vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle XXXX 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 XXXX findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint against Capital one regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX savings account as having one of the nation 's Highest interest rates yet failed to notify accountholders about the superior rates offered by the XXXX Performance Saving account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer Financial Protection Act and the Trust in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Real Time Group, Inc.
State: NJ

Complaint narrative:
Real Time claims to own the note and right to foreclose. Upon my own review of documents I never applied for this loan separately, all this was done by the lender, it was not presented during closing as a HELO, I was never given any copies of the paperwork until I questioned the authenticity of the loan. Most importantly I was scheduled to close on the property on XX/XX/year> but had reservations so I did not close on that date. Apparently the lender, lawyer representing me, and all other parties, wanted to hurry and close so no one wanted to change the date. The closing was actually done on XX/XX/year>. 
Also there have been a few sales of this property. The last info I received shows 2 liens on this property. The latest lien holder according to XXXX XXXX XXXX XXXX, is XXXX, RTR HAS NEVER HAD A LIEN, nor has this loan ever been reported as a debt to any credit reporting agency. Why wait 16 years to begin a foreclosure. Documents included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: AZ

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 failed to adequately notify consumers of dispute outcome. 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 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 2025-01-21 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: CT

Complaint narrative:
I served in the XXXX XXXX from XXXX. During that time I believe I was charged on that overdraft fee by XXXX XXXX countless of times, Im sure wed be able to see the accurate amount of times with some digging. This is the first time Ive heard of the lawsuit against Navy federal from which I found out through a friend who served with me. I just wanted to put this complaint in to get Information on how to proceed and if Navy Federal owes me any additional compensation from that time period. Im not sure of the exactly amount but I remember while serving this happening to me a lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I 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 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A credit card payment showing late and it was never late, and all of the inqiures on my report I never gave permission for anyone to run my credit for any reason. I had asked many time to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This car was NEVER repossessed. This car was totaled XX/XX/scrub>/2022. They placed it on my credit report as a repossession when it was a total loss. The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have asked XXXX XXXX multiple times to validate and delete the false and now outdated information that they have listed on all of my credit reports. I have filed two prior complaints via the CFPB ( XXXX & XXXX ) and they still have not truly validated and deleted this erroneous information. 

XXXX XXXX stated in its response that its records show that the first day of delinquency for my account was XX/XX/XXXX and yet the car was first repossessed on XX/XX/XXXX and again on XX/XX/XXXX ( according to their own records which I have again attached to this complaint ). Obviously, the date of FIRST delinquency has to be before the car was repossessed the first time as you would not repossess a car that WASN'T FIRST DELINQUENT. The true first day of delinquency was the date I reported, which was XX/XX/XXXX. That makes this account over the XXXX years in age from the first missed payment. It is illegal to keep reporting it past this timeframe. XXXX XXXX is deliberately trying to keep this on my credit report by illegally re-aging the dates and by doing so, is causing me irreparable harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have asked XXXX XXXX multiple times to validate and delete the false and now outdated information that they have listed on all of my credit reports. I have filed two prior complaints via the CFPB ( XXXX & XXXX ) and they still have not truly validated and deleted this erroneous information. 

XXXX XXXX stated in its response that its records show that the first day of delinquency for my account was XX/XX/XXXX and yet the car was first repossessed on XX/XX/XXXX and again on XX/XX/XXXX ( according to their own records which I have again attached to this complaint ). Obviously, the date of FIRST delinquency has to be before the car was repossessed the first time as you would not repossess a car that WASN'T FIRST DELINQUENT. The true first day of delinquency was the date I reported, which was XX/XX/XXXX. That makes this account over the seven years in age from the first missed payment. It is illegal to keep reporting it past this timeframe. XXXX XXXX is deliberately trying to keep this on my credit report by illegally re-aging the dates and by doing so, is causing me irreparable harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have asked XXXX XXXX multiple times to validate and delete the false and now outdated information that they have listed on all of my credit reports. I have filed two prior complaints via the CFPB ( XXXX & XXXX ) and they still have not truly validated and deleted this erroneous information. 

XXXX XXXX stated in its response that its records show that the first day of delinquency for my account was XX/XX/XXXX and yet the car was first repossessed on XX/XX/XXXX and again on XX/XX/XXXX ( according to their own records which I have again attached to this complaint ). Obviously, the date of FIRST delinquency has to be before the car was repossessed the first time as you would not repossess a car that WASN'T FIRST DELINQUENT. The true first day of delinquency was the date I reported, which was XX/XX/XXXX. That makes this account over the seven years in age from the first missed payment. It is illegal to keep reporting it past this timeframe. XXXX XXXX is deliberately trying to keep this on my credit report by illegally re-aging the dates and by doing so, is causing me irreparable harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have over XXXX inquiries on my report that are not authorized. 

Incorrect addresses and names. 

Unauthorized reports by XXXX that are identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the month of XXXX I was unable to make the minimum payment on my credit card and spoke with a capitol one representative who said I would be charged a late fee and would be granted some extra days. When XXXX came the promise was not upheld and I received a late fee. I called capitol one when this happened and expressed my concerns. The representative apologized and helped me by putting me in the suppression program until I was able to pay the balance of my card. She said this would keep my card in good standings until it was fully paid off. On Saturday XX/XX/XXXX I got a message stating that I had a closed account. I called capitol one and was told my account has been closed. There is no valid reason why my account has been closed. My last minimum payment was not more that 180 days ago and I was promised this wouldn't happen with me being enrolled in the program I was enrolled in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please block and remove the following accounts Due to Equifax data breach. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX regarding a account I noticed on my XXXX report that's not mine. I submitted a dispute of this account. The account details show that I was added to this account as a authorized user. I have also called CITICARDFS CBNA at XXXX. They told me they couldn't assist me without the information for the primary account holder. I told them I don't have any information on the account from who the primary person is or their information or full account number. They told me that they could not assist me without this information. I told them this is not my account and I should not be on someone else 's account. They said agai they couldn't assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: 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: TX

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Remove Unauthorized Hard Inquiries Dear Equifax, I am writing to formally dispute the accuracy of certain hard inquiries appearing on my Equifax credit report. Upon reviewing my report, I have identified several inquiries that I do not recognize or authorize. These inquiries are negatively impacting my credit score and need to be verified or removed. 

The inquiries in question 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 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  I kindly request that you investigate these inquiries. If these inquiries can not be verified as authorized by me, I ask that they be promptly removed from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Enclosed are supporting documents for verification purposes, along with a copy of my credit report with the disputed inquiries highlighted. 

Please notify me in writing of the results of your investigation at your earliest convenience. If additional information is required, feel free to contact me directly. 

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

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: VA

Complaint narrative:
TransUnion 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 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 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 XXXX '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