vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Financial Protection Bureau, Subject : Complaint Against New Rez Regarding Withheld Insurance Funds I am writing to file a formal complaint against New Rez Mortgage Company concerning the delayed disbursement of insurance funds needed for critical repairs to my home, which was severely damaged by a recent hurricane and subsequent flooding. 

Details of the Issue : Insurance Claim : Following the disaster, our insurance company promptly issued a payout check to cover the damages. As per standard procedure, the check was made payable to both my spouse and me, as well as New Rez, our mortgage servicer. 
Submission of Documentation : We have diligently submitted all required documentation to New Rez, including detailed receipts and invoices for completed repairs, as well as proof of incurred expenses. 
Financial Hardship : Due to the withholding of these funds, we have been compelled to max out our credit cards to finance the necessary repairs, placing us under significant financial strain.

Inspection Delay : We were informed that an inspection was required to proceed with the fund disbursement. Despite requesting the inspection over two weeks ago, we have yet to receive any communication. 

Attempts to Resolve : We have made multiple attempts to contact New Rez to expedite the release of our insurance funds, but our efforts have not yielded any satisfactory results. The continued delay is causing undue hardship and impeding our ability to restore our home and stability. 

Requested Resolution : We respectfully request the Consumer Financial Protection Bureaus assistance in : 1. Promptly facilitating the release additional insurance funds held by New Rez.

2. Ensuring that New Rez adheres to fair and timely practices in handling insurance disbursements, as mandated by federal regulations.

3. Preventing further financial harm due to the unjustified withholding of funds necessary for essential home repairs. 

We appreciate your prompt attention to this matter and look forward to a resolution that allows us to proceed with the necessary repairs to our home. 

Sincerely, XXXX and 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 2025-01-23 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: GA

Complaint narrative:
I would like for XXXX XXXX XXXX to provide documentation that supports the reason why this account is reporting. Where is the permissible purpose I gave for account to report. If you cant provide documentation with my signature, please remove account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the CFPB XXXX, Transunion, and XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. The pending lawsuits are disheartening, I am a federally protected consumer with a lot to lose due to your negligence. Please do your job and vet the information before you allow a company to report negative accounts without the consumers consent. 

According to IRS regulations, any debt over {$600.00} that is charged off requires the creditor to issue a Form 1099-C. Therefore, I am formally requesting a copy of the 1099-C that your company issued for the charged-off debt listed on my consumer report.

Income is not allowed on a consumer credit report Please see the attachment!!!

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 2025-01-23 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: CA

Complaint narrative:
According to the CFPB XXXX, XXXX, and Equifax does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. The pending lawsuits are disheartening, I am a federally protected consumer with a lot to lose due to your negligence. Please do your job and vet the information before you allow a company to report negative accounts without the consumers consent. 

According to IRS regulations, any debt over {$600.00} that is charged off requires the creditor to issue a Form 1099-C. Therefore, I am formally requesting a copy of the 1099-C that your company issued for the charged-off debt listed on my consumer report.

Income is not allowed on a consumer credit report Please see the attachment!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-01-23 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MA

Complaint narrative:
I've been a victim of Identity Theft and I have reported it to identitytheft.gov with the reference number XXXX I also noticed some unidentify inquiries on my credit report. 
Listed below are the unidentify inquires showing the bank names and dates : Bank Name : XXXX XXXX Date of inquiry : XXXXXX/XX/year> Bank Name : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Bank Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Bank Name : XXXX XXXX Date of inquiry : XX/XX/year> Bank Name : XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/year>

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 2025-01-23 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 express my concerns regarding Zelles handling of dispute, 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 the recovering lost funds was impossible, and that tracking these transaction was unfeasible the CFPBs finding Indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving userss 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 2025-01-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As XXXX 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent letters all 3 CREDIT BUREAUS including XXXX XXXX and other credit reporting agencies and background check companies. Please remove all the invalid and negative information from my profiles.

