vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a follow up complaint to the previous case # XXXX submitted on XX/XX/XXXXXX/XX/XXXX as the issue has still not been resolved. 
Here is the overview of the situation : $ XXXX wire transfer stuck after Citi account closure Need urgent resolution. On XX/XX/XXXX, I received $ XXXX into my Citi checking account as a help with an urgent situation. Fortunately, I did not need the money and tried to return it back to my friend 's XXXX account. However, upon trying to do that Citi bank closed my account without providing any reasons and returned only a fraction of the amount left in the account upon its closure. 
Key events : - On XX/XX/XXXX, Citi sent a letter confirming that the account would be closed without explanation. - On XX/XX/XXXX, I opened an exec team request to return the remaining balance. - On XX/XX/XXXX, Citi sent a check but it was missing the $ XXXX. - On XX/XX/XXXX, per Citi directions a wire transfer recall request was submitted from XXXX to Citi. After that Citi verified that I was willing to return the money. However, after all the due diligence Citi was still not returning the funds. - On XX/XX/XXXX I submitted a complain through CBPB on this matter. - On XX/XX/XXXX Citi responded with the official letter requesting hold harmless letter from XXXX. - In XXXX XXXX provided the hold harmless letter to Citi as per their request. However, despite multiple follow-ups with both banks Citi is still holding the funds without any details on the process, timelines, and next steps. 
Happy to provide wire transfer confirmation, account statement, and other details upon request.

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 2025-01-21 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 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 2025-01-22 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 Zelles 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 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 2025-01-22 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-22 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt and Request for Validation Dear JEFFERSON CAPITAL SYSTEM LLC I am writing to formally dispute the debt that your agency claims I owe, referenced by the reported account on my Credit report According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt, and I hereby request that you provide me with the following : 1. Verification of the debt including the name and address of the original creditor. 2. Proof of my obligation to pay the alleged debt, such as a signed purchase agreement or contract.

3. An itemized statement showing how the alleged amount was calculated.

Upon reviewing my records, I do not recall ever entering into any agreement or making any purchase that would result in this debt. Without proper documentation to substantiate the validity of this claim, I believe this debt to be inaccurate and unauthorized.

I request that you cease all collection activities related to this matter until this debt is properly validated. Furthermore, I request that you notify any credit reporting agencies to which you have reported this debt that it is currently in dispute, as required by law.

If the company can not provide the requested documentation within 30 days of receipt of this letter, I will consider this debt to be invalid. Failure to validate the debt will result in my seeking legal action to protect my rights under federal law. Potential actions may include, but are not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA.

Pursuing legal remedies for any damages caused by the inaccurate reporting of this debt to credit bureaus.

Seeking compensation for emotional distress and financial harm due to the improper collection practices.

Please respond to this dispute and provide the necessary documentation to the address listed above. I look forward to your prompt response to this matter. 

Sincerely, XXXX XXXX Refused to provide The purchase agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one changed the interest rate without any notifcation. 
I originally signed up for the savings XXXX because they advertsed as the best and highest in the nation. After a few months I noticed my interest was much lower. They lowered the interest rate without notification and made it lower than most banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 to formally expressed my concerns regarding Zelles 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 to investigate my claims adequately. They informed me that the 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-22 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-22 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am a XXXX XXXXXXXX XXXX customer who sent a {$1000.00} deposit to a friend 's relative as deposit to hold a vehicle. The deposit was to be returned if vehicle wasn't wanted after being seen Details Print Status Paid Zelle payment To XXXX  XXXX XXXX XXXX XXXX Zelle XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1000.00} Transfer Request Date XX/XX/year> Message Refundable deposit if not purchased, friend of XXXX XXXX Confirmation Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
Dear CFPB, I am writing to formally submit a complaint against Equifax in light of their recent conduct regarding investigations of credit reporting errors, as highlighted in your own announcement regarding their {$15.00} XXXX settlement for improper practices. 

As an individual who has had an ongoing issue with my credit report, I am deeply concerned about the integrity and reliability of the credit reporting process. My experience with Equifax has revealed significant flaws in their handling of disputes related to inaccuracies in my credit report. 

I submitted a dispute regarding I expected Equifax to conduct a thorough and fair investigation into my claims, as required by law. However, my experience has demonstrated that their investigation was anything but adequate. 

Details of My Experience : XXXX. Inadequate Investigation : Equifax 's response to my dispute was cursory at best. They failed to perform a meaningful review of the evidence I provided, which included [ describe any documents or evidence you submitted supporting your dispute ]. 

XXXX. Lack of Communication : The process lacked transparency. I did not receive clear explanations regarding the outcomes of my disputes, nor did I have adequate opportunities to follow up or ask questions. 

XXXX. Repeated Errors : Despite my efforts to rectify the inaccuracies, they continued to reappear on my credit report, negatively impacting my credit score and ability to secure loans or favorable interest rates. 

XXXX. Failure to Adhere to the Law : It has become evident that Equifax did not comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Their actions have caused me not only financial harm but also considerable emotional distress. 

Request for Action : I believe it is crucial for the CFPB to take note of the systemic issues regarding Equifax 's investigation process, particularly in light of their settlement for similar practices. I urge the CFPB to further investigate Equifaxs compliance with credit reporting regulations and ensure they implement necessary changes to protect consumers from such lapses in the future. 

As a consumer, I expect fair treatment and accountability from credit reporting agencies. I appreciate your attention to this matter and look forward to your response regarding any actions that can be taken on my behalf or in the interest of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XX/XX/2024

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, Capital One had a vendor issue and didn't give me my direct deposit for over XXXX hours. I didn't receive my direct deposit until XXXX XXXX XXXX  at XXXXXXXX XXXX  During this timeframe, I had multiple return payments due to this issue. I requested reimbursement for the inconvenience, but Capital wouldn't grant my request for reimbursement. I spoke to a representative and they stated they couldn't reimburse me. I requested a supervisor. The representative went to get a supervisor but stated none was available. I advised I will wait. Representative placed me on hold for XXXX minutes. Representative came back and stated there aren't any supervisors available at the moment and it will take over XXXX minutes before one might be available. I asked can they give me a call back in regard to the situation. The representative stated they Capital One doesn't call back customers. Advised I will wait. Representative placed me on hold for XXXX minutes and stated the XXXX might take another XXXX minutes to come to the phone. I advised I'm getting off the phone and will file a complaint about Captial One not wanting to reimburse customers who they inconvenienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way of the Fair Debt Collection Practice Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item was, were the goods received, when were the goods received etc. ) for the entire amount you say I owe obtained directly from the original creditor. 

The Contract Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original debt.

The obligation between you and I that allows you to collect on the alleged debt and transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

Proof of photo identification ( i.e. drivers license state identification card or any other government document issued document ) that was presented to you at the time of incurring this debt.

Letter of sale of assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt. 

Proof that this debt has not been charged off Any other intimate knowledge of the creation of this debt by you, the collection agency While I prefer not to litigate. I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to a successful resolution of this matter, removal of this debt off my file.

Charge Off Letter A charge off account stop being a debt when once it comes a charge off account Tax Law says that when a debt becomes a charge off debt, the status changes from a debt to income According to the FCRA income can not be reported on your credit file.

This account must be removed asap from my credit report Please note that you have 30 days to complete the investigation as per the FCRA section 611. 


Sincerely, XXXX 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 explanation