vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have been going back and forth with Midland credit to try and get the original purchase agreement, and signed contract. They have failed to provide me what was requested. Also, they are a collection account reporting as open on my credit report which is an inaccurate way to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Money was taken out of my account. Transactions was not authorized by me through sale and on certain dates of year XXXX and also XXXX separate accounts from XXXX Of XXXX and also XXXX, and I just want them to know that they are not taking action for people of my need.I am disable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 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 CFPBs findings indicate that Zelle has not only neglected to protect customers 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 questions about the consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
( CFPB ) has recently file a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor 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 Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 complaint against Block , Inc ( Cash App ) due to inadequate Customer service and unfair practice which violate the consumer financial protection act ( FCA ). Specifically Cash App failed to take timely and effective measure to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error resolution requirement under the EFTA and regulation E. These actions have caused significant inconveniences and financial losses. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act. This has caused inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, equifax, XXXX I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practice and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MI

Complaint narrative:
I dont remember dates as I dont have the app anymore. I went through Cashapp. Im pretty sure my check was {$1200.00}. I spent {$100.00} of it and I had bills to pay the next day. When I checked my card I was at- {$1100.00}. I couldnt get incontable with anyone for days. I did disputes and then I get a call back a week later. They said that they sent the funds back because I was doing fraud. I wasnt doing fraud and it was my direct deposit account since ny credit was good enough to get an actual credit card. They keep sending messages saying I have to pay them back but I didnt even get to use my money the first time. I explained to them what my job said they just dismissed me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly 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 were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to repeat to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable, and raises immense concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of XXXX 's failure to implement adequate security measures. 

As a consumer, I entrusted XXXX with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. 

To date, I have not received adequate assurance from XXXX that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. 

I demand the CFPB take the following actions immediately : Conduct a thorough investigation into XXXX 's security practices leading up to the breach and ensure accountability for their failures. 
Impose strict penalties and sanctions on XXXX for their negligence and the resulting harm caused to consumers. 
Mandate XXXX to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost. 
Require XXXX to implement enhanced security protocols and undergo regular audits to prevent future breaches. 
The CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like XXXX are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. 

I am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. 

I look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.

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 2025-01-18 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding the gross negligence exhibited by Equifax in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX Americans, including mine, is a direct result of Equifax 's failure to implement adequate security measures. 

As a consumer, I entrusted Equifax with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. 

To date, I have not received adequate assurance from Equifax that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. 

I demand the CFPB take the following actions immediately : Conduct a thorough investigation into Equifax 's security practices leading up to the breach and ensure accountability for their failures.

Impose strict penalties and sanctions on Equifax for their negligence and the resulting harm caused to consumers.

Mandate Equifax to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost.

Require Equifax to implement enhanced security protocols and undergo regular audits to prevent future breaches.

The CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like Equifax are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. 

I am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. 

I look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) recently found Equifax in violation of FCRA and CFPA requirements related to dispute handling. The CFPB 's enforcement order, dated XX/XX/XXXX highlighted deficiencies such as failure to investigate disputes thoroughly, ignoring consumer-provided evidence, and reinstating previously deleted inaccuracies. I expect that these issues will not affect the investigation of my dispute. 

As per the CFPB 's findings, Equifax is required to ensure : Accurate handling of consumer disputes. 

Prevention of previously deleted inaccuracies from reappearing on credit reports. 

A comprehensive review of consumer-provided documentation to ensure accuracy. 



Disputed Items XXXX XXXX  ( Account ending in XXXX ) Reason for Dispute : The reported balance of {$12000.00} is inconsistent with my records. The charge-off amount of {$11000.00} does not align with my payment history, and the date of first delinquency ( XX/XX/XXXX ) seems incorrect. 

Action Requested : Delete account due to inaccuracy XXXX XXXX ( Account ending in XXXX ) Reason for Dispute : The account balance of {$9900.00} and the stated charge-off status conflict with my documented payments. Additionally, the credit limit change to {$0.00} in late XXXX raises questions about reporting accuracy. 

