vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Capital One 360 XXXX XXXX Account in XX/XX/2024, believing it would offer the highest interest rates among financial institutions. However, the interest rate has dropped from 4.35 % to 3.80 %, a significant 0.55 % decrease. This decline is concerning, especially since Capital One continues to market this savings account as a high-yield option, which is misleading and fails to inform me about other alternatives with higher performance. As a result, I am losing out on potential earnings and investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of a late payment on my credit card account. Under 15 U.S.C. 1666b, which addresses billing errors related to payment due dates and the reporting of late payments, I believe this late payment was reported in error.

I request that you update or remove the late payment remarks on my account as soon as possible. This discrepancy negatively impacts my credit profile and does not reflect accurate information regarding my payment history.

Additionally, I would like to remind you that under 15 U.S.C. 1666b, a creditor is required to promptly investigate and resolve billing errors, including those related to late payments, and provide a clear explanation of your findings. 

I trust that you will take the necessary steps to investigate this matter and correct the information in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2025-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Loan South Finance & Tax Service of Troy, LLC
State: TN

Complaint narrative:
XX/XX/year> - XXXX phone calls XX/XX/year> - XXXX phone calls XX/XX/year> - XXXX phone calls XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - text message and email to renew the loan XX/XX/year> - XXXX phone call and XXXX text message to renew the loan XX/XX/year> - XXXX phone call and XXXX text message to renew the loan XX/XX/year> - text message and email for " extra cash '' XX/XX/year> - XXXX phone call, XXXX text about more cash available, XXXX text to renew the loan, XXXX email to sign documents XX/XX/year> ( christmas eve ) - XXXX phone call, XXXX text about more cash available, XXXX text to renew the loan, XXXX email to renew the loan XX/XX/year> - XXXX phone call, XXXX text about debt XX/XX/year> - XXXX text messages and an email about account renewal and documents to sign XX/XX/year> - XXXX phone call, XXXX text messages about renewal XX/XX/year> - XXXX phone call, XXXX text message about the debt, XXXX text message about renewal XX/XX/year> - XXXX phone call, XXXX text messages about loan renewal XX/XX/year> - XXXX phone call about renewal, XXXX text about renewal XX/XX/year> - XXXX phone call XX/XX/year> - XXXX phone calls and text about the debt XX/XX/year> - XXXX phone call and text about the debt XX/XX/year> - XXXX phone call and XXXX text messages about the debt XX/XX/year> - XXXX phone call about the debt, XXXX text about renewal XX/XX/year> - XXXX phone call and XXXX text about renewal XX/XX/year> - XXXX phone calls XX/XX/year> - XXXX phone call, XXXX coercive message about the account needing to be current by the end of the month. 
XX/XX/year> - XXXX phone call, threatening/coercive text message stating the following : " *my name*, you broke your promise, we must hear from you TODAY. Service Loan Company XXXX ( XXXX ) XXXX. '' I have made no promises to them and to go from " end of the month '' to you have today to contact us is an abusive practice from intimidation. They have clearly violated the FDCPA 's 7 in 7 rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX  and XXXX  told me I needed new state ID to pay my mortgage!!! 
So I had my wife/girlfriend pay the mortgage with her debit card on the same day XX/XX/XXXX Cash taken out the same day out her account!!! 
So there is no late payments!!! 
This bank makes false actions!!!!! 
Another issue proven on XX/XX/XXXX, I had {$2000.00} in the checking account and XXXX XXXX XXXX  and XXXX  states I'm 60 days late falsely accused!!! 
Please make them stop harassing me and correct all these false actions!!!!

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 2025-01-15 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: NM

Complaint narrative:
15 U.S.Code 1681c-2 a consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies that resulted from an alleged identity theft, not later than four business days after the data of receipt. I have attached a copy of my FTC report number to this compliant to prevent further stall tactics from TransUnion 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 2025-01-15 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: PA

Complaint narrative:
15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They have not investigated

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 2025-01-15 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: AZ

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. lawsuit highlighting significant issues with the platform.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. offenders to exploit the system, leaving users vulnerable to scams.

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 concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 issue aligns with 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
Consumer complaint received 2025-01-15 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:
Complaint About Overdraft Fees by Navy Federal Credit Union I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees charged to my account.

I believe these fees were applied unfairly due to : -Multiple fees charged in rapid succession.

-Delays or manipulation in posting transactions to maximize overdrafts.

-Lack of clear disclosure about overdraft policies or the ability to opt-out.

I have contacted Navy Federal for resolution but have not received a satisfactory response. These practices have caused financial hardship, and I request CFPBs assistance in investigating this matter and recovering the 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have no idea who this company is I have no agreement to do any business with them if I owed them money Im sure they could have contacted me before ruining my credit report I have no problem paying my debts I had XXXX anything in collections until this hopefully we can resolve this matter and have all parties satisfied with the outcome

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have no idea who this company is I have no agreement to do any business with them if I owed them money Im sure they could have contacted me before ruining my credit report I have no problem paying my debts I had XXXX anything in collections until this hopefully we can resolve this matter and have all parties satisfied with the outcome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
I used my card one time for a purchase of XXXX. The interest rate went sky high.

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 2025-01-15 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 writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available 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
Consumer complaint received 2025-01-15 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 been with Navy Federal Credit Union since XXXX until now XXXX. My account was charged overdraft fee numbered of time over {$3000.00} dollars for charges I didn't receive. I have reached out to this company on many different occasions but I was still charged for overdraft fee. Can some please help with this situation. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I disputed Portfolio Recovery account through XXXX. XXXX seems to say everything is verified but refuse too send me the actual method of there verification. What I cant understand is how did XXXX Verifiy that the debt collector has the legal authority to collect on this debt, when Portfolio Recovery refuse too send me the consumer any validation paperwork relating to there ownership of the debt. XXXX refuse to accurately investigate the validity and legality of the Portfolio Recovery account. ( Please explain too me how XXXX can make it so hard for the consumers too remove illegal items from there credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 raise concerns about Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancy, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings suggest that Zelle has not only fallen short in protecting consumers but has also permitted repeat offenders to exploit the system, leaving users exposed to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ACIMA CREDIT, LLC
State: MS

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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
2019 sent funds and it was not the correct contact. Unable to recover funds. {$500.00} sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: AL

Complaint narrative:
Dispute an account and provide police report verification for identity theft. Transunion claims they verify account and updated payment when I never made any payment to it. In which proves they have been reporting inaccurate information the entire time but fail to remove it. This is violation of several USCs.

15 usc 6801, 15 usc 6802, 15 usc 1692g

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