vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My Experian account was set up with XXXX having access to my bank accounts and bills paid. The XXXX account continually disconnects, and Experian says I have to wait another XXXX months before they apply a credit to my score for paying my utility bills which have been paid on time for the past XXXX  years at my current address. My utilities have never been late in the XXXX  years I have lived at my current address. The disconnecting of the boost account is faulty. It is a scam a false claim that your score can improve. They take no accountability to keep it active and working or notifying me when it does disconnect. Their system is faulty and inaccurate. This has harmed my ability to get my business off the ground or obtain a home equity line of credit to make emergency repairs to my home with mold and water damage causing health issues to me and my family. My husband is XXXX after a faulty surgeon crippled him so, I am the only source of income. It is imperative that the credit reporting industry get penalized for their inability to do their job! I work XXXX hours a week trying to work XXXX jobs then have to correct their actions. They have dropped my score after disputing the accuracy of my accounts down to XXXX from XXXX. Come On! XXXX XXXX Please Put a Stop to This! I disputed at the time that there were derogatory statements on accounts that were more than XXXX XXXX XXXX. I have asked over the past XXXX  years to remove them. They have not! They also, have now blocked me from making a statement on any and all of my accounts after submitting disputes. This was intentional! Again! harming the consumer. There were also, accounts that had been paid off but, are still showing owed which they have not applied increase in points to my score. I have been requesting the most recent accounts be corrected for the past XXXX  months since XXXX of XXXX. The Law states that the derogatory remarks are required to be removed after XXXX  years. The actions by Experian are intentional and detrimental.

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Transunion, I am writing to formally dispute the inaccurate personal information that continues to appear on my consumer report, despite multiple prior disputes. This is my fourth attempt to have this matter resolved. 

Enclosed with this letter, I have included a copy of my government issued identification for your reference. Only the name listed on my government issued identification should appear on my consumer report. I demand that all other inaccurate or outdated names and personal information be permanently removed.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ). By continuing to report inaccurate personal information despite my repeated disputes, you are in violation of federal law. Specifically : Failure to Correct Inaccurate Information ( 15 U.S.C. 1681i ) : You are required to conduct a reasonable investigation into disputes and correct or delete any information found to be inaccurate.

Negligence in Maintaining Accurate Records : This ongoing issue demonstrates a failure to comply with your obligations to maintain accurate records, causing unnecessary harm and inconvenience.

Your failure to comply with the FCRA exposes you to liability, including potential statutory damages of up to {$1000.00} per violation, as well as punitive damages, court costs, and attorneys fees if this matter escalates to legal action.

I request that you take the following actions : Immediately delete any inaccurate personal information from my consumer report.

Provide me with a revised copy of my consumer report to confirm that all inaccurate information has been removed. 
Confirm in writing that the dispute has been resolved. 
Please consider this letter my final attempt to resolve this matter amicably. If this issue persists, I will have no choice but to explore my legal rights under the FCRA to ensure compliance and seek appropriate remedies. 

I look forward to your prompt resolution of this issue. Please respond within the required XXXX period, as stipulated by the FCRA.

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 2025-01-17 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: IN

Complaint narrative:
My financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IN

Complaint narrative:
I am writing to informally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
This is re XXXX XXXX XXXX. 

XX/XX/year> : I reached out to view a unit. XXXX XXXX in leasing told me I should apply right away since the unit was in high demand. I submitted an application and they asked me to submit a security deposit. If I did not sign, they would return this amount to me. 

XX/XX/year> : received confirmation my application was submitted. Was told I would see a lease drafted once the pay checks were processed. A tour of the unit was scheduled for XX/XX/year>. 

XX/XX/year> : we told XXXX XXXX we went with another unit and requested a refund of the security deposit. 

XX/XX/year> : there was no response so I messaged again. They told me I would get a refund within XXXX  days. 

XX/XX/year> : I asked for my refund as I still had not received the money. 

- at this point, we decided to refund through our credit card company instead as the apartment continued to evade my emails and calls XX/XX/year> : XXXX demands I pay a move-out fee for the unit. I request clarification as I never signed a lease with this place and never moved in. 

