vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$120.00} {$150.00} taken from my checking acct. 
accidentally made XXXX extra payments in XXXX. I received on refund check in the mail. I am missing the ones for {$120.00} and {$150.00}. I have called plenty of times since XX/XX/XXXX and its now XX/XX/XXXX and I still dont have my money back. Capital One recommended I dispute with my bank and so I did- and they ended up not honoring/denying the dispute/claim from my financial institution. I do not know where my money is and I want it rightfully back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On the first of XXXX i sent XXXX dollars by Remitly to be picked up in minutes to XXXX XXXX XXXX and they havent released the transaction. They asked me for my ID, his ID and our emails and I sent it to them and still nothing he hasnt received that money. I keep calling them every day and texting with them and they keep on telling me to wait for 24 to 48 hours. I told him what was the problem to see if I could fix it but they say nothing that theyre just waiting on the XXXX bank. I told them to cancel the transaction and send the money back to my bank account and they say they can not do that right now cause its still on hold. The reason why I dont know every time I call they keep on telling me a different thing but theyre not asking me for nothing else until today. That money is still on hold for what reason theyre not telling me they change the story every single time I call them. Its a different thing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year> XXXX XXXX sent me a XXXX  payment for XXXX. I messaged PNC bank and ask why my XXXX wasn't available and I was told that if the sender didn't send it with instant it would take up to 3 day. I expressed my concern at never even seen that option when sending my owe XXXX  payments and ask where in XXXX  it gives this option they don't seem to know where this option is back on XX/XX/year> XXXX XXXX sent me a XXXX  they told me the same thing then and I never received that deposit. I've ask my family and friends no one seems to have ever heard of this so I went back and read through my XXXX directions it's not there and my banking contract with PNC says my XXXX payments are available immediately so I do not understand why they keep holding my XXXX payments instead of depositing them in my acct. What can I do about this. I'm concern bc my rent and bills being late or bouncing bc there holding there deposits and there no clear reason why and seem to be no way to resolve this issue. Other than being legal actions since it's seem to be only me and my XXXX  payments this is happening to please help me with this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '' and I have noticed on my consumer report. That I have had a bankruptcy. Which in fact, does not belong to me and need to be deleted immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX, Equifax, and XXXX have violated codes 15 U.S Code 1681 s-2 " Responsibilities of furnishes '' of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record, that I am not connected to this public record. 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 be deleted within 3 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 explanation
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
Navy Federal Credit Union have been charging overdraft fees consistently forcing my account into the negative which then leads to insufficient funds fees. There has been occasions where even after submitting credit card payments I was still charged late fees. Also NFCU has caused major issues with their processing payments method, due to this system function I would assume I have enough money for a transaction only to find out I have over spent which leads to overdrafts. 
In the months of XXXX, XXXX and XXXX this incident went on continuously. Too many more incidents to mention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: VW Credit
State: CA

Complaint narrative:
On XX/XX/XXXX, I leased a XXXX XXXX XXXX from XXXX XXXX XXXX The dealership advertised a lease offer with a monthly payment of $ XXXX with {$4000.00} due at signing. After negotiation, I agreed to a $ XXXX lease with {$2000.00} from my trade-in and {$500.00} cash due at signing. 

At no point during the negotiation or signing process was I informed that VW Credit Leasing , Ltd. would claim the {$7500.00} federal EV tax credit on my behalf. The lease agreement does not explicitly state that the tax credit would be applied to my lease, nor did I sign any document acknowledging that I elected to transfer this credit. 

In XX/XX/XXXX, I attempted to file my XXXX tax return using XXXX, but the IRS rejected my return, stating that the XXXX  tax credit had already been claimedpresumably by VW Credit Leasing , Ltd. I immediately contacted XXXX XXXX and VW Credit Leasing to request clarification and proof that I had agreed to this arrangement. 

VW Credit Leasing refused to provide an answer and redirected me to Volkswagen of America. 
XXXX XXXX 's General Manager later confirmed verbally that the {$7500.00} XXXX tax credit was included in the {$8000.00} lease rebate, but they have not provided written confirmation or any document proving I was informed before signing the lease. 
I have now made multiple requests for written documentation clarifying how the tax credit was applied, but neither VW Credit Leasing nor the dealership has provided any formal response.

How This Affected Me I was denied the ability to claim the {$7500.00} EV tax credit on my tax return due to VW Credit Leasing appl
ying it without my consent.

The lease documents do not explicitly disclose that VW Credit Leasing would claim the credit, making this a lack of financial transparency.

Had I known VW Credit Leasing was taking the credit, I would have structured my lease deal differently. 
I suffered financial harm due to misleading financial practices by VW Credit Leasing and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