vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: NY

Complaint narrative:
I am filing this complaint regarding Kovos reporting of seven late payments on my account from XXXX XXXX XXXX XXXX XXXX. These late payments are a result of payments from my card being misapplied to another account instead of mine. Despite making these payments on time and in good faith, my account was incorrectly marked delinquent. 

I contacted Kovo to explain the error and provided evidence showing my payments were made on time and applied to the wrong account. Kovo has refused to address this issue, investigate the error, or update the inaccurate information on my credit report. 

This is a violation of the **Fair Credit Reporting Act ( FCRA ) **, which requires furnishers of information to ensure the accuracy of data reported to credit bureaus.

-- - **Relevant Laws Violated : ** 1. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : ** Furnishers of credit information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Misapplied payments resulting in inaccurate reporting of seven late payments violates this requirement. 

2. **15 U.S.C. 1681s-2 ( b ) : ** Upon receiving a dispute, the furnisher must conduct a reasonable investigation. Kovo failed to investigate my dispute and did not correct the misapplied payments, which is noncompliance with this section.

3. **15 U.S.C. 1681i ( a ) : ** Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. Kovos refusal to investigate and address my dispute violates my rights as a consumer under this laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
Dear Experian, Subject : Formal Dispute and Notice of FCRA Violations To Whom It May Concern : I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report. 
These accounts were previously disputed and subsequently removed due to their fraudulent nature. Their reinstatement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 1. Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information. 
The credit bureau notifies the consumer within 5 business days of the reinsertion.

As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts.

Request for Immediate Action I request the following actions be taken within 5 days of receipt of this letter : 1. Removal of the fraudulent accounts from my credit report.

2. Provision of all documentation used to verify the accounts accuracy and legitimacy during the reinsertion process. 
3. A formal response acknowledging your compliance with this dispute.

Notification of Escalation If the above actions are not completed within the required time frame, I reserve the right to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities.

Pursue legal action under FCRA Sections 616 and 617 for willful or negligent noncompliance, seeking statutory and actual damages of {$1000.00} per violation, as well as attorneys fees. 
This dispute pertains to the unlawful reinsertion of previously removed information on my credit report. Under Section 611 ( a ) ( 5 ) ( B ) of the FCRA, I am requesting that this matter be resolved, and the information permanently removed from my credit report, within 5 business days of receipt of this letter, as required by law. 
This letter is being sent via certified mail to ensure proper documentation. I expect prompt and thorough attention to this matter. 

Sincerely, 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 2025-01-26 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 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 2025-01-26 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: GA

Complaint narrative:
I am victim of identity theft through the XXXX data breach. Attached is a full identity theft report with all fraudulent accounts. It is against consumer law to report fraudulent account to consumer credit reports. This account needs to be blocked as well. 

Experian Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I was unable to use my gift card on a reputable retailer 's website XXXX XXXX XXXX XXXX XXXX  because there is no Name assigned to the card. I logged into the gift card website to check the card info, but there was nothing about the Name on the card. I called the gift card support number, but the phone tree system would not connect me to a human operator after I listened to the recorded FAQ and heard nothing that helped me learn what to put in the Name field that would be accepted by the online payment processor. I searched online for solutions and found that some people were able to add their Amex gift cards to their XXXX account. This would have been an okay solution for me, but XXXX will not let me add this card because it does not have my Address registered to it. As I had just checked both the website and the phone support, I knew that there was no Address information to be found in those locations, either. With both the Name field and the Address field being unknowable to me, I can not use this card as intended for my online purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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 am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-01-26 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 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 2025-01-26 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: MD

Complaint narrative:
Sent money person never received it a few time and I never received money that was suppose to be sent to me and nothing was done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Around XX/XX/year> my cash app account was hacked. I called cash app told them that the people who hacked it obviously changed my phone number and email that was linked to my account. But I can provide my social and my birthday and all that they said they couldn't do anything. I asked them can u just close my account then so I can make ampther cashapp they told me no. well now when I try to make an account it tells me that I can't make one att all. But that's not fair if they knew my account t was hacked and this is why I asked them to close that account but they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I have an online CD account with HSBC Bank USA, N.A., that matured on XX/XX/XXXX. The bank automatically renewed my account on the same date for a one year term. I called the bank on XX/XX/XXXX to cancel the renewed CD account, the bank informed me that I am already out of the grace period and is subject to a penalty of {$62.00}, i.e., the interest of 30 days. The bank informed me that I have 10 calendar days of grace period, during with I should not be charged with an early withdrawal penalty. XX/XX/XXXX would be the XXXX calendar day after the renewal and thus within the grace period. However, according to the terms and conditions, if the grace period ends on a weekend, the grace period would be shortened to the previous business day, in this case both XX/XX/XXXX and XX/XX/XXXX are weekend, so the grace period would end on XX/XX/XXXX, I.e., the XXXX calendar day after the renewal. The bank refused to waive the penalty in this case. This term is harsh and unfair to consumer and is not standard business operation ( e.g., where a deadline ends on a non business day, it usually extends to the following business day as opposed to shortening to the previous one ), the bank did not provide adequate disclosure on such term as it was buried in the fine print, and it is outside a normal persons reasonable expectation. As such, it would be appreciated if CFPB can investigate the case and help protect individual consumers in similar situation, or at least urge the bank to provide disclosure on unusual business terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
Sure! Heres a more general template for a credit dispute letter. You can customize it based on the specific details of your case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute an entry on my credit report. Upon reviewing my recent credit report, I noticed an error regarding the accounts listed. I believe this information is incorrect and should be disputed because of the ongoing investigation with certain subsidiaries. 

I kindly request that you investigate this matter and update my credit report to reflect the correct information. 

Please confirm receipt of this dispute and notify me of the results once the investigation is complete. I look forward to your prompt resolution of this issue. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-01-26 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-26 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: FC HoldCo LLC
State: ID

Complaint narrative:
I have hard inquiries on my report that I have no knowledge of from the following companies 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 2025-01-26 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
My dad passed away in XXXX and I was the sole heir which included 2 homes in the same area. Both homes were/are in my name on the deed/titles since XXXX. 
Both homes have loans associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was/has been fantastic and made sure that this loan is in C/O I receive all statements, including year end 1098, and the county assessed documents for property taxes in my name. 

I have gone rounds and rounds with PennyMac 's " Customer Care '' over the last few years telling them that they need to provide this form. I even just recently received yet another email on Friday, XX/XX/XXXX that they are not required to provide one.

YET, they SEND ME a 1099 for the interest on the escrow! SERIOUSLY, HOW INCOMPETENT! 
I have explained over and over that they do need to. That this loan should be " in c/o '' that it isn't in an estate, trust, or company, that I am the sole property owner. 

I pay all the payments to them ( which includes escrow ), my CPA has had to calculate the taxes off statements since they refuse to correct this. 
I also receive from the County the property tax assessments for this property because I am listed as the property owner. 

I am tired of wasting my time when they continue to defy IRS tax guidelines. 

And not to mention the hurt that goes along with missing my dad terribly since XXXX and having to deal with people and companies that clearly have zero knowledge, yet are fine with my 8 years of payments. 

Thank-you for your assistance.

Company response to consumer: Closed with explanation