vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash app closed my account for no reason they told I violated terms which they haven't explained til this day I was scammed out XXXX on XX/XX/year>. This isn't first time either another time it was XXXX and then XXXX they refused to help retrieve my funds said it's my bank responsibility I paid for a service the merchant never so I asked for a refund they uphold the scam and fraud but punish consumers who filed complaints each time I reach out they give me the run around I know for a fact I didn't violate anything my account has been closed for 4 months they telling me it takes 30 days for appeal which is not true I want my account back and my funds I'm aware of the lawsuit too I'm definitely a victim

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 is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am a victim of identity theft, and I need these removed. I already made an FTC report to get these removed on all three credit bureaus.

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: 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:
I have been filing dispute with Transunion and XXXX and XXXX for over a year to get these offer my credit report due to fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 These need to be removed off my credit 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 non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Williams rush and associate contacts me daily XXXX times a day, while Im working I asked not to be contacted before XXXX, they said if I dont pay the debt it will be on my credit I stated that it already is! After that call they turned and reported negative on my credit that day as if I just opened the account, when the debt has been charged off so I asked for the original agreement, I was told that they dont have to provide that, because they bought the debt

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I sent a letter to the law office requesting 1. verification of the amount of the debt, including a breakdown of principal, interest, and fees.

2. The name and address of the original creditor.

3. Proof that I am responsible for this debt, such as signed agreements or account statements.

I received a response 17 days later. The documents provided still do not clarify and verify the validity of the debt being requested to be paid. 
They did not provide a breakdown of principal interest and fees. 
Lastly, They also still do not provide a working means of paying the debts electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was a Union Bank customer until US Bank acquired some of the assets of Union Bank in California. In early XX/XX/year>, I stopped at my local branch of US Bank in XXXX, CA to inquire about the process of closing my safe deposit box before the auto-debit scheduled for the end of the month. I informed XXXX, an employee at the branch, that I would like to close the safe deposit, but she was unable to assist with my request because the safe deposit agreement that I originally signed with Union Bank was not transferred to US Bank. I also informed XXXX that I was not able to visit in person due to an emergency that required me to leave the state to care for my critically ill son. I confirmed that the box was empty and requested special consideration to mail the keys and complete any necessary forms remotely when the safe deposit agreement is finally transferred from Union Bank to US Bank. Despite my efforts, the matter remained unresolved. 

When the situation escalated, supervisors XXXX XXXX XXXX and XXXX XXXX XXXX worked with the back office to find a resolution. However, before it could be addressed, the checking account XXXX was charged off. On XX/XX/year>, the bank debited {$230.00} from my checking account XXXX for the safe deposit box fee. On XX/XX/year>, the checking account XXXX was charged off with an additional {$35.00}. 

On XX/XX/year>, XXXX XXXX and XXXX XXXX received approval from the back office to reverse the {$260.00} charge, acknowledging it as a bank error. I was informed that the reversal would take two business days to process. They also instructed me to contact the US Bank Consumer Bureau Management Department to request the removal of the XXXX report filed on XX/XX/year>. 

On XX/XX/year>, I wrote to the US Bank Consumer Bureau Management Department explaining the situation, asked to reverse the charges in the amount of {$260.00}, and also remove the record from my XXXX report, but havent received a response. 

XXXX XXXX and XXXX XXXX advised me to contact the US Bank Consumer Bureau Management Department by phone at XXXX, but the customer service representatives I spoke with refused to connect me with anyone from the Consumer Bureau Management Department.

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 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: CA

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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I had bought a watch from a company in XXXX for XXXX $ using Paypal. The watch was shipped and arrived to me on XX/XX/XXXX. I was happy with the watch until I took it in to a shop and found out the inside was completely a counterfeit. I brought this up to the attention to PayPal on XXXX XXXX. Two weeks later, I call PayPal then they inform me I needed proof from the shop that it was a counterfeit to proceed with the return. Not a problem. On XX/XX/XXXX, I bring it back down to the shop and pay XXXX $ to get a receipt saying FAKE, NOT REAL along with some other notes of the inside of the counterfeit watch. Next week PayPal tells me to ship the watch out. I ship it out on XX/XX/XXXX, and it gets delivered to the original company on XX/XX/XXXX. Now 11 days later PayPal informs me that the company is telling them that I sent the wrong watch. Then they immediately close my case.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report. Upon reviewing my credit report from your bureau on [ XX/XX/XXXXXXXX  ], I noticed the following inquiries that I did not authorize : 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 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 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 I have not applied for credit with these companies, nor have I authorized these inquiries. I believe these inquiries are fraudulent and may be the result of identity theft. 

I kindly request that you investigate these inquiries and remove them from my credit report. Please provide me with a written confirmation once the inquiries have been removed. If you find that these inquiries are valid, please send me proof of authorization along with a description of your investigation procedures within 30 days of the closure of this dispute. 

Thank you for your prompt attention to 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 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: Westlake Services, LLC
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX, IL XXXX ] [ Date ] [ CFPB ] [ CFPB ] [ XXXX XXXX XXXX XXXX ] [ Washington XXXX DC XXXX ] Subject : Dispute of Civil Liability for Negligence Non-Compliance Under XXXX XXXX XXXX XXXX  Dear [ CFPB or WHOM IT MAY CONCERN ], I am writing to formally dispute [ specific issue, such as inaccurate information on your credit report or failure to fulfill a legal obligation ] and bring attention to your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX XXXX 

Background Information : Date of Incident : [ XX/XX/year>, XXXX/XXXX/3024, XX/XX/year> ] Account/Reference Number : [ XXXX XXXX XXXX XXXX BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ] Description of Non-Compliance : [ 3rd Party debt XXXX not removed, failing to verify or correct information, not responding to a dispute. ] Violation of XXXX XXXX XXXX XXXX XXXX Under the provisions of XXXX XXXX XXXX XXXX, entities are liable for damages caused by their negligent failure to comply with the requirements of the FCRA. Your actions ( or inactions ) have caused me to suffer [ financial harm, loss of credit opportunities, emotional distress, wrongful repossession. ]. 

The FCRA requires that : XXXX. [ disputed information is thoroughly verified or updating inaccuracies immediately. ] Your failure to uphold these obligations constitutes negligence under the FCRA, as outlined in XXXX, and has directly resulted in harm to me. 

Resolution Requested : To resolve this matter, I request the following actions : 1. [ correcting inaccuracies, providing proof of compliance, compensating for damages, remove hurting accounts on report ] XXXX. [ PLEASE RESPOND WITHIN 14 DAYS. ] If this issue is not addressed promptly, I am prepared to pursue further legal action to ensure compliance with federal law and recover damages as provided under XXXX. 



I trust that you will take this matter seriously and rectify the situation promptly. Should you have any questions or require further details, please contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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, which transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: 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 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 2025-01-26 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also state a c onsumer replorting agency can not finish a account without my written instructions.

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: 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also state a c onsumer replorting agency can not finish a account without my written instructions.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All of the credit inquiries attached to my XXXX  and equifax credit scores are inquiries from sources unbeknownst to me. I am requesting an immediate removal of said inquiries from my credit.

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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account appearing on my consumer credit report. I do not recognize this fraudulent account as mine. I am a victim of a data breach and Identity Theft. Kindly block and Delete the Account Name : [ XXXX XXXX XXXX ] [ Account number : XXXX ] within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please Remove and Delete this fraudulent account from my Credit Report immediately. They are hurting my ability to obtain credit. Please find the attached FTC Report and other relevant documents.

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 — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/year>, {$500.00} sent to wrong individual. Zelle would not assist in recouping, or reversing the funds or placing a stop of the transaction.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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