vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

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 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 2025-01-22 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: Aqua Finance, Inc.
State: CA

Complaint narrative:
i wasn't informed that the company would be doing a hard credit check i already had and existing account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and i have not lived with my mother for roughly 20 years, nor have I ever given up any of her information such as phone numbers, addresses or email addresses to any company or creditor I've ever had. This company has emailed my mother as if she we myself informing her of this debt and my obligations to pay, and if I do not respond the negative impacts on my credit were imminent. She also receives an obsurd amount of phone calls where my information is being given out to her and my aunt at times about my financial situations and the possible jail time I face if my family does not have me pay. 
LVNV Funding LLC, XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 complain against to Cash App ( Block , Inc. ) due to inadequate customer services 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 Electric 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: 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: AL

Complaint narrative:
I received a letter from Equifax in the mail claiming that the identity information i provided does not match the information they currently have on file. In my recent dispute i filed with CFPB, i attached my current ID that has the exact address they sent the letter to, Social Security card, proof of address that has the exact mailing address they sent the letter to. This claim is entirely false & i believe this is a deliberate stall tactic to avoid properly investigating and addressing my disputes! Which is a violation of the FCRA once again.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 Subject : Request for Address Removal from Credit Report To Whom It May Concern : I am writing to formally dispute the address listed on my credit report under my file. The address in This address is inaccurate and no longer relevant to my current credit profile. I kindly request its removal to ensure my report reflects accurate and up-to-date information. 

Enclosed are the following documents to verify my current address : A copy of my government-issued ID. 

A recent utility bill showing my current address. 

[ Any other supporting documentation, if applicable ]. 


Please investigate this matter and remove the incorrect address from my credit report. I would appreciate confirmation once this has been resolved. 

Thank you for your prompt attention to this matter. Should you require further information or additional documents, please do not hesitate to contact me at [ your phone number or email 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

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 have disputed fraudulent information on my credit report since 2021, and no information has been verified from the 3 credit bureaus. ( XXXX XXXX Transunion ) Unverified items were marked Verified. I have submitted over 50 disputes ( online and through mail ). And over 15 disputes on CFPB, and each time they stated that the items being disputed were verified when they never were verified. As demonstrated in CFPB lawsuits and reflected in my experience : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 Failure to ensure maximum possible accuracy in credit reporting ( Section 1681e ( b ) ).

Improper handling of disputes, including inadequate investigations and failure to correct or delete inaccurate information ( Section 1681i ).

Reinsertion of previously deleted items onto my credit report without providing proper notification ( Section 1681i ( a ) ( 5 ) ( B ) ).

Reporting unverifiable items as verified without proper substantiation.

2. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ), as highlighted by the CFPB lawsuits.

3. State Consumer Protection Laws [ Add any relevant state-specific laws, if applicable. ]

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed fraudulent information on my credit report since 2021, and no information has been verified from the 3 credit bureaus. ( XXXX Experian XXXX ) Unverified items were marked Verified. I have submitted over 50 disputes ( online and through mail ). And over 15 disputes on CFPB, and each time they stated that the items being disputed were verified when they never were verified. As demonstrated in CFPB lawsuits and reflected in my experience : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 Failure to ensure maximum possible accuracy in credit reporting ( Section 1681e ( b ) ).

Improper handling of disputes, including inadequate investigations and failure to correct or delete inaccurate information ( Section 1681i ).

Reinsertion of previously deleted items onto my credit report without providing proper notification ( Section 1681i ( a ) ( 5 ) ( B ) ). 
Reporting unverifiable items as verified without proper substantiation. 
2. Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5536 Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ), as highlighted by the CFPB lawsuits.

3. State Consumer Protection Laws [ Add any relevant state-specific laws, if applicable. ]

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In 2024 I found accounts on my credit reports which are not mine. Ive disputed them with all 3 credit bureaus, reported them not mine. some were closed or charged off some were not. Im currently now working with " XXXX XXXX XXXX' to clear 13 items from my reports due to my personal information found on the dark web. It has and still is preventing me from moving because my credit score being too low. XXXX XXXX even wrote a letter on my behalf for any potential landlord and so far it hasn't helped. I feel very vulnerable that I have to show to any potential landlord very sensitive information and yet they are denying me.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XXXX XXXX. 

I have banked with Citizens Bank for 10 years and I had my phone stolen and {$800.00} sent from my phone with my bank app and the money has not been given back to me. I made a police report and my money still is missing. I will be closing my account but I will not be paying that money back. Citizens Bank is a fraud bank!

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: NC

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 's 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 an 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 air resolution requirements under the electronic fund transfer act ( efta ) And regulation E these actions have cause 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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
XX/XX/XXXX my mother applied on my behalf ( I was aXX/XX/XXXX) to apply for the Federal Direct Student Loan to attend Georgia College and XXXX University, and used her credit/tax information for the original Master Promissary Note. I went to school, and then on XX/XX/XXXX paid the full entire amount of the loan, including interest, {$5900.00} paid off. I then closed the account with EdFinancial and never heard any further correspondance. 
On XX/XX/XXXX ( 4 years later ) - I received an email stating that I had an outstanding balance on my EdFinancial account. I had to create a new account to access it, and when I did, the amount of {$6100.00} was on my account. I called, and after 3 months of trying to get ahold of a supervisor, they stated that on XX/XX/XXXX at XXXX, I had called and " verbally requested '' something called " COVID Relief ''. I then asked to hear the voice recording, and was told I needed a subpoena from a judge to hear my own voice recording. They stated that because of this recording, it was a " Legal and Binding Contract '' - and that they REOPENED my ORIGINAL loan of from XXXX based on the Master Promissary Note, and the US. Treasury mailed me a check for my {$5900.00}. They tried to say I deposited the check, but I have no evidence of this in my checking account or history, and they did not have the evidence on my online account. In Fact, they DELETED my payment history of all my interest payments, the date where I paid it off. I have all the proof on my end in the form of bank statements, and I also recorded the conversation I had over the phone with the EdFinancial Supervisor. 

I NEVER Requested to reopen this loan. I do NOT believe I owe ANY money to this program or loan. This is FRAUDLENT- if I do not have WRITTEN and SIGNED contract stating that I will pay back this loan in full, when I supposedly " requested '' it in XXXX, then I will not be repaying this. EdFinancial needs to be held responsible, and take this balance off my account entirely.

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these Inquiries ..Please have them removed thank you! 

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

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and eqiufax did not do a complete and thorough investigation into my credit disputes

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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXX XXXX XXXX  failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient when transactions were authorized. I was charged fees due to lagged posting of charges and credits.This issue aligns with the current CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and requests 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 2025-01-22 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: TX

Complaint narrative:
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 unfeasible. The CFPB 's 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation