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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax and XXXX continues to report fraudulent information on my credit profile. In light of the Equifax Breach I reported US DEPT ED XX/XX/XXXX ( {$620.00} ), US DEPT ED XX/XX/XXXX ( {$1000.00} ) as fraudulent accounts being as though I do not recognize, nor did I ever consent to these accounts. No original contract has been provided to me that proves these accounts are mine and therefor must be and REMAIN deleted from my credit profile. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN XXXX BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 13 days and EQUIFAX is in violation of this law because I am a victim of identity theft. 

Equifax and XXXX also continues to allow XXXX XXXX XXXX to report unknown medical debt to my credit profile. XXXX XXXX XXXX- Opened XXXX XXXX, XXXX ( {$1100.00} ) It has been over 30 days since I sent a letter to XXXX XXXX XXXX requesting confidential information proving that this debt is mine as well as proving that I provided consent to access my medical information. This debt is fraudulent and I have filed an FTC report demanding the deletion of this account. Equifax and XXXX remains in violation of the law because it is allowing fraudulent or unverified information to report on my credit profile.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( 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, inaction violates federal law and my rights as a consumer..

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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-01-19 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 filling 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 Regulations 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has disputed the wrong company on my credit report in error I assume. My account with XXXX XXXX is in good standing thats my current back I did not dispute this account this has affected my credit profile and my credit score by XXXX due to EQUIFAX . I the consumer XXXX XXXX did not dispute my current account in dispute. This is violating my consumer rights according to the FCRA disputes are necessary when theres inaccuracy being reported, however this account is accurate and the account is in good standing. Im aware Equifax is currently being sued for reporting errors which this is a major reporting error. I fault EQUIFAX for making such an error and ruining my credit profile as of today XX/XX/year>. Under federal law I have the right to dispute inaccuracy on my credit report however this account with XXXX XXXX is in good standing I DID NOT DISPUTE THIS ACCOUNT. Equifax is fully responsible for this huge mistake. Ive called and spoken with XXXX in customer services about this she stated she would send me a copy of my credit report, she stated theres no dispute being disputed against my XXXX XXXX account which is what XXXX is showing me my score dropped XXXX XXXX due to a remark code on ny dispute against XXXX XXXXl with Equifax, also I informed her its saying I dont have access to my Equifax its saying XXXX forbidden online she created a ticket so I can be contacted with further instructions this has caused me mental and physical stress. Equifax is responsible for this

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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: IL

Complaint narrative:
I requested from the company to provide me with a verifiable original copy of the contract having bilateral agreement between myself an a sentient representative of the company. Under the guidelines of the FCRA subsection 602 ( a ) ; 603 ( d ) ( 2 ) ; 603 ( p ) ; 603 ( q ) ; 605 ( a ) ; 605 ( d ) ; and 609 which the company never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXX law for XXXX allows gifts up to {$19000.00} per person. Because XXXX has a limit of {$5000.00} per day, I sent XXXX consecutive transfers to my daughter of {$5000.00} each beginning XX/XX/XXXX. When I tried to send the XXXX payment of {$4000.00}, I got a message saying the transfer was canceled. I thought that was a mistake and tried another ; that was also canceled. I waited XXXX days and tried again with the same result. I called Chase a few days later to have the lock removed. I was told that my accounts were restricted, and I was transferred to the section that restricted the accounts. I was told that my accounts were locked on the XXXX of XXXX and that they would be closed on the XXXX with a check sent to me. I was told that I was sent a message regarding this, but I did not receive a message about this action. I was also told that I was sent a letter on XX/XX/XXXX, but I have received no letter. I asked why my accounts were closed and was told that they could not tell me the reason. I later called back to ask if the money could be sent online through a direct deposit and was told no. This second person was very rude to me. I asked both people in those calls what I did wrong and they said nothing. 

My family and I have been researching sudden closed accounts and see that fraud or money laundering is usually the reason. I have committed neither crimejust sending money to my daughter as a gift. In XXXX I mailed her a check for gifting, but it never arrived, and had to cancel the check costing me money and losing the gifting for XXXX. I learned XXXX is good way to transfer money. XXXX very worried that I will get a XXXX mark on my social security number. 
Also, there are XXXX accounts associated with this report. I also have a savings account with Chase.

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: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 were unfeasible. The CFPBs findings indicate that Zelle had 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
: 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.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Both XXXX and XXXX have removed the erroneous reporting ( see attached copy of my current XXXX credit reports from your company for proof ) of BANKRUPTCY DOCKET # XXXX on my file but for some reason you have failed to remove it. I have not seen any proof of the source of your information and my earlier XXXX proved that the courts did not provide you with the supposed information regarding the bankruptcy you are reporting on my file and have claimed to verify. 
This situation is a prime example of the practices for which the Consumer Financial Protection Bureau ( CFPB ) is currently suing Experian in the XXXX XXXX XXXX for the XXXX XXXX XXXX California ( Docket No. XXXX, filed XX/XX/year> ). Experian 's continued reporting of inaccurate and unverifiable information, as well as its failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ), reflects the same misconduct alleged in this case. To further show that Experian is willfully attempting to violate the FCRA by not conducting investigations and attempt to confuse and fraud consumers I have attached the XXXX Experian Dispute responses that I was provided by Experian regarding this disputed account. In the first, Report # XXXX dated XX/XX/year> ; Experian XXXX the XXXX and Acct number of the disputed bankruptcy and the status of pending. In the dispute response that was sent only XXXX days later, Report # XXXX XX/XX/year> ; Experian DOES NOT list the Creditor/Vendor or Acct number but puts the status as remains and that the company that reported the information has certified to Experian that the XXXX is accurate. I therefore request that you immediately remove this BANKRUPTCY DOCKET # XXXX my credit report with your company or provide me with the exact source where you received such information. Failure to do so will require that I take the appropriate legal action for damages.

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: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was looking to purchase a propane tank on XXXX marketplace. I found a place and it looked so legit! Had pictures of tanks and all called Propane tanks and Refills. So I contacted and spoke to a XXXX cash app $ everythingcoo Was a {$450.00} delivery fee for a tank and it was full! Would be delivered next day between XXXX and XXXX pm. Then after I sent the money I realized it was a scam. He came back on wanting insurance @ XXXX XXXX for another {$150.00}. I told him I would pay that on delivery! I instantly contacted Cashapp and they refused to refund my money. I asked for a refund from seller, no answer! Research his name and came up with someone from XXXX. Cash app was notified about all of this and absolutely refused to give me my money back. I have all my messages with this transaction with propane scam! I filed a dispute with Cashapp as well and they still refused! Its not right.

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: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: LA

Complaint narrative:
I have disputed XXXX XXXX more than once. They say I owe a pass due balance of {$1300.00} when they garnish my check from XXXX XXXX for it The last garnish was on XX/XX/XXXX and it's still on my credit report. 


For XXXX XXXX XXXX they are on my report and I turned in direct TV equipment back in XXXX ant the XXXX in XXXX La XXXX XXXX XXXX. They were also on my report XXXX XXXX years ago for the same exact thing. Once the equipment was turned in it came off. Now all of a sudden it's back and I haven't had any dealing with them since XXXX. The serials number from my equipment should be in their system so not sure why they reporting it wasn't turned in.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with non-monetary relief
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: TN

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having funds available at the time the transaction were authorized. However, due to delayed posting charges and credits. I was unfairly charged overdraft fees. 
This issue appears consistent with 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
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, 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 XXXX 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, Experian, and XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumers with the necessary proof of investigation.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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 the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumers with the necessary proof of investigation.

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