vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: KY

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 after 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 address for these vuolations.

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: NV

Complaint narrative:
XXXX Department, XXXX, XXXX TransUnion ] Re : Dispute of Credit Information due to Data Breach I am writing to dispute certain information on my credit report which I believe may have been compromised due to a recent data breach involving [ Name of the Company where data breach occurred, if known ]. I am requesting an investigation into the following Dispute : This account 's information have been exposed in the data breach, potentially leading to unauthorized access or fraudulent activities. I request verification of the account 's authenticity and review for any signs of fraud or inaccuracies.

Dispute : Similarly, there is concern that this account 's data was compromised. Please investigate for unauthorized changes or activities post the data breach date.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs )

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Complaint Department, XXXX, Experian XXXX ] Re : Dispute of Credit Information due to Data Breach I am writing to dispute certain information on my credit report which I believe may have been compromised due to a recent data breach involving [ Name of the Company where data breach occurred, if known ]. I am requesting an investigation into the following Dispute : This account 's information have been exposed in the data breach, potentially leading to unauthorized access or fraudulent activities. I request verification of the account 's authenticity and review for any signs of fraud or inaccuracies.

Dispute : Similarly, there is concern that this account 's data was compromised. Please investigate for unauthorized changes or activities post the data breach date.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs )

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There's an unauthorized account on my report that is hurting my credit.

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: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX, XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute inaccuracy and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there is a discrepancy within my consumer file pertaining to the following accounts : Item XXXX : XXXXXXXX XXXX ( XXXX XXXX ) Account # XXXX Transunion This discrepancy have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that, The information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of the account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that, You promptly delete them from my credit report. I have also attached proof of deletion of this account from XXXX you must follow suite .

I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. 
Please acknowledge receipt of this dispute within 15 days and provide updates on the progress of the investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian 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 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 I 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to voice my concerns about Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that underscores significant shortcomings with the platform. Despite being a frequent Zelle user and reporting discrepancies on several occasions, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings reveal that Zelle has failed to safeguard consumers and has allowed repeat offenders to abuse the system, exposing users to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about the platform 's commitment to consumer protection.

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: FL

Complaint narrative:
I am writing toto 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 2025-01-19 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: SC

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 with 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my concerns about Zelle 's dispute resolution process, especially following the recent CFPB lawsuit highlighting serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my bank nor Zelle properly investigated my claims. They stated that recovering lost funds was impossible and tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to protect consumers and allowed repeat offenders to exploit the system, putting users at risk of scams.

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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$850.00} Open Date XX/XX/XXXX inquiries XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Wrong information showing on my credit report. It was a data breach in different corporations in 2024 that exposed my personal information. Please delete all debts from my report.

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 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: WA

Complaint narrative:
My Capital One credit card is supposed to be linked to my XXXX account and I am supposed to automatically be able to use points to make purchases on XXXX. For the last XXXX months this has not been possible. I have spoken to both XXXX and Capital One, and neither company knows anything about when this will be fixed. They are both aware of the issue but have no way to fix it, supposedly.

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

Complaint narrative:
These problems with the reporting accounts started back in XX/XX/year> where I disputed these accounts with all 3 credit bureaus. This led me to file a report regarding Identity Theft. In Light of the lawsuit against XXXX now that I know that they were not previously verified. I am asking XXXX to remove that information from my Credit report. 

In lieu of this I understand that with the 605 ( b ) FCRA the bureaus have only 4 days to correct these errors.

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: CURO Intermediate Holdings
State: MS

Complaint narrative:
Since XX/XX/year> I have consistently tried to make a deferred payment to make my account current, paid what I was told to pay by the company ( XXXX XXXX XXXX ) and the company doesnt fix my account. In the beginning the manager kept saying Im sorry we are getting this issue fixed, now the company still hasnt fixed my account resulting in derogatory credit reporting and when I try to call no one picks up the phone. I have made several attempts to contact the supervisor with zero call backs.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of XXXX. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account, XXXX XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00}. 
This account is incorrectly being reported as a charand off account with a balance due, Please provide proof of the charge off and update the balance to XXXX  or delete the negative payment status on this account.

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: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This letter is sent in response to the email I received on XX/XX/year>. I am requesting that you provide Debt Validation Claim. According to 16USC1692G Please send the following information : Send me the full detail list of the payment history on this account. 
I want to see the original signature that I agree to on the contract for this creditor. 
Have there been any insurance claim found on this debt? 
I want to see the change of title that you have to collect on this debt. 
Whether this debt is within the statute of limitations and how that was determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX services while sending money once you send funds. Your money is gone. Nothing listed on how to refund it

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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. ) Specifcally, 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 disupute 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 signifcant invoncenience and financial loss, and I see appropriate redress for these violations

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 — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.

Complaint narrative:
That isn't my credit card or my email. That's when I called them they told that. In light of the CFPB Lawsuit filed against XXXX on XX/XX/year> I invisist you Conduct on investigation as Required by FCRA Law. Do not Accept the Findings of the Fornisher who do not Delete correct disputed.

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 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 scamsDespite 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 2025-01-19 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: IN

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent information to Equifax regarding the validation of this account which is shiwing as XXXX. I have only received generic information regarding the account, none of which shows that I owe this collection action. In fact, I received on XX/XX/XXXX another letter from another creditor stating that they own this account I'm currently awaiting verification of this debt from this particular company Credit Bureaus are supposed to report accurate information upon investigating incorrect information. That has not been done with this company. 

I am requesting that Equifax and XXXX follow suit of XXXX and remove the following information from my credit report. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
XX/XX/year>. i transferred XXXX dollars to robinhood account from my debit card that is connected to robinhood to invest in XXXX and then move it to more profitable stock and secure it in robinhoid wallet but ones robinhood got the money they restricted my account and i cant do anything with my XXXX dollars and the value going down. i tried to request to call me to explain why my account is restricted but they have not answered back and there message says that my account restricted till XXXX XXXX the money is still being used for investing by robinhood but i cant do anything with it.

Company response to consumer: Closed with explanation