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 2025-01-23 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 submitting a formal complaint against Equifax, XXXX, and XXXX for their failure to adequately investigate my disputes concerning inaccurate information in my credit reports. Despite my repeated submissions, these credit bureaus consistently respond within 24 hours asserting that the accounts are accurate, yet they do not provide any evidence of a comprehensive investigation. This behavior is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, the actions of Equifax, XXXX, and XXXX may also breach the Consumer Financial Protection Act ( CFPB ), as outlined in 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was recently emphasized in a CFPB administrative proceeding ( File No. XXXX ) against them for similar infractions. I urge the CFPB to take appropriate measures to ensure that Equifax, XXXX, and XXXX comply with federal law and provide consumers with the necessary documentation of their investigations. The accounts in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
My employer 's pay company received a court order to garnish my pay. I was never informed of a debt. My credit report does not show any debt. The court order case number was for XXXX  in XXXX  and indicated a bank that is no longer in business. The bank that purchased the bank shown on the order does not have any record of a debt owed using my name and/or SS #. The court assistant I talked to says there was no validating debt for the court order. If the debt was real, which has not been proven, is beyond the statue of limitations for debt collection. I was never given the opportunity to dispute this debt before garnishment was started.

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 2025-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: FL

Complaint narrative:
I attempted to pay for my daughters orthodontist visit when I was told the cash app card declined. I checked to confirm I didnt have my card locked and that the funds were there through the cash app mobile application. Everything looked fine but I received an email stating the transaction was declined due to suspicious activity. I called customer services to inquire about declined transaction. Initially I suspected it was just a precaution due to it being the first time I used the card at my daughters orthodontist office and it would be resolved once I verified I was making the transaction. I spoke with a gentleman who informed me that I am no longer allowed to use the cash app card and that I will only be able to transfer my funds to another personal account or to send money to a friend or family member but no deposits and no purchases. Naturally, I asked why? What happened on the account that caused me not be able to utilize my card anymore? Ive had the account for years and never had any issues, nor was I notified that I violated any terms of my account or that I would no longer be allowed to use it.. I was told unfortunately theres nothing we can do about the transaction or resolving the ability to use the account. I said thats fine but I want to know why and what happened? Still no explanation so I asked to speak to someone higher up and after three attempts of the gentleman trying to transfer me to a manager he tells me none of the managers are available and that the matter would be documented as a complaint and that an email manager would be reaching out via email. We ended the call and I received a email from a manager from cash app by the name of XXXX. I explained the situation and she told me word for word the same thing the gentleman on the phone said. When I asked the same questions as to why I cant use the account and what exactly happened? The question was completely avoided and I was told no further information could be provided as there was nothing on the account to explain why and that the complaint would be closed as resolved. I responded confirming that my complaint was not resolved and I did not receive an explanation as to why I can no longer use my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used my company debit card Chase Bank withdraw {$2100.00} on 3rd party ATM ( XXXX XXXX XXXX ) on XXXX at XXXX XXXX XXXX XXXX I found duplicated transaction {$2100.00}. When I withdraw I know my account balance is only {$3300.00}. But Chase double charged me cause my balance is- {$920.00}. On XXXX I claimed to Chase bank for the {$2100.00} and Chase reversal {$2100.00} on the same day. But I found claim reversal on XXXX that day I called 7 times to Chase but they said the transaction is happened in XXXX XXXX they refused to claim. So I contacted 3rd party XXXX XXXX TNS they provided me the evidence that only one {$2100.00} happened on the record they ask me to complain Chase. So I called 5 times escalated to their manager but still no feedback. Please help me to claim back my {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I would like all overdraft, frees to be reimbursed to both accounts within the last twenty four months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My personal data was leaked in several data breaches. I use XXXX XXXX to monitor my personal information and I was informed that my personal information such as Social Security number, date of birth, name and address were leaked. Also the balance on the credit card accounts could include fraudulent purchase and fees. Per the Right to Privacy Act 15 USC 1681 my information should have remained secure and never reported on any credit report without my consent. 

The accounts in question are as follows : XXXX XXXX Account XXXX  ending in XXXX {$3600.00} XXXX Account XXXX  ending in XXXX {$11000.00} Capital One Account XXXX  ending XXXX {$9800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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