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

Complaint narrative:
I am following a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraudulent activities on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and resolution 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 2025-01-21 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: TX

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 is issue aligns with recent CFPB findings against Navy federal or similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a thorough investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB Lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and expressing discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions were unfeasible. The CFPBs findings indicate that Zelle has now 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 raises a serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
XX/XX/year> XXXX sends me an email saying my private student loan will be transferred to MOHELA as of XXXX. The emails states that all autopay will continue as scheduled. 

XX/XX/year> MOHELA takes over servicing the loan XX/XX/year> {$150.00} autopay deducted from checking acct XX/XX/year> {$150.00} autopay deducted from checking acct XX/XX/year> I call MOHELA to find out how much of a balance is left on the acct. The phone system does not find any accts under my social security number and thus can not connect me to a live person for help. 

XX/XX/year> {$150.00} autopay deducted from checking account XX/XX/year> MOHELA website shows I have a loan balance of {$0.00} and there is no loan information to be found. XXXX attached. I call MOHELA multiple times and have the same issue as on XXXX where nothing comes up under my social security number and can not get through to a live person for help. 

XX/XX/year> {$150.00} autopay deducted from checking acct

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: TX

Complaint narrative:
I am submitting this letter to be submitted to Transunion and the attached FTC Identity Theft Affidavit to formally dispute and request the immediate investigation and removal of fraudulent accounts and related inquiries appearing on my consumer credit report under Section 611 of the Fair Credit Reporting Act ( FCRA ). These accounts and inquiries are the result of identity theft, as outlined below : XX/XX/XXXX XXXX : Personal credit card account opened on XX/XX/XXXX, under account number [ private ]. 
XXXX XXXX XXXX : Account opened on XX/XX/XXXX, under account number [ private ]. 
XX/XX/XXXX:XX/XX/XXXX account opened on XX/XX/XXXX, under account number [ private ]. 
XXXX XXXX : Mobile phone account opened on XX/XX/XXXX, under account number [ private ]. 
Additionally, the following fraudulent hard inquiries are appearing on my report : XXXXXX/XX/XXXX : Inquiry on XX/XX/XXXX XXXX XXXX : Inquiry on XX/XX/XXXX TheXX/XX/XXXX: Inquiry on XX/XX/XXXX These fraudulent accounts and inquiries have also resulted in collections activity being reported on my consumer credit file. As these items are the result of identity theft, I am requesting the following actions : Immediate removal of the aforementioned accounts, hard inquiries, and collections from my consumer credit report. 
Cessation of any collection activities related to these fraudulent items, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to Section 611 of the FCRA, you are obligated to investigate and remove any inaccurate, incomplete, or unverifiable information from my credit file. Please provide written confirmation of your investigation results and the actions taken regarding this dispute.

I have attached a copy of my FTC Identity Theft Affidavit, proof of identity, and any supporting documentation necessary to assist with your investigation. Should you require additional information, I can be reached at [ your phone number ] or [ your email address ].

Failure to comply with this request may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : XXXX XXXX : Inquiry date [ XX/XX/XXXX ]XX/XX/XXXX : Inquiry date [ XX/XX/XXXX ] XXXXXX/XX/XXXX : Inquiry date [ XX/XX/XXXX ] XX/XX/XXXX : Inquiry date [ XX/XX/XXXX ] XXXX XXXX : Inquiry date [ XX/XX/XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA.

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies.

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA.

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

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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have no knowledge of this debt or the original account holder this not my debt and want it removed immediately

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: GA

Complaint narrative:
I am writing to formally lodge a complaint against Experian regarding their failure to conduct proper investigations into disputes I have submitted concerning inaccuracies on my credit report. Despite my repeated efforts to correct the inaccuracies, Experian consistently responded by asserting that the account ( s ) in question were accurate without providing any evidence that a thorough and proper investigation was conducted. This practice is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, Experian is obligated to conduct a reasonable investigation into consumer disputes and must ensure that the information they report is accurate. Their failure to provide evidence of such investigations strongly indicates a lack of compliance with these federal requirements. Furthermore, Experians behavior may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) - ( b ), as highlighted in the CFPB Administrative Proceeding File XXXX. XXXX, where similar violations were addressed. 

