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 service problem — 
Company: Early Warning Services, LLC
State: OH

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 those transactions was unfeasible. The CFPB 'S findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.

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: GA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, TransUnion 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, TransUnions 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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 
The account is XXXX XXXX XXXX, XXXX and they have illegally reported this to my credit before the deadline given and without a response from me. ILLEGAL XXXX I HAVE PROOF OF THEIR LETTER Stating THIS

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
a series of unauthorized transactions that have occurred on my Cash App account. Despite my attempts to resolve this matter through your platform, I have been unable to speak with a live agent to address my concerns directly. 
Upon reviewing my transaction history, I noticed several transactions that I did not authorize or initiate. I am deeply concerned about the security of my account and the potential for further unauthorized access. 

Despite my efforts to seek assistance through the app 's support features, I have found the lack of direct communication with a live agent frustrating. I believe that a conversation with a representative could help clarify this situation and expedite the resolution process.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NJ

Complaint narrative:
Subject : Request for Settlement and Investigation of Fraudulent Transactions To Whom It May Concern, I am writing to formally request a settlement of my Cash App account and assistance in resolving several fraudulent transactions that have caused me significant financial loss. Below are the details of the transactions in question, listed in chronological order : Disputed Transactions 1. Transaction 1 : Date : XX/XX/XXXX Amount : {$500.00} Description : I sent XXXX to a broker who claimed to manage investments. Later, I discovered the business was a scam and had shut down after defrauding multiple individuals. 
2. Transaction 2 : Date : XX/XX/XXXX Amount : {$460.00} Description : I was contacted by someone pretending to be Cash App support, who instructed me to send XXXX to resolve an alleged account issue. This turned out to be a scam, and I lost the funds. 
3. Transaction 3 : Date : XX/XX/XXXX Amount : {$170.00} Description : I sent this payment to a day trader who promised access to their XXXX group. After receiving the money, they failed to provide access and stopped responding. 
4. Transaction 4 : Date : XX/XX/XXXX Amount : {$200.00} Description : I made this payment for clothes but mistakenly sent two paymentsone from my debit card and one through Cash App. My bank could not refund the duplicate payment, and Cash App also could not assist. 

Request for Assistance I respectfully request Cash Apps support in reviewing these transactions and determining whether the funds can be recovered. These fraudulent activities have caused significant financial hardship and emotional stress. Additionally, I request a detailed settlement statement for my account. 

Thank you for your attention to this matter. I appreciate your help in resolving this issue and look forward to your response. 

Sincerely, XXXX XXXX Cash App Username : XXXX Contact Information : XXXX

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 a member of Navy Fed Credit Union. I have been a customer since XXXX  and was wrongly overcharged in the past for overdraft fees.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX

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: NY

Complaint narrative:
I am writing to formally dispute the overdraft fees that have been charged to my account. These fees are both unjustified and unacceptable, and I would like immediate removal of all charges associated with this incident Navy Federals fee structure is predatory at best. It is unreasonable to penalize customers with excessive fees that only worsen the financial strain. Reverse these charges without delay, as I find the actions both unethical and damaging.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, you must remove it immediately

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, you must remove it immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was sent a letter on XXXX, stating that my account was closed and that my card can not be used, in the letter it stated many false factors that they claim they used to make this determination. It stated I have delinquencies, loans are to high, as well as time since accounts went delinquent. 

I have printed out my report from XXXX, on the report it shows my score is a XXXX, up XXXX points, shows that I have XXXX in collections, XXXX late payments, XXXX public records, and all my payments from my vehicle to best buy, and my other small credit card paid on time, never late. 

So credit card companies can now just cancel your in good standing account, damage your credit, and give no feasible reasoning? And we will add, magically after the holidays and using it for the holidays to purchase presents from their business, now I am left to pay off a balance, they got their money, cancel my card, which in turn will damage my 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
Attempted to request payoff letter over the course of a week. Processing times extraordinary and nearly impossible to get ahold of anyone with authority to address request or explain why request hasnt been processed

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The following accounts are due to a data breach and are not mine and did nor=thave my authorization. I have sent all required documents in the past and now again and also requested validationand proof of the investigation and reinvestogation and Experian ha failed to provide this information the following accounts are not mine This company also fail to update my address info as follows XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX  Account number 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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

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 oncerns about consumer safety.

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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

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: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
The information currently reported on my credit file states that I voluntarily surrendered the vehicle. However, this is incorrect. The vehicle was involved in an accident, and I did not voluntarily surrender it. I have repeatedly requested that this error be corrected, as it does not accurately reflect the circumstances. The creditor has not provided sufficient evidence to support this claim, and I request that this inaccurate information be removed immediately. 

Additionally, I have noticed conflicting dates regarding when this repossession will be removed from my credit report. One report states the date as XX/XX/XXXX, while another states XX/XX/XXXX. This inconsistency is causing confusion, and I would like clarification on the accurate date based on the Fair Credit Reporting Act ( FCRA ), which dictates how long negative items can remain on credit reports.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have six-figures of loans with loan servicer MOHELA. I applied for an income-driven repayment plan on XX/XX/XXXXXXXX  after graduating from XXXX  school. Due to the ongoing court case, applications for IBR plans have been paused with my loans in limbo still incurring interest. The loans are meant to be placed in forbearance during this process yet I had to call every 2 months as the system would kick out of forbearance stating I had a payment due. I was on hold for over an hour each time. 

The main issue is that I received a letter dated XX/XX/XXXXXXXX  seen below, stating I was placed in a new Forbearance because " 60 days have passed since we have received your IDR application, and it has not been processed '' ... " no payment is required '' and " your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance ''. I received this same letter again on XX/XX/XXXX. I have screenshots below showing that interest is still incurring and I have had a payment due XX/XX/XXXX that has flipped back and forth between {$0.00} and {$1400.00}. This payment is now not going away and is a risk for a missed payment even though I applied for income-based repayment 8 months ago and am supposed to be in forbearance with no additional interest.

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: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I never authorized any of the companies listed below access to my personal information, I will need full validation of this debt including my signature on each document. I need to understand if these collection agencies are licensed by their state and a full description of the debt. 
Jefferson Capitol, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

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: FL

Complaint narrative:
RE : Dispute of Inaccurate Information on Credit Report Dear XXXX  XXXX, I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX  XXXX - **Account Number** : XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

I requested from the creditor XXXX XXXX the information on how being reported to the credit bureaus! 
Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX FALSETTO UCC 1-308 All Rights Reserved

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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one 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