vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a couple million dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible.

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents in my employment case, then worked for you UPS they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like Flagstar Bank who XXXX the same thing because they can't believe that somebody I know there's very few of us out there are good people.

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/year> {$1000.00}. Attempted to get my funds refunded but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
Subject : Complaint Regarding Experians Handling of Dispute and Violations of the Fair Credit Reporting Act ( FCRA ) Company Name : Experian and XXXX Financial Issue Description : I am filing this complaint to address Experians inadequate handling of a dispute I submitted on XX/XX/year> concerning an inaccurate account reported by XXXX XXXX XXXX ( Account starting with XXXX ). 

Within less than XXXX hours of submitting my dispute, I received a response from Experian stating, The incorrect account with XXXX XXXX XXXX has not been changed and will remain on your credit report. This response was issued without providing evidence of a thorough investigation or the method of verification, as required under the Fair Credit Reporting Act ( FCRA ). 

This account should be investigated for the following reasons : XXXX. Account Inaccuracy : The account is inaccurately reported as a charge-off on my credit report.

I have not received a 1099-C form for canceled debt, raising concerns about the legitimacy of the charge-off reporting. 
Without proper cancellation or forgiveness of the debt, this charge-off inaccurately impacts my credit report.

2. Failure to Conduct a Fair Investigation : Experians decision to resolve the dispute in less than 24 hours suggests that the investigation did not meet FCRA standards.

Experian failed to provide the method of verification or confirm that XXXX XXXX XXXX was contacted to validate the accuracy of the reported information. 
XXXX. Misleading and Deceptive Practices by XXXX XXXX : XXXX XXXX frequently used phone numbers with my area code, creating the false impression that calls were from a local contact. 
Representatives from XXXX XXXX falsely claimed I could stop the repossession of my vehicle and retrieve it by making a payment, even after the vehicle had been sold at auction. These actions caused confusion, distress, and financial harm. 

Impact : The inaccurate reporting of this account and Experians failure to conduct a proper dispute investigation have negatively affected my credit scorXXXX and financial standing. Additionally, the misleading practices of XXXX XXXX caused unnecessary stress and financial hardship. 

Desired Resolution : Immediate deletion of the XXXX XXXX account from my credit report. 
A full investigation into Experians dispute resolution process and XXXX XXXX reporting practices. 
Written acknowledgment of errors and assurances that such issues will not occur in the future. 
Appropriate remedies for damages caused by the inaccurate reporting and unfair practices. 

I respectfully request that the CFPB address this complaint promptly and ensure that my rights under the FCRA are upheld.

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 2025-01-18 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 infeasible. 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 Electr
onic 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 2025-01-18 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:
I am filing a formal complaint against Equifax/XXXX  for their failure to correct multiple inaccuracies on my credit report and for continuing to report unauthorized medical information in violation of HIPAA. Despite numerous attempts on my part to resolve these issues, Equifax/XXXX  has repeatedly failed to take appropriate action.

Inaccurate Reporting and Court-Ordered Documentation I have submitted legal court-ordered documents to Equifax/Experian showing the correct amount owed for an apartment-related judgment. The court order clearly indicates a different ( and lower ) balance than what Equifax/XXXX  continues to report. 
Equifax/XXXX  has been provided with copies of these documents multiple times, yet the incorrect balance remains on my credit file. This directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy. XXXX immediately resolved the issue ; I will include dispute results. 

Unauthorized Medical ( HIPAA ) Information Equifax/XXXX  is reporting account information that includes or implies sensitive medical details, which were never authorized for release.

Under the Health Insurance Portability and Accountability Act ( HIPAA ), protected health information can not be disclosed t
o third parties without explicit consent. Equifaxs continued reporting of this information constitutes a serious privacy violation. 

Failure to Investigate and Resolve Disputes I have formally disputed these items with Equifax/XXXX  on multiple occasions, submitting the necessary evidence each time ( court orders, letters from medical providers, and any relevant documentation ). 
Equifax/XXXX  has not provided an adequate investigation or valid justification for continuing to report these inaccurate and unauthorized items. 
They have also failed to communicate effectively regarding the status or outcome of the dispute process.

Impact on My Credit and Privacy Due to Equifax/XXXX XXXXXXXX negligence in correcting these errors, my credit score and financial standing have been unfairly affected. 
The unauthorized disclosure of my medical information is both distressing and damaging to my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint against TD Auto Finance for their lack of customer support, unprofessional conduct, and unwillingness to work with me during a very stressful time following an accident that totaled my vehicle. 

I purchased my XXXX XXXX XXXX at a premium price, reflecting its market value at the time of purchase. However, due to significant depreciation, the vehicle 's value decreased drastically compared to its original purchase price. A few months ago, my vehicle was involved in an accident where debris damaged the undercarriage, causing irreparable battery damage and resulting in it being declared a total loss. 

XXXX XXXX covered the depreciated value of the vehicle, but due to a policy change, they no longer included gap insurance. This left me responsible for the remaining balance of approximately {$8600.00} on my loan with TD Auto Finance. 

As a responsible borrower who has always made payments on time, I contacted TD Auto Finance in good faith to request an arrangement to continue making my regular monthly payments to cover the balance. Instead, I was met with rude and dismissive responses from their representatives, who insisted I must pay the balance in full immediately or risk having the account sent to collections. This approach is deeply concerning and lacks the empathy and flexibility one would expect from a company that promotes customer satisfaction as a core value. 

To add to my frustration, I received a letter from XXXX, an XXXX XXXX XXXX, stating that she had tried to contact me regarding my concerns. However, I never received any call or email from her. I attempted to reach her directly at the number she provided, ( XXXX ) XXXX, during her stated office hours of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I left multiple messages on her voicemail, but I never received a single call back. Despite claiming to care about resolving my issue, their lack of follow-up suggests otherwise. 

This experience has been deeply disappointing. I feel that TD Auto Finances actions reflect a complete disregard for customer needs and a lack of effort to work with borrowers during challenging times. 

I respectfully request that TD Auto Finance is held accountable for their lack of professionalism and poor customer service practices. I also urge TD Auto Finance to improve their policies and communication processes to better support customers in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
I have filed several disputes with Experian and consistently they have responded 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX I Date Opened : XX/XX/XXXX {$560.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$330.00}

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I have used Zelle for the past 4-5 years and was told my information was leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I am filing this to complaint against Cashapp for there improper service and unfair practice. Which i believe violate the CFPA. They failed to prevent fraud and had inadequate support about it which caused my account to be vulnerable and unprotected. Furthermore the dispute resolution process was deceptive and inadequate as they did not comply with error resolution requirements under the EFTA and Regulation E. This has caused me significant inconvenience and loss. And I am hoping to get remediation and fix of the injust system they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2025-01-18 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: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX and phone device stolen XXXX XXXX XXXX As soon as I realized I went to Chase Bank to report and shut down cards. Bank teller told me to return to home and do it on computer. I did. They sent verification code to my phone. Which as stated was also stolen.I collected my passport and returned to the second time to the bank. My wallet was stolen approximately at XXXX in the afternoon. I went to the bank sometime XXXXXXXX XXXX and then again around XXXXXXXX XXXX.. on my second visit to Chase Bank. I was told to sit in the room and someone would be with me. They got me on the phone and I was on the phone for over an hour. I was trying to shut down all credit cards and received very little help for my branch bankerand during this time XXXX purchases were made while I was in the bank.. They did return the first purchase from XXXX in the approximate amount of XXXXXXXX XXXX  and and for a day they returned the XXXX but immediately withdrew it again They were very unhelpful because I could not provide XXXX forms of identification. Immediately, after this, I went to the XXXX XXXX XXXX store I was a successful in turning off my phone later that evening and purchasing a new phone. In the meantime, I had family members who were tracking my phone while I was in the bank and they saw my phone traveling north of me XXXX to XXXX miles away. We have screenshots of my phone traveling while I was inside of the Chase Bank and I should be on video surveillance on the afternoon of XX/XX/XXXX on XXXX separate occasions. after this I filed a police report and I realized very quickly that my debit card and the money in my debit card had been used at an XXXX XXXX in the amount of {$5400.00}. I went back to Chase Bank several times and started talking to the fraud department about this case I was successful in obtaining a copy of my bank statement and it is very clear that a pen number PIN number was not used in this transaction. I am unable to get a copy of the receipt from XXXX because I dont have a code of the transaction and the bank is unwilling to help me. I started this Fraudulent investigation immediately the day my wallet was stolen and continue to follow up with them to no avail to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and I noticed that their is still inaccurate information reporting on my credit part from a CLOSED account that has been CHARGED OFF, I've sent in multiple documents supporting current disputes .I 've tried contacting the creditor to see if we can speed things up by removing and deleting the closed account that's harming my credit report below I've listed the creditor as well as the information I provided pertaining the closed account XXXX XXXX XXXXXXXX Account XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Closed. {$3700.00} written off. 

Status updated XX/XX/XXXX XXXX balance {$3600.00} Monthly payment - Last payment date XX/XX/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