The actions ( or inactions ) of Experian have caused me undue frustration and potential harm to my financial standing. As a consumer, I have the right to accurate credit reporting and to expect that credit reporting agencies fulfill their obligations under federal law. It is unacceptable for Experian to dismiss disputes without substantive investigation or supporting evidence.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) and the Texas Finance Code Chapter 392, regarding their handling of an alleged debt. Their conduct has been deceptive, misleading, and in direct violation of consumer protection laws. XXXX XXXX XXXX initiated legal proceedings against me in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Place XXXX, without first providing a debt validation letter as required by 15 U.S.C. 1692g. After I filed a General Denial in response to their claims, they subsequently sent me a so-called dispute verification letter on XX/XX/year>, which was undated, raising concerns about their compliance with federal and state debt validation requirements. Their failure to provide this documentation before filing suit is a clear violation of the FDCPA and Texas Finance Code 392.202. According to Texas Finance Code 392.202 ( b ), debt collectors must cease all collection activities, including litigation, until they validate the debt upon dispute. Despite acknowledging the dispute, XXXX XXXX XXXX continued litigation without verifying the debt before proceeding in court. This continued legal action violates federal and state consumer protection laws and is a clear abuse of process. Additionally, XXXX XXXXXXXX XXXXs process server falsely claimed to have personally served me with legal documents in my case, when in fact, they left the documents on my car parked on a public street. This action did not satisfy proper service requirements under Texas Rule of Civil Procedure 501.2, yet XXXX XXXX XXXX proceeded with litigation. The use of false or misleading representations in connection with debt collection is a violation of 15 U.S.C. 1692e. Furthermore, XXXX XXXX XXXX did not comply with attorney substitution requirements under Texas Rules of Civil Procedure 8 and 10, failing to notify me properly of changes in legal representation. Their failure to follow procedural rules deprived me of due process, violating my consumer rights under both state and federal law. Due to these actions, I have also filed a grievance with the Texas State Bar against XXXX XXXX XXXX and their attorneys for violations of professional conduct and unethical debt collection practices. Their ongoing misconduct demonstrates a pattern of deceptive, unfair, and abusive practices that warrant immediate investigation and enforcement action by the Consumer Financial Protection Bureau. I request the CFPB to take appropriate action against XXXX XXXX XXXX to prevent further violations of consumer protection laws.

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: OK

Complaint narrative:
I recently reviewed my credit report from Experian on XXXXXXXX  and noticed that I have a collection from XXXX XXXX XXXX. The date the account was opened was XXXXXXXX  that I was completely unaware of without being properly notified by both Experian and XXXX XXXX XXXX. This alleged collection account was not properly verified before being inserted into my credit file. This is not my account, and I want it removed.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC
State: TX

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. Despite providing clear documentation and evidence to support my dispute, XXXX neither removed nor corrected the erroneous account information. 

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes. 

In my case, XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. I would like to add the doctor this company is claiming i went to XXXX XXXX treats only women for fertility therefore Ive never been a patient. 

I urge the CFPB to investigate XXXX 's ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I received a letter from XXXX dated XX/XX/XXXXXXXX  stating that my payment would be increasing due to a rise in my taxes and insurance beginning in XX/XX/XXXX, but they would be sending the payment from escrow as usual. I started reciving calls from my insurance company on XX/XX/XXXX stating if I did not pay my insurance by XX/XX/XXXX they were going to close my policy as they had not received payment. I called PNC repeatley and was told they had sent the payment ... then I checked the county and my taxes had not been paid either... I called PNC numerous times and was told they would reach out to the insurance company and county.. they finally sent the payments to the county and my food insurance but not my homeowners... I sent emails and called and called, no progress until I filed a complaint.. then found out on XX/XX/XXXX I did not have insurance and they could not make the payment they had promised they would. I immediately called the insurance company and obtained coverage which went into effective on XX/XX/XXXX at midnight. This cost me an extra {$1000.00} b/c PNC didn't pay the company promptly. I made arrangements for them to bill PNC and PNC did finally pay the bill on XX/XX/XXXX. Then they have the audacity to send me a bill telling me they will be charging me {$760.00} for the lapse in insurance coverage... so inaction to me having to already pay an extra {$1000.00} they want to charge me {$760.00} for there failures... I do not think that is fair I have called them several times only to be transferred from one person to another and I don't have time for it... I do not think it is fair for them to charge me for something I had no control over especially when I have in writing from them that they were going to be taking care of it and then I called and called with no resolution and as soon as I found out they had not done what they promised me they had done I took care of the issue.

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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have requested Chase bank to remove 7credit enquiries over the past 2 years that occurred due to confusion/ misinformation in the credit page. I was checking the eligibility and comparing the cards, never realized the application was processed. Explaining the same issue and requesting for consideration to remove, chase never agreed despite me being a long term customer. They just ignored and refused my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I had money that was transferred from my account without my consent and I was charged unexpected fees my money never was returned I reached out to customer support and nothing happened every time this been going on for 2 years my cash app get used in other states I never visited

Company response to consumer: Closed with explanation