vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IA

Complaint narrative:
Hello my name is XXXX XXXX, I opened a new auto loan account with 5/3 Bank end of XX/XX/XXXX. Things were fine. I had it on auto pay and all was well. Until XXXX of XXXX. 2 payments were taken out of my bank account that month. I had reached out a few times. The documented conversation I have is from XX/XX/XXXX. I was told I would receive my refund back to me in 5 days. They would request a direct refund into the bank account it came from. After 5 business days, I called in and was told they had no record of the request for the refund. This was XX/XX/XXXX. I went down to my local bank to refinance as I was frustrated. We had called in and got the pay off quote. The quote was {$9400.00} with a per diem of {$1.00} per day. I have confirmed this with multiple reps and am including two instances of the confirmation. A check was sent out for {$9400.00}. I confirmed with two different reps that the check was cashed on XX/XX/XXXX. Six days of per diem would be {$8.00} and then the total amount I was set to owe was {$9400.00}. The check was more than that. They sent the overage back to the bank, along with the title. From what I have come to find out. The payment I asked to be revered on XX/XX/XXXX. That I was then told they had no record of, was then revered on XX/XX/XXXX. Almost a month after it was requested when I was told bank policy was to release the funds after 5 days. 17 days after the buyout agreement, and 12 days after cashing the check. I had no way of knowing of this issue, mostly due to personal circumstances, such as graduating college and moving. I also havent received proof that the refund was actually sent, but at this point thats is a tiny detail. I wasnt informed of any additional payment they believe I owe until XX/XX/XXXX. I asked when they sent to title to the new bank ( XXXX XXXX XXXX  ) and one representative refused to tell me. I traded in the vehicle on XX/XX/XXXX when I purchased a new vehicle. Neither the dealership or the new owner/ new owners lien holder had any issues with the title. I was told by many representatives if I have the title then the loan was paid off since the title isnt sent until the system recognizes the loan is closed and finalized. The rep that refused to tell me when I was sent the title, said if I had the title then u no longer have an obligation to 5/3 Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
Sent multiple complaints to both creditors and reporting agencies advising of identity theft and to have information on my report blocked and deleted as these accounts were opened fraudulently with electronic complaints and mail correspondence being sent from dates ranging from XX/XX/XXXX through XX/XX/XXXX. Companies response is that they are investigating however turn around and verify information without properly conducting an investigation and removing accounts as per FCRA 605B. Companies have not provided physical documentation advising of the denial as mandated from FCRA section 1681i ( a ) ( 5 ) ( b ). This is my FINAL request for deletion and removal of accounts listed in the referenced police report from my local law enforcement and from all subsequent IDTHEFT reports from the FTC that have been both electronically transmitted and physically mailed to the companies who have received them via certified mail and by also advising of receipt via multiple phone conversations. I certify that this is complaint is not in error and that I have not misrepresented any information therein and that I have not received and good or services as it pertains to the accounts opened and that all transactions, calls, accounts, bank accounts, personal information, and disputes prior to XX/XX/XXXX where used/done without my knowledge and for nefarious purposes. I have taken measures to secure my account and identity and if information is not blocked and or deleted within XXXX business days then I will be forced to pursue LITIGATION for defamation and willful injury to the fullest extent of the law.

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 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
Aldous & Associates , PLLC Subject : Demand for Immediate Removal of Inaccurate Credit Report Entry Dear Aldous & Associates, I am formally disputing an inaccurate debt that has been wrongfully reported to my credit file. The alleged debt, associated with my XXXX XXXX membership, was resolved and should never have been reported to the credit bureaus. Upon signing up with XXXX XXXX, I was assured that any outstanding balance was wiped out, and I was not responsible for any further charges. 

This inaccurate reporting is damaging to my credit, and I demand that it be removed immediately. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information you report. Since this debt is invalid, you must correct or delete this entry from my credit report. 

I expect written confirmation within 30 days that this erroneous account has been removed from my credit file. If this matter is not promptly resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal action. 

Please confirm the removal of this account in writing as soon as possible. You may contact me at the information provided above if further clarification is needed. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Unauthorized Accounts on Credit Report Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Experian regarding the presence of unauthorized accounts on my credit report. Upon reviewing my report, I discovered multiple accounts that I did not open and never authorized to be reported. Despite my attempts to dispute these inaccuracies directly with Experian, these accounts have not been removed, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ).

