vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal been having my account negative letting all my pending charges pile up. Showing me the incorrect amount of available funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 ( 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 for those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This XXXX XXXX XXXX XXXX they shut me down closed all my credit cards and now when they tell me to reapply their system declined me saying I had recently closed an account this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have recently checked my credit report and noticed some inaccurate accounts reporting

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 proce 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 46 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly 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 ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: CT

Complaint narrative:
Please rewrite my above paragraph. so that there is no. spelling or grammar issues. 
Certainly! Here 's a revised version of your paragraph : As of today, XX/XX/year>, Credit Karma has disappointed me at least XXXX times with their " outstanding approval odds '' or " guaranteed approval odds. '' They even sent me a {$50.00} gift card because they messed up a personal loan application that I had high hopes for to consolidate debt during a tough patch in my life. I've been out of rehab for about a year now, and I'm disgusted. 

Just today, XX/XX/year>, they offered me an option for " excellent approval odds '' on a XXXX XXXX XXXX  card that I could use for a balance transfer with XXXX percent interest for 18 months. I have very good credit, and my fianc was recently approved for this card directly through XXXX. I was counting on this card to consolidate debt from a couple of other cards and reduce the number of cards I have, especially as I'm starting a new career and have just secured my own place after XXXX and tough times. Unfortunately, my application was denied. 

I have a card with XXXX XXXX, which monitors my credit as well, and I've now received XXXX hard inquiries from XXXX, stemming from Credit Karma. XXXX is not to blame for this. I also applied for a personal loan to consolidate all my debt, including the cards, and that was my first attempt at consolidation with " Karma guaranteed '' approval. They had to give me a {$50.00} XXXX gift card because that loan was also not approved. 

All my finances, including employment status and income, were verified through Credit Karma and other sources. I'm appalled, and this needs to be fixed immediately. Today, when looking into it, I found out that there's a class action lawsuit of upwards of {$3.00} XXXX involving XXXX people. I was unaware that I was involved in this and never received any paperwork or notification. 

I am now placing my faith in the Federal Trade Commission, whose policies and ways of handling everything are excellent. Please help me get this straightened out. I XXXX be the poster child for that lawsuit, and my credit has dropped XXXX points today due to Credit Karma 's negligence. I hope to hear from you soon. My email is XXXX. Please feel free to reach out at your earliest convenience. I will also call my attorney to see if there are any steps I can take on my behalf as a company that claims to help people with their credit, but actually damages people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-23 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I have asked for these accounts to be verified in the past and have provided an FTC report and have a CFPB profile where I've repeatedly complained. Some accounts have been returned to my profile incorrectly. Here is a new FTC number regarding this account. FTC # XXXX I was notified that the CFPB has filed a lawsuit against XXXX and I have been experiencing the same across all XXXX bureaus! I'm requesting these accounts be removed or corrected immediately as it is affecting my chances of getting a house, car and other items. XXXX, Equifax and XXXX all violate my rights as a consumer, as well as federal laws. 

I would like all reported accounts to be removed corrected immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-22 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:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Information Service LLC, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX  a member of our family was facing serious health problems that stopped her from work and we were struggling to pay mortgage due to a hardship situation, which causes home income decreased. Then we contacted Wells Fargo to make a mortgage modification and they denied putting our home in foreclosure. 
We had to hire a lawyer to help us with the litigation process to get the modification. 
Until then we don't have this modification very clarified, and we believe that there has been some kind of misunderstanding about our mortgage modification and charges related to it, and escrow.

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 2025-01-23 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: MO

Complaint narrative:
I am falling complaining against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission Equifax consistently responds within 24 hours a day that the account is accurate without providing any evidence of through investigation this practice violates the Fair credit reporting act FCRA15 USC section code 1681i which mandates a reasonable investigation of disputes for more Equifax action may also contravene the consumer financial protection act CFPA 12 USC section code 5536a1a-b AS highlighted in the CFPB recent administrative proceedings file number XXXX against them similar violations I request that CFPB take action to assure Equifax complies with federal laws and provide consumer what they're necessary proof and investigation these are the account that I've marked as inaccurate below XXXX account number # XXXX amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
( 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 proce 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 and inconvenience significant caused have financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-01-23 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 filling a complaint against Cashapp ( Block , Inc ; ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection act ( CFPA ). Specifically, Cashapp 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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Collection Agency CREDIT COLLECTIONS Balance Date XX/XX/year> Original Creditor Name XXXX  Account Designator Code XXXX  This company is violating my rights they did not provided Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
On XX/XX/XXXX, I sent out dispute letters because I noticed discrepancies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
For one, why havent I received any settlement pay from the XXXX XXXX and Consumer Credit lawsuit? Two, I recently disputed negative activity against my credit worthiness with XXXX, XXXX and XXXX requesting specific proof from creditors regarding. I keep getting a bogus investigation result stating my accounts have been verified and my requests are denied. However, I do not get what I request even when I send USC statutes protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
XXXX. Problem Description On XX/XX/year>, I registered an account on Coinbase, deposited {$1800.00}, and used the funds to purchase virtual currency through the platform. On XX/XX/year>, I received a message from Coinbase notifying me that my account was under review. The message stated : As a regulated company, we are required to comply with regulations, including reviewing accounts. We need some time to verify your information. During this process, you will not be able to use Coinbase. Usually, the review process takes no more than two days, but in some cases, it may take longer.

Later that same day, I received a message in the app asking if I had any relationship with a person in my home country. I responded No. However, my account remains under review, and it has now been over three days without any resolution.

2. Impact and Damages As of now, the funds in my account ( {$1800.00} USD ) and the virtual currency I purchased remain frozen. Due to Coinbases inaction, I am unable to access or trade my assets, which has resulted in financial losses because of the depreciation of the cryptocurrency I hold.

3. Attempts to Resolve I have repeatedly contacted Coinbase customer service via their in-app chat, but all responses have been automated. There is no option to speak with a human representative, and no progress has been made in resolving my issue.

4. Request for Resolution I am requesting the following : 1. Immediate Action : Expedite the review of my account or provide a detailed explanation of why it is being delayed.

2. Funds Release : If the review can not be resolved promptly, I request that Coinbase return the {$1800.00} USD in my account.

3. Compensation for Losses : Compensation for the financial losses caused by Coinbases delay and lack of communication.

Company response to consumer: Closed with monetary relief