vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Approximately one year ago, I signed up for debt management program under the XXXX XXXX XXXX  the agreement that was with Santander Bank for my credit card was that it would be 5 % and I would pay XXXX a month. Ive been paying XXXX a month and my interest rate has been 24 % and now XXXX they have never adhered to the 5 % interest rate which means that I will never get this credit card paid off and its not in accordance with the agreement made by that XXXX, however they continuously tell XXXX XXXX that Im getting a 5 % interest rate but Im not I need this resolved. This is fraudulent banking. Theyre overcharging me interest rate that they know that thats inappropriate to be charging me. This is not in accordance with the agreement that was made with XXXX XXXX XXXX XXXX several times whenever I called the company they say they dont know anything about that management XXXX XXXX XXXX  call about that management. They tell him everything is resolved, but it hasnt been resolved and this has been over a year and Ive been overcharged interest rate for XXXX year. I believe this is a deliberate attempt on Santander to discredit me as a result. They have also reported in accurate information on my credit report, which is made my credit score decline

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 2025-01-20 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: DE

Complaint narrative:
Ian writing to dispute the following information that appear in my credit report from XX/XX/XXXX. 
XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX ACCT # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX  Acct # XXXX In all of the above accounts there are errors. I am in disagreement with the items listed. I asked several times for a copy of the investigation you you done to come to the conclusion of it being accurate. This inaccuracy is highly injurious to my credit rating and costing me thousands of dollars in interest. Please investigate these matters and delete the errors or correct them. And provide me with a copy of your investigation the date you contacted the companies, the person you spoke with, the time and the information they provided. And how you determine the accuracy. Only a signed CONTRACT CAN VALIDATE ME! 
Please do not respond with your GENERIC RESPONSE OLEASE PROVIDE FACTSTHAT CINNECT ME TO THESE ACCOUNTS. If you continue to be non compliant to the law. I further remind you that as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ) that you may be held reliable for willful non compliance Include in attached files is my id and a bill of my address

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 2025-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just realized today checking my account that I have been charged late fees for more than a year. I have scheduled an automatic payment that has been paid on the due date every single month as shown on my bank statement. I am not sure what happens at their end but Kohl 's credit company has been charging me late fees for more than a year and the supervisor I spoke to on XX/XX/year> says they could only reverse 2 months of late fees. While she says I have had credit for 2 months back, she was not able to explain to me why the would reverse 2 months and keep the rest of the fees as charged. I make my payment on time and I do not think I have been treated fairly if someone went in the system to reverse some of the fees without me calling them, they could give me credit for the rest of the unjustified late fees. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TN

Complaint narrative:
A letter was sent to me on XX/XX/year>, the amount was to be paid was XXXX, the due date was XX/XX/year>, the man I talked with was XXXX XXXX. The letter was sent by XXXX XXXX I asked for him twice, but I got XXXX XXXX I told him about the letter I received and he said he would not honor the letter sent He asked for a double amount!! I was disappointed because I make little money and I was willing to try to pay that amount at the end of XXXX, but he said how much could I pay today and I told him I don't have anything could I try to pay the XXXX at the end of Fevruary but he abruptly said no, so I hung up the phone.

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 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I took out a {$6000.00} back in 2000 and had to pay {$4000.00} in interest and principal fees and hidden costs. This is outrageous and should be investigate by a third party committee because it should be illegal to charge that much for a loan which I struggle to pay off. This company is highly predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recenty. I did an investigation on my credit report and found several items on there to be inaccurate Under 15 US. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. & shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( S ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigason under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credt report, immediately. 

XXXX XXXX XXXX XXXXXXXX

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 2025-01-20 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: MD

Complaint narrative:
Recenty. I did an investigation on my credit report and found several items on there to be inaccurate Under 15 US. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. & shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( S ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigason under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credt report, immediately. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-20 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: TN

Complaint narrative:
I directly disputed these accounts through Experian. 
XXXXXXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/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 2025-01-20 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a compliant 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 finds. 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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am filing a formal complaint against True Accord and XXXX XXXX XXXX regarding their failure to validate the alleged debt they are attempting to collect, and for XXXX  improper reporting of this debt to credit reporting agencies ( CRAs ). These actions violate federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Issues with True Accord : Despite multiple requests, True Accord has failed to provide sufficient validation of the alleged debt or evidence of their authority to collect it. Instead, they have provided generic letters that do not meet the legal standards for debt validation. Specifically : 1. Failure to Validate the Debt : Under 15 U.S.C. 1692g ( b ) and 12 C.F.R. 1006.34 ( a ) ( 1 ), True Accord is required to provide documentation that substantiates the debt and proves their authority to collect. The documents they provided lack : - A clear assignment of the debt from Celtic Bank, the original creditor.

- A signed agreement demonstrating my acknowledgment or liability for the debt.

2. Non-Compliant Communications : The verification letter provided fails to explain the chain of custody of the debt or substantiate its validity, in violation of federal guidelines. 
XXXX. Unlawful Collection Practices : The debt was marked as charged off by XXXX XXXX  on XX/XX/year>, as stated in XXXX  verification letter. This raises significant questions about True Accords right to collect on the debt, given the lack of proof of assignment or ownership. 

Issues with XXXX XXXX XXXX : XXXX  continued reporting of this account to CRAs is improper and harmful to my credit profile, in violation of the FCRA. Specifically : 1. Inaccurate and Incomplete Reporting : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), XXXX is obligated to provide accurate information to CRAs. Reporting a charged-off account without reflecting its current status or its transfer to a third-party collector is misleading. 
2. Failure to Investigate and Update : Per 15 U.S.C. 1681s-2 ( b ), XXXX must investigate and correct disputed information promptly. The fact that this account was charged off and forwarded to a debt collector months ago indicates that its continued reporting is inaccurate and detrimental. 

Impact of These Actions : The improper reporting of this account by XXXX has caused harm to my credit profile, including a lowered credit score, which affects my ability to secure financial opportunities. Furthermore, True Accords repeated failure to validate the debt has caused undue stress and wasted time, as I am left questioning the legitimacy of their claims.

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 2025-01-20 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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: 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: MO

Complaint narrative:
Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Transunion Non-Compliance with FCRA in Handling My Credit Report Disputes Complaint : I am writing to file a formal complaint against Transunion for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). Details : Failure to Investigate Disputes : On XX/XX/year> I submitted a formal dispute to Transunion regarding inaccuracies in my credit report. Despite providing all necessary documentation, Transunion failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Lack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Transunion did not provide this description within the 15-day timeframe mandated by the FCRA. Disputed Accounts on my consumer report : XXXX Account # XXXX and XXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 EXXXX 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 2025-01-20 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: NY

Complaint narrative:
To Whom it may concern that I am filing a complaint to these that all these inquires are reporting in my credit report and its affecting my score and all these inquires listed are all fraud attempts which I feel worried for my identity XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. 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 2025-01-21 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: 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 finding 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. The lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety.

Company response to consumer: Closed with explanation