vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with 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 2025-01-26 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: AL

Complaint narrative:
MY CONSUMER REPORT IS REPORTING ACCOUNTS THAT ARE INACCURATE, AND UNVERIFIED. THESE ACCOUNTS ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN EXPERIAN, XXXX, AND XXXX..THIS IS A VIOLATION OF THE FCRA AND THESE ACCOUNTS MUST BE DLETED IMMEDIATELY FROMM MY CONSUMER REPORT. DELETE THESE ACCOUNTS

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 2025-01-26 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite me having sufficient funds available when the transactions were authorized. However, due to delayed posting of the charges and credits I was unfairly charged overdraft fees. 
The issue appears consistent with recent findings from the CFPB, which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds available. 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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: AL

Complaint narrative:
MRS BPO IS REPORTING A DEBT IN THE AMOUNT OF {$3700.00}. THIS ACCOUNT IS UNVERIFIED, INACCURATE AND A VIOLATION OF THE FCRA AND THE FDCPA. THE ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT FOR SOME TIME. IF THIS ACCOUNT IS STILL REPORTING 7 DAYS FROM TODAY, I WILL BE SEEKING LEGAL ACTION AGAINST MRS BPO BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT. EVEN IF YOU ARE CONTRACTED OR HIRED TO COLLECT FOR ANOTHER COMPANY, I WILL BE SEEKING COMPENSATION, PUNITIVE AND STATUTORY DAMAGES UNDER THE FCRA AND THE FDCPA FOR EVERY VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT FROM MRS BPO BECAUSE YOU ARE THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. DELETE IMMEDIATELY, OR ELSE.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CT

Complaint narrative:
I recently did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.C. 1681c-2 requires that credit reporting agencies block fraudulent information within four ( 4 ) business days of receiving proof of identity theft, which I have provided in the form of my FTC Identity Theft Report.

Per 15 U.S.C. 1681g ( a ), consumers have the right to complete and accurate data reporting.

15 U.S.C. 1681e ( b ) : Responsibility to ensure maximum accuracy.

15 U.S.C. 1681n and 1681o outline liability for failure to comply with these requirements, including potential damages for willful or negligent violations. Please immediately delete and block the following fraudulent items from my credit report. 
XXXX XXXX : account # XXXX XXXX XXXX : account # 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S.C. 1681c-2 requires that credit reporting agencies block fraudulent information within four ( 4 ) business days of receiving proof of identity theft, which I have provided in the form of my FTC Identity Theft Report.

Per 15 U.S.C. 1681g ( a ), consumers have the right to complete and accurate data reporting.

15 U.S.C. 1681e ( b ) : Responsibility to ensure maximum accuracy.

15 U.S.C. 1681n and 1681o outline liability for failure to comply with these requirements, including potential damages for willful or negligent violations. Please immediately delete and block the following fraudulent items from my credit report. 
XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-26 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:
Dear CFPB, I am writing to file a formal complaint against XXXX regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to XXXX pertaining to inaccuracies on my credit report, and I believe they have failed to comply with their obligations under the following sections of U.S. Code : 15 USC 1681e ( b ) This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 
15 USC 1681s-2 This section deals with the responsibilities of furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681i ( 5 ) This section mandates that if a consumer report is provided to a person, the agency must complete its investigation within a reasonable time.

15 USC 1681c ( c ) This section addresses the responsibilities regarding the reporting of certain types of information. 

I have not received a satisfactory response and have learned of the recent lawsuit against XXXX, which highlights their failure to adequately investigate disputes and properly handle errors in consumer reports. This raises serious concerns about their compliance with federal regulations and their impact on consumers ' access to credit, employment, and housing. Closed accounts, hard inquiries, and collections is being a severe detriment in my life I made many disputes since XX/XX/year> and no results I sent letters and everything and no response. 
I request that the CFPB investigate my complaint and take appropriate action against XXXX for their failure to comply with federal law. It is vital that they are held accountable for their actions and that consumers receive the accuracy and fairness they are entitled to under the law. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the status of my complaint.

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 2025-01-26 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:
Dear CFPB, I am writing to file a formal complaint against XXXX regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to XXXX pertaining to inaccuracies on my credit report, and I believe they have failed to comply with their obligations under the following sections of U.S. Code : 15 USC 1681e ( b ) This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

15 USC 1681s-2 This section deals with the responsibilities of furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681i ( 5 ) This section mandates that if a consumer report is provided to a person, the agency must complete its investigation within a reasonable time.

15 USC 1681c ( c ) This section addresses the responsibilities regarding the reporting of certain types of information. 

I have not received a satisfactory response and have learned of the recent lawsuit against XXXX, which highlights their failure to adequately investigate disputes and properly handle errors in consumer reports. This raises serious concerns about their compliance with federal regulations and their impact on consumers ' access to credit, employment, and housing. Closed accounts, hard inquiries, and collections is being a severe detriment in my life I made many disputes since XX/XX/2024 and no results I sent letters and everything and no response. 
I request that the CFPB investigate my complaint and take appropriate action against XXXX for their failure to comply with federal law. It is vital that they are held accountable for their actions and that consumers receive the accuracy and fairness they are entitled to under the law. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the status of my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Upon checking my credit score, which suddenly dropped, I discovered a credit card debt from Goldman Sachs Bank of {$5000.00} had been charged off as a bad debt on my credit record. I have never had a {$5000.00} credit card in my life!! This debt has been fraudulently placed on my credit record, causing me great harm!! I sent a certified letter demanding a removal of the debt and corrections made to appropriate credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
A notice was sent to me on XX/XX/XXXX by NATLCRSYS ( address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Georgia XXXX ). Original creditor XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX in collections amount of {$350.00}. I never lived in XXXX, I dont know where the debt came from but its on my credit report and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
Transunion has not updated my credit information from XXXX XXXX since XX/XX/year>. I have XXXX balance and my score has not changed. I am in the process of buying a home and this has affected me greatlyl

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 2025-01-26 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
( 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against cash app ( Block lnc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act, CFPA, 12 U.S.C 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act of practice under the CFPA Furthermore, Cash Apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash app failed to meet these obligations. 
These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NE

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth :XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving dispute. 

XXXX XXXX XXXX {$200.00} XXXX  XXXX {$910.00} XXXX  XXXX XXXX {$130.00} XXXX XXXX XXXX {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving dispute. 

XXXX XXXX XXXX {$200.00} XXXX  XXXX {$910.00} XXXX  XXXX XXXX {$130.00} XXXX XXXX XXXXXXXX {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I was a victim of fraud while in the process of renting a home. I was provided with what I thought was legal documents. I sent thousands through Zelle for deposit, down payment and move in. The transaction went through with no notification. After finding out I was being scammed. I logged into my account to dispute the charges and all of the persons information was gone. I then called Zelle for months and did not receive any assistance on how to dispute the charges. I then called my bank and was told I would have to call Zelle. I agave to continue to call Zelle and did not receive help. Causing me to lose XXXX  of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
My complaint is with equifax. Equifax is reporting a collections a time barred collections over seven years old. The reason I know it is time barred is because Ive been disputing this throughout the years same debt amount different collection agencies always being displayed as new collection in fact its very old.

Company response to consumer: Closed with non-monetary relief