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 2025-02-09 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability for Negligence Dear consumer report I am writing in reference to the notice I received regarding the civil liability claim for negligence under the reference number XXXX. After carefully reviewing the situation, I believe that the claim of negligence is unjustified, and I respectfully dispute the liability. 
I would like to clarify the following points : 1. Lack of Negligence : Based on my understanding of the events leading to the alleged negligence, I do not believe my actions or omissions were negligent in any way. I took reasonable precautions and acted with due care, and I am confident that I did not fail in my duty of responsibility. 
XXXX. Absence of Evidence : To date, I have not been presented with any clear or convincing evidence to substantiate the claim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request that you provide any documents, statements, or other evidence that support the assertion of negligence in this case. 
3. Details of the Alleged Incident : If the claim is based on a specific incident or event, I request further details, including the date, location, and circumstances surrounding the incident. I would also appreciate clarification on how my actions, or lack thereof, directly contributed to the alleged negligence. 
In light of the above, I request that you review the facts of the case and provide a full explanation of why this civil liability claim is being made. If necessary, I am prepared to provide further documentation or clarification from my side. 
Please respond in writing within 30 days to resolve this matter. I am confident that upon review, it will be clear that I am not liable for negligence. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXXXXXX 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp issued fradulent 1099k form with my name, address, and social security number. The 1099k form included a total of {$5100.00} in charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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 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 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Preformance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant losses for many, Breaching the Consumer Financial Protection Act and the Truth In Savings Act. I seek redress for the misleading practices related and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal
of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion IN REGARD TO THESE 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 
THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. 
The CFPB found TransUnion the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that TransUnion violated the law by using ineffective systems and flawed processes and excessively deferring to furnishers to address disputes. Specifically, the CFPB found TransUnion harmed consumers by : Failing to thoroughly investigate consumer disputes : Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Sharing inaccurate credit scores and data about consumers with lenders : Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
My original complaint : In late XX/XX/year> we received a package from XXXX XXXX XXXX XXXX XXXX XXXX  In the box was a high end XXXX XXXX XXXX XXXX ). We did not order this product nor have I ever heard of or purchased anything from XXXXXXXX XXXX I immediately checked our credit card statement and found two separate charges from XXXXXXXX XXXX, one on XX/XX/XXXX for {$2300.00} and one on XX/XX/XXXX for {$2300.00}. Once I saw these charges I submitted a fraud claim to my credit card company, USAA Federal Savings Bank. I also reached out to XXXX XXXX to let them know that I had received merchandise from them that I did not order and expressed my willingness to return the item to them. XXXX sent me a voucher for shipping and I have proof of their receipt of the merchandise dated XX/XX/year>. Both of my initial fraud claims were denied by USAA. I appealed both decisions and on XX/XX/year> XXXX claim was again denied and XXXX XX/XX/year> XXXX claim was affirmed. When I contacted USAA, the only information they gave me was that the merchant, XXXXXXXX XXXX claimed the transaction was valid and thus I would be charged in full. To recap, someone fraudulently charged 2 separate transactions to XXXX XXXX  for high end rifle optics. One was sent to my house which I promptly returned to the merchant. USAA has denied one of my claims and has provided me with no recourse. How can I possibly prove that I didn't buy this item? 

Update : USAA found that multiple purchases on or around the same dates in XXXX XXXX were fraudulent, EXCEPT for one of two purchases made at XXXX XXXX detailed above. When asked the rationale for approving all of the other fraud claims, but denying this one ( EVEN THOUGH ONE CLIAM WAS ACCEPTED AT THE VERY SAME MERCHANT ), no one at the company can provide me with an explanation. All I get is a form letter saying my claim was denied. When asking any and every representative I talk to, I am merely informed that the fraud algo USAA uses found that we were responsible. How can I fight this finding when they won't even tell me what evidence I have to refute? How can this possibly be my only recourse? I am now forced to litigate this matter and will pursue recourse vigorously.

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 2025-02-09 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: PA

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. 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 2025-02-09 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: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX ", I have noticed that I have had hard inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my XXXX Report. This law states that if you file a police report through the XXXX, it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: Cascade CISS Holdings, LLC
State: OK

Complaint narrative:
Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the XXXX XXXXXXXX XXXX XXXX  Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

Company response to consumer: Closed with explanation