No response. 

XX/XX/year> : XXXX again demands I pay the move-out fee. I request evidence I signed a lease. 

No response. 

XX/XX/year> : I check in again to see if they have any clarification. No response. 

XX/XX/year> : I receive an email from debt collections about owing this same move-out fee with interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: IL

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 racking these transactions was unfeasible. the CGPB '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 concers about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
I am writing to formally express my concern regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using the numerous times and reporting discrepancies my financial institution, and they fail to investigate, my claims adequately. They informed me that recovering loss fund was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX 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 a serious concern about consumer safety. There has been times where I sent Zelle and the receiving party has not received it and there has been times where i were receiving and never received my payment when I spoke to Zelle about it they did nothing about it and discontinued me from using Zelle. Zelle has completely stop me from being able to use their services after my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Credit Card - My limit was {$6200.00} for many years. I made timely payments. On XX/XX/XXXX I paid {$4800.00} to bring my balance under XXXX. On XX/XX/XXXX, Capital One decreased my limit to {$2000.00} - without any notice or warning. Their reason was negative credit hits ; however my credit had been taking a hit since XXXX, XXXX. I never missed a payment with Capital One and they gave me no notice my account was in jeopardy or possible credit limit decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash Ap ( 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A number of transactions to place on my account fraudulently and the bank failed to properly investigate the matter, and I believe that no investigation has even been made at all because if the bank would have just looked at the ATM camera footage, they would easily come to the conclusion that it could not have been me that conducted or authorized charges Ive been A customer of Wells Fargo bank for over 30 years and then all that time Ive only ever submitted one claim. Also, if the spending patterns been compared with my own, it would clearly Evident that these transactions were indeed fraudulent. Speaking to a representative at the second level in the claims department, the representative could not even tell me how it is that they had come to the conclusion that those fraudulent transactions have been authorized by me. Wells Fargo Is just refusing to pay the funds. The bankers failed to investigate this matter properly, failed to reimburse me in the amount of the funds that were taken, Failed to protect its customers when these Types of incident take place. It even the slightest amount of due diligence had been done in this matter. It would be more than obvious that these transactions were fraudulent and Unauthorized, I should have been refunded the money that was stolen from my account. The bank found that the transactions were authorized and denied my claim and refuses to reopen the claim and further investigate. They refused to send me the evidence in this matter Including atm camera footage And any other 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 monetary relief
Consumer complaint received 2025-01-17 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: MO

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 XXXX XXXX for similar practices, where transactions settled with 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 2025-01-17 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: IL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite my submission, Experian consistently responds within 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ). 15 u.s.c. & 1681i, which mandates a reasonable investigation of dispute. Furthermore, Experian 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 against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with necessary proof of investigation.

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 2025-01-17 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal cellphone account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned cellphone account opened at XXXX. This account have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account and collection reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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 ( CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Wednesday ( XX/XX/XXXX ) i was expecting my paycheck. Its now XXXX XXXX on Friday ( XX/XX/XXXX) and i still have not received my paycheck. Its split between XXXX and Capital One. XXXX has deposited my money. Capital one has not! CAPITAL ONE HAS NOT COMMUNICATED ABOUT IT NEITHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp, account closure for no reasons given and repeated hackers attempt XXXX XXXX XX/XX/XXXX Cashapp account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am currently being charged three different interest rates on the same account for purchases every year 2022 the interest goes up, and adds a different interest rate. Almost making the minimum payment unaffordable. The interest rate went from 29.49 % to 30.99 % to its current rate of 33.49 %.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
In 2021 I have lost thousands from using zelle from unauthorized transactions. Despite using zelle and reporting the problem my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was not going to happen and that tracking therse transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect me but has also allowed repeat offenders to exploit the system, leaving me and others vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
XXXX i was charged over draft fees when I thought I had money in my account, but did not. XXXX XXXX was allow my transactions to go through even though i did not have any money and charging me over draft 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 2025-01-17 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate 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 ) 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. 
I want the CFPB to publish this

Company response to consumer: Closed with explanation