vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
When Zelle first came about I sent money to the wrong people be mistake and I was also scammed out of money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Did a dispute and got rejected. 
Requested validation letter and proof that I am responsible for the debt. Amount and dates of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
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, Equifaxs actions may also contravene the consumer financial protection act ( CFPS ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPBs 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 the necessary proof of investigation. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal unexpectedly closed my credit card, despite it being in good standing and having a solid payment history. I was left bewildered, as they did not offer any explanation for the abrupt closure. Each time I reached out to speak with a representative, they seemed equally puzzled and reiterated that they could not comprehend the reason behind the decision. This lack of clarity and communication added to my frustration and confusion regarding the situation. 
I recently found myself in a difficult situation after unexpectedly losing my job. In an effort to manage my finances, I reached out to my credit card company to request a lower repay rate on my larger outstanding balance. I took the time to explain my circumstances and the financial hardship I was experiencing, hoping they would understand and provide some relief. Unfortunately, despite my detailed explanation, they ultimately declined to offer any assistance in lowering the rate. Not only that, but I received assistance in paying my mortgage, only to find that Navy Federal took the funds and applied them directly to my balance. When I reached out for clarification, they informed me that they could only refund a fraction of the total amount, despite my explanations that I had borrowed this money specifically to cover my mortgage payment. It felt incredibly frustrating and disheartening to see my hard-earned money so unceremoniously absorbed, leaving me in a more precarious financial position.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-28 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 writing to formally dispute several accounts that were previously disputed but have since been verified or reinstated on my credit report without proper investigation. I believe these actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( B ).

Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information to determine its accuracy. Furthermore, under Section 611 ( a ) ( 5 ) ( B ), any information that can not be verified after a proper investigation must be deleted or corrected. The accounts in question were reinstated without me being provided evidence of their verification, and no substantive investigation appears to have been conducted. 

According to the Consumer Financial Protection Bureau ( CFPB ), several credit reporting agencies, including XXXX, have been penalized in the past for failing to comply with these FCRA requirements. Specifically, the CFPB has taken action against agencies that rely on automated processes rather than thorough investigations, thereby neglecting their obligations under the law. These violations undermine consumer rights and lead to inaccurate credit reporting. 

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. 

Here are the accounts in violation : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CT

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. Account Name/Company : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge. 
Account Name/Company : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Fraudulent Activity : Do not recognize the charge., has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-01-28 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be CORRECTED from my file right away XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$420.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$6200.00} XXXX  XXXX Balance {$9900.00}

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-28 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a result of identity theft caused by the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include the following : Fraudulent Accounts : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/XXXX To facilitate your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report This breach of personal information has caused significant harm, and I expect XXXX to fulfill its legal obligation to protect affected consumers by taking swift and decisive action to address these fraudulent entries. I demand written confirmation that these accounts and inquiries have been permanently removed from my credit report, along with details of any findings from your investigation. 
Failure to act promptly will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure my rights are upheld. 
Please confirm receipt of this letter and provide a resolution within the timeframe mandated by federal law. Should you require further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

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 2025-01-28 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report as a result of identity theft caused by the XXXX data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information upon receipt of notice and supporting documentation. 
The accounts and inquiries in question include the following : Fraudulent Accounts : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX Unauthorized Credit Inquiries : XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX To facilitate your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report This breach of personal information has caused significant harm, and I expect XXXX to fulfill its legal obligation to protect affected consumers by taking swift and decisive action to address these fraudulent entries. I demand written confirmation that these accounts and inquiries have been permanently removed from my credit report, along with details of any findings from your investigation. 
Failure to act promptly will result in my escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure my rights are upheld. 
Please confirm receipt of this letter and provide a resolution within the timeframe mandated by federal law. Should you require further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address SSC FTC

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>2024, I sent a dispute to Experian requesting an investigation into items on my credit report that were inaccurate, incomplete, and unverifiable. This letter was delivered via USPS certified mail on XX/XX/scrub> 2024, with tracking number XXXX on XX/XX/XXXX I had to send a second dispute via priority mail USPS tracking number XXXX to no avail. To date, my credit report continues to reflect inaccurate, incomplete and unverifiable information. As a result, I am being denied credit and housing. 

Under the FCRA ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies, including Experian, must ensure that the information they report is accurate and complete. By failing to investigate the disputed items within the required 30-day period and continuing to report unverifiable, inaccurate, and incomplete information, Experian is in violation of this requirement.

Further, under 15 U.S.C. 1681i ( a ) ( 3 ), if the dispute is unresolved and the information is not verified, the credit reporting agency is obligated to notify the consumer of the results of the investigation within the 30-day period. Experian has not they updated my credit report to reflect the proper changes following my dispute.

The disputed items remain on my credit report, causing significant harm to my credit score and financial well-being.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the 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 actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: UT

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation