vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: MA

Complaint narrative:
Experian had failed to fulfill its legal obligation under the Fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau 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 or 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have never filed bankruptcy this is a false reporting and needs to be investigated and removed immediately they never contacted the courts for this information so it is fraud by them reporting something that was never investigated properly

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 2025-01-17 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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was feasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving the user vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
I am writing to formally dispute the information on my ChexSystems file, specifically the entry provided by XXXX XXXX XXXX XXXX ( source of information ). This dispute concerns the account marked for Account Abuse, which ChexSystems has verified as accurate per their recent communication dated [ XX/XX/year> ]. I assert that the process used to verify the information does not satisfy the requirements set forth by the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that all disputed information must be verifiable through a reasonable investigation. 

I am requesting that ChexSystems provide the following information to substantiate their verification of the disputed account entry : Provide documentation or a detailed description of the method used to verify the accuracy and completeness of the information reported by XXXX XXXX XXXX XXXX, including how the alleged account abuse was validated. 

Please provide copies of any supporting documents or communications obtained from XXXX XXXX XXXX XXXX, confirming that the information they provided is accurate and complete, especially in relation to the alleged account abuse. 

A clear explanation of how the investigation was conducted by ChexSystems to ensure the accuracy of the disputed entry, and why it was determined to be accurate without any errors or omissions.

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 2025-01-17 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:
I am filing a complaint against cashapp ( 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 2025-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Supreme Solutions
State: MN

Complaint narrative:
I got into a car accident in XX/XX/year> and the car was totaled my insurance paid over XXXX towards the car and the loan was only for over XXXX and I owed XXXX I asked if they could just write it off because the car was totaled and I can't pay it anymore. I told them they could send it to collections and they won't send it to collections they keep putting more interest on it and saying they won't send it to collections because I have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: NJ

Complaint narrative:
Im writing to formally express my concerns regarding Zelles handling 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 lossn and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

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 is impossible and tracking transactions is unfeasible. The CFPBs findings indicate the zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system while leaving users vulnerable to scammers. 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 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an alert stating that an application had been submitted for a credit card. I did not apply for a card and immediately called to report it fraudulent and froze my credit reports.

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 2025-01-17 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on 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 immediately corrective action remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as 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 2025-01-17 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: MS

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft 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, where 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want reported accounts removed - XXXX XXXX 
 Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Since Opening the account in XXXX to present day while awaiting to obtain permanent transportation and housing assistance from the Veterans Affairs Department I have been staying in Suites and Hotel Rooms and utilizing Rideshare services. Chase Bank has been double charging me and overcharging me for utilizing these services. Ive noticed numerous errors with my funds and have reported them to the bank with no resolve. JP Morgan Chase Bank claim they are investigating these charges and Im not seeing proper evidence of this being true. Recently, I submitted a screenshot of the conversation with Hotel Management regarding my recent stay at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX NC having roaches in both rooms and being unsanitary. This specific location didnt provide accommodations according to the ADA Amended of 2008 being that the bar in the shower/tub was broken in addition to the unsanitary conditions. I checked out of the stay 2 days earlier due to the difficulty of obtaining a proper room. The company provides a temporary credit and subsequently reverses the credit while awaiting for direct deposits to be processed in my account with my VA funds to then reconcile the account. This is fraudulent business practices in that it violates consumer finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Did not receive direct deposit also I have a checking, saving, and cd account with the company and I know there is a lawsuit alleging capital one mismanaged its assets which caused $ XXXX in losses for consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: AL

Complaint narrative:
I have never filed bankruptcy this is a false reporting and needs to be investigated and removed immediately they never contacted the courts for this information so it is fraud by them reporting something that was never investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX First Progress First Latitude Card XXXX XXXX XXXX XXXX XXXX. SD XXXX RE : Request for Refund of Unused Funds Not Applied as Security Deposit Dear First Progress First Latitude I am writing regarding funds I submitted in connection with opening a credit card account, which were not used as a security deposit. According to my records,XX/XX/XXXX an amount of {$200.00} was provided on XX/XX/year> but it appears that this amount was not applied toward opening the account or securing the credit line. 

Under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z ( 12 C.F.R. Part 1026 ), credit card issuers are required to clearly disclose and handle funds related to credit accounts fairly. If the funds were not used as intended, they must be returned to the consumer promptly. Failure to do so may result in regulatory penalties and enforcement actions by the Consumer Financial Protection Bureau ( CFPB ). 

I respectfully request that the unused funds of {$200.00} be refunded to me within 14 days of receipt of this letter. Please issue the refund via [ preferred method, check to the address or account listed above. 

If this matter is not resolved promptly, I may consider filing a complaint and pursuing additional remedies under federal law. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX Relevant Regulations and Penalties : Truth in Lending Act ( TILA ) - 15 U.S.C. 1666d : Credit card issuers must handle funds transparently and can not retain funds that are not used for their disclosed purpose.

Regulation Z - 12 C.F.R. 1026.12 : Requires prompt refunds of unused funds not applied to the account. 

CFPB Enforcement - 12 U.S.C. 5531, 5536 : Penalties for unfair, deceptive, or abusive practices ( UDAAP ) may include fines and corrective actions.

Failure to Refund Penalty : Creditors may face statutory damages and civil liability for violating TILA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The advertised interest rates werent revived, or were back tracked after opening the account. I opened a high yield savings account through the company Capital One due to the high interest promised in XX/XX/2022 The rate was 4-4.3 % Then reduced considerably afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Nationstar reported to my credit rule that I was 120 days late from XX/XX/year> until XX/XX/year> i was never hate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
XXXX XXXX  XXXX I was paying notes and I got into an accident and they totaled the car and they was supposed to to take this car off my credit report. 

XXXX XXXX XXXX XXXX I dont remember ever opening an account here XXXXXXXX XXXX XXXXXXXX XXXX XXXX I DONT KNOW KNOW WHAT THIS IS! 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX This isnt my account my dad is the primary owner made all the payments I was added on when I was in XXXX  it should be on his credit because I never used it at all and it was to help my credit or help his but this account was made under my father

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Due direct deposite, over 2 days of not recieving a paycheck. As a single working mother I require my check on time. My company submitted payroll as per usual on a non holiday week. With no warning of impending non payment I have since had to miss 2 days of work because I can not travel to or pay my child care provider. I also can not buy groceries, diapers, and due to late payment I will not have a phone line as of tomorrow. 
This is not a minor inconvenience. The financial ramifications of missing work will set me off for months missing just 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: Mercedes Benz Financial Services
State: IL

Complaint narrative:
During my lease with Mercedes Benz financial. I applied for a deferred payment. During my process of deferring my payment, my payment that was supposed to be covered with the deferred payment was reported late. I was never late during this lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
I am writing to formally address my concerns about Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that exposed significant issues with the platform. Despite having used Zelle multiple times and reporting transaction discrepancies, my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPBs findings reveal that Zelle has not only failed to safeguard its users but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have never filed bankruptcy this is a false reporting and needs to be investigated and removed immediately they never contacted the courts for this information so it is fraud by them reporting something that was never investigated properly

Company response to consumer: Closed with explanation