vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have an online bank account and so when cashing my XXXX check of {$3400.00}, I go to cash it at US Bank ( USB ) where the check is drawn. I do not have an account with USB but have been cashing checks there since XXXX where they charge me a {$7.00} fee as a non-customer. However, every time I go into the bank, I am asked for more identification or information. 
After my second/third check cashing experience, I was asked for my place of employment, job title, job duties, location of work, eMail address, and salary information. A couple of visits later, I was asked for a second picture identification, as they said it was now required although it had not been previously requested. The next visits no second ID was asked for or required. The last visit I was asked for my social security number. Each time I'm told, 'if I don't provide the additional requested information, I can cash my check some place else. ' All of these requests for cashing a simple XXXX check drawn on their customer. 
I find these requests for information demeaning and concerning since I am a person XXXX XXXXXXXX and each visit, depending on the representative, is a different experience and behaviour. I dread each month having to go into USB, and have seriously considered going to a check cashing place and paying the 12-15 % fee just to avoid the aggravation and stress but money is very tight for me and I can't afford the extra expense.

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: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: CA

Complaint narrative:
I am writing to you today with concerns regarding the agreement I entered into with Unison. When Unison offered me a loan that I wouldn't have to pay back, I signed the agreement not realizing the consequences. Shortly after receiving the payment, I contacted Unison to return the funds and cancel the agreement. I was informed that I would have to wait three years to do so, which I have since learned is inaccurate. The three year provision only relates to exercising a Special Termination Option, not canceling the agreement outright. 
On XXXX XXXX XXXX I paid for an appraisal of my home, which valued it at {$740000.00}. I provided this information to Unison on XXXX XXXX XXXX but they refused to negotiate the Special Termination Price or discuss settlement options.

Unison is now demanding a Special Termination Option Price of {$260000.00}, which I simply can not afford.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit Union posted a charged off account to my credit report, without providing me information substantiating their claim. Also i never received any supporting 1099c document after charge off has been posted witch makes this inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly indecigate 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. 
Collection agency : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Account Number XXXX XXXX Reported Balance {$590.00} Account Status CHARGE_OFF Available Credit - {$190.00} I recently checked my credit report and saw some inaccurate account reporting. 
This agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: 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: MS

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH.

PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
I am currently being charged 36.00 % APY from this credit card company which is simply ludacris. I am not sure how much higher they are permitted by the law in their state but I would like it reviewed. It appears these credit card companies, XXXX and XXXX, are now charging their customer outrageous interest rates. If I wanted a PAYDAY Loan, I would've applied for one. These companies should not be able to charge such outrageous rates by law. I work for the largest bank in my state and we don't charge these ridiculous rates. I also have other credit cards such as XXXX XXXX and they don't even impose these types of ridiculous charges. Something must be done to prevent it going any higher as the entire country can't afford housing, groceries, utility bills. They are not trying to assist anyone but themselves.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

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 had 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 in insufficient balances despite initially available funds. I believe these practices are unfair and request and 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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing is using illegal foreclosure actions on our home. The stopped our ACH debit from our bank account without our authorization. It clearly states on the back of each mortgage statement that Fay Servicing is not allowed to do that. They refuse to communicate with my husband or I for months at a time. 
They continually charge us " Fees '' each month since XXXX of 2019 for things like inspections and " Other '' that they will not tell us what the fees are for. 
Mis representing our Mortage Loan Transactions and Payment History online. 
In correct handling of partial payments. We never made partial payments, yet they saaid we did every month. 
Took the money that was supposed to go on the back of the loan for a modification and continued to charge us each month for that payment and a new monthly payment stating that was a late payment. Causing us to never catch up. 
Continually sending us Foreclosure statements, Auction Notices for the House, And Property Sale flyers while we were in the process of modification and during the trial period. I will attach supporting document.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
For XXXX, why havent I received any settlement pay from the XXXX XXXX and XXXX XXXX lawsuit? XXXX, I recently disputed negative activity against my credit worthiness with XXXX, XXXX and XXXX requesting specific proof from creditors regarding. I keep getting a bogus investigation result stating my accounts have been verified and my requests are denied. However, I do not get what I request even when I send XXXX statutes protection

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: GA

Complaint narrative:
I am writing to formally expressed my concerns regarding Zelle handling of disputes particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle multiple 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 on unfeasible does CFPB 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 raise serious concerns about consumer safety

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 with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
XX/XX/scrub>XXXX a {$450.00} transaction named XXXX  Debit was charged to my account.

I informed Huntington that I did not make a XXXX transaction on that day and they informed me that this was some sort of internal transaction on their end claiming someone at Huntington manually charged my account for a XXXX transaction that happened a month prior which went through just fine, so I was charged twice for 1 transfer.

They refused to dispute the transaction claiming the recipient would have to dispute the charge.

The recipient never received this transfer so there is nothing to dispute on her side. Huntington or XXXX has effectively stolen {$450.00} from me without an explanation or refund and are 100 percent refusing to dispute the charge.

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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly with the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle on several occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that there wasnt a sufficient way to track the transactions. The CFBPs findings indicate that Zelle has not only neglected to protect consumers, but have allowed recent 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XXXX XXXX XXXX a charge of {$1800.00} was made to my credit card ending in XXXX by a company named XXXX XXXX XXXX XXXX. I did not authorize this transaction, nor did I request or receive any services or products from this company. The listed products and services are inconsistent with my living situation, as I reside in an apartment and have no need for roofing services. 

I contacted my bank, Apple Card issued by Goldman Sachs Bank USA, and filed a dispute, requesting proof that I had authorized this transaction. The bank provided a transaction summary that included an authorization code, but this does not constitute proof that I personally approved the charge. No OTP, PIN, or other form of consent from me was provided. 

Additionally, during the time of the transaction, I received a significant number of spam emails and text messages, which appears to have been an intentional distraction to prevent me from noticing the fraudulent transaction. The companys website is no longer operational, further indicating fraudulent activity. 

Despite my attempts to resolve this issue, the bank has denied my disputes multiple times, claiming the charge is valid without providing sufficient proof of my authorization. I am requesting the CFPBs assistance to resolve this matter and have the unauthorized charge refunded. 

*** I realized that I provided on CFPB account the wrong phone number in my complaint. Please update my contact information to the correct phone number : XXXX. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
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: MI

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