Action Requested : Delete account due to inaccuracy XXXXXXXX XXXX XXXX ( Account ending in XXXX ) Reason for Dispute : The reported balance of {$4100.00} exceeds the original credit limit of {$3000.00}. Furthermore, the payment history does not align with the actual dates of my payments. 

Action Requested : Delete account due to inaccuracy. 

XXXX XXXX  ( Account ending in XXXX ) Reason for Dispute : The reported balance of {$5500.00} and charge-off status appear inaccurate given the payment records from early XXXX. 

Action Requested : Delete account due to inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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 2025-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Alabama Housing Finance Authority
State: AR

Complaint narrative:
It came to my understanding that some mortgage companies are being accused of engaging in predatory servicing or lending servicing schemes. I was concerned about the allegations of targeting the uneducated and uninformed consumer. So on XX/XX/XXXX I send certified mail # : XXXX XXXX XXXX XXXX XXXX XXXX a RESPA QUALIFIED WRITTEN REQUEST to get an understanding and clarification about the accounting and servicing of my mortgages. 
On XX/XX/XXXX at XXXX I also sent an email asking for a copy of the original contract I have with SERVISOLUTIONS along with all allonges, indorsements, and any other modifications to the original contract. On XX/XX/XXXX at XXXX SERVISOLUTIONS supplied a copy of the alleged note with XXXX notation of or from SERVISOLUTIONS XXXX 
On XX/XX/XXXX I received the PS Form 3811 showing that the RESPA QWR was delivered to SERVISOLUTIONS On XX/XX/XXXX at XXXX I sent an email to SERVISOLUTIONS requesting information of who the fiduciary was over my loan and what where their duties, responsibilities, roles, and obligations. 
On XX/XX/XXXX at XXXX SERVISOLUTIONS replied back stating that they are responsible for the day to day management of my loans. 
On XX/XX/XXXX I received a letter dated on XX/XX/XXXX stating that my loan has been recommended to the foreclosure department. Also saying that I may be able to go thru an alternative workout plan and give them a call. I also received a notice of pending acquisition dated the same date XX/XX/XXXX. They never sent the requested documentation requested in the RESPA QUALIFIED WRITTEN REQUEST. Which is in violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
I HAVE TRIED TO FIX THIS FRAUD ACCOUNTS WIT EQUIFAX FOR SEVERAL YEARS AND NO RESPONSE. I AM A XXXX AND ITS STRESSING ME AND STOPPING ME FROM DOING THINGS IN LIFE I SHOULD NOT BE WORRIED ABOUT. I HAVE MAILED IN SEVERAL FTC REPORTS AND POLICE REPORTS BUY IT NEVER GETS HANDLED. ON XXXX AND XXXX THESE FRAUD ACCOUNTS WERE REMOVED AND BLOCKED ASAP FROM MY CREDIT FILE BUT NOT EQUIFAX. I NEED THE XXXX XXXX  XXXX FRAUD ACCOUNT REMOVED AND BLOCKED, XXXX XXXX  NEEDS TO BE REMOVED AND BLOCKED, XXXX XXXX # XXXX OPENED XX/XX/year> NEEDS TO BE REMOVED AND BLOCKED, THE XXXX XXXX XXXX IS FRAUD AND NEEDS TO BE REMOVED AND BLOCKED. I HAVE ATTACHED A POLICE REPORT AND FTC IDENTITY THEFT REPORT AND COPY OF MY DRIVERS LICENSE. IF NOT HANDLED I WILL SEEK LEGAL AVEUES. ITS LIKE YOU OVERLOOK THE CONSUMER AND PROTECT THE BANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled eith 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 2025-01-18 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 formally writing to express my concerns regarding Zelles handling of disputes particularly in the light of 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 fund was impossible and that tracking these funds was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers and has allowed repeat offenders to continuous exploit the system leaving users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are both invalid and misleading. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting of my credit information. The items listed below do not meet these standards and must be deleted 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