] [ XX/XX/year> ] Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccurate and incomplete information that remains on my credit report, despite my previous efforts to resolve this matter. I am deeply concerned about Experians ongoing failure to address my dispute adequately, which reflects the issues highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX ( Case XXXX ). 

The CFPBs recent legal action alleges that XXXX has failed to : 1. Conduct reasonable reinvestigations of consumer disputes, 2. Convey all relevant consumer-provided information to data furnishers, 3. Provide clear and accurate outcomes of dispute resolutions, and 4. Utilize adequate procedures to ensure the maximum possible accuracy of consumer reports.

These deficiencies are directly relevant to my case. Specifically : Account/Tradeline in Question : [ FAIR COLLECTIONS AND OUTSOURCING ] Nature of Dispute : This account was disputed due to inaccurate see homes is being sued for an accuracy of balances owed to their properties creating false accounts. ] Supporting Documents Attached : [ invitation, home lawsuit and dispute. ] XXXX failure to address these issues has harmed me by [ I am not able to find a home due to the inaccuracy of this collection account. ]. I request a reasonable reinvestigation into this matter as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

In compliance with your obligations under the FCRA, I ask that you : 1. Forward all relevant information, including my supporting documents, to the furnisher of the disputed information.

2. Ensure a complete and accurate reinvestigation of the dispute.

3. Remove the inaccurate information if it can not be verified or is determined to be inaccurate.

4. Provide a written statement of the results of your reinvestigation, including details of any changes made to my credit report. 

I trust that XXXX will take this matter seriously and comply with the requirements of the FCRA and the CFPBs regulations. Please complete your reinvestigation within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ your phone number ] or [ your email address ]. 

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
You have provided statements that shows no prove that I actually open the account. So I went on a step further and I noticed the account XXXXXXXX XXXX XXXX XXXX  with number XXXX is reporting incorrectly as XXXX on my credit report. You have it listed as opened on XXXX with the last activity on XXXX, but this is wrong. This error is affecting my ability to achieve my financial goals, like applying for a mortgage or even obtaining a car loan. Please remove this account and provide proof of the {$850.00} since I do not owe it. 
The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This complaint serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could be serious consequences, so I'm giving 30 days from now in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-24 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/year> - I was scammed {$1000.00} from a person impersonating a legitimate business. They took my money and never delivered the product I was purchasing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. Accounts Negatively affecting my credit are 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} which was a result of identity thief that the report agency failed to properly investigated and provide validation of the account. FCRA section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or remove it. FRCA section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or unverifiable, the agency must correct or delete it. FCRA section 611 ( a ) ( 5 ) ( B ) : Specifies that if a previously removed item is reinserted, the agency must notify the consumer within five business days.

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 2025-01-24 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: GA

Complaint narrative:
I am submitting a formal complaint against Equifax for failing to conduct proper investigations into disputes regarding inaccuracies in my credit report. Despite providing all necessary documentation, Equifax consistently concludes within 24 hours that the account is accurate, without offering any evidence of a thorough investigation.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations into consumer disputes. Additionally, Equifax 's actions may breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the recent administrative proceeding against the company ( XXXX XXXX. XXXX ) for similar violations. 

I respectfully urge the CFPB to take appropriate action to ensure Equifax complies with federal law and provides consumers with clear evidence of the investigations they are required to perform. Consumers deserve accountability and transparency in the handling of their credit disputes. 

Here are the inaccurate accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as an instance of non-compliance with the Fair Credit Reporting Act ( FCRA ) and to request your assistance in resolving this matter.

Under the FCRA, credit reporting agencies, furnishers, and other related entities have a duty to ensure the accuracy of consumer credit information and to comply with all provisions of the Act. Negligent non-compliance, as defined under 15 U.S.C. 1681o, imposes liability on those who fail to adhere to these obligations. 

Specifically, my concern involves the following : Entity Responsible : XXXX credit reporting agency Description of Issue : Failure to adequately investigate my dispute claim outside of a generic reply Relevant Details : collections account is listed as XXXX XXXX and the account is stated to have opened on XX/XX/XXXX and closed on XX/XX/XXXX for an amount of {$1700.00}. Additional account was from XXXX stated to have opened XX/XX/XXXX and closed XX/XX/XXXX with an alleged balance of {$110.00} Impact on Me : My credit report has been adversely impacted by negative collections claim which have directly affected my access to financial products which would change my livelihood for the better and improve my financial success. 
Despite my prior attempts to address this matter directly with the responsible party, they have failed to resolve it adequately. I have attached copies of my correspondence with [ responsible entity ] and any supporting documentation for your review. 

Pursuant to 15 U.S.C. 1681o, I am seeking resolution of this matter and wish to highlight the negligent non-compliance that has caused me harm. I request that you : Investigate the issue thoroughly.

Take appropriate enforcement action against the responsible entity. 
Ensure that the inaccurate information is corrected or that the issue is otherwise resolved. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this dispute. 

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 2025-01-24 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as an instance of non-compliance with the Fair Credit Reporting Act ( FCRA ) and to request your assistance in resolving this matter.

Under the FCRA, credit reporting agencies, furnishers, and other related entities have a duty to ensure the accuracy of consumer credit information and to comply with all provisions of the Act. Negligent non-compliance, as defined under 15 U.S.C. 1681o, imposes liability on those who fail to adhere to these obligations.

Specifically, my concern involves the following : Entity Responsible : XXXX XXXX reporting agency Description of Issue : Failure to adequately investigate my dispute claim outside of a generic reply Relevant Details : collections account is listed as XXXX XXXX and the account is stated to have opened on XX/XX/XXXX and closed on XX/XX/XXXX for an amount of {$1700.00}. Additional account was from XXXX stated to have opened XX/XX/XXXX and closed XX/XX/XXXX with an alleged balance of {$110.00} Impact on Me : My credit report has been adversely impacted by negative collections claim which have directly affected my access to financial products which would change my livelihood for the better and improve my financial success. 
Despite my prior attempts to address this matter directly with the responsible party, they have failed to resolve it adequately. I have attached copies of my correspondence with [ responsible entity ] and any supporting documentation for your review. 

Pursuant to 15 U.S.C. 1681o, I am seeking resolution of this matter and wish to highlight the negligent non-compliance that has caused me harm. I request that you : Investigate the issue thoroughly.

Take appropriate enforcement action against the responsible entity. 
Ensure that the inaccurate information is corrected or that the issue is otherwise resolved. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
Since I joined Navy federal in XXXX  and was enrolled into their, " XXXX  '' program. They have been killing me with overdraft fees. Every month I pay over a XXXX in fees alone. I was not aware I would be caught in an endless payment program just for banking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I don't know what company this account is originally for, looks like this account was sold to a third party for a debt I have no knowledge of and or is not responsible for.

Company response to consumer: Closed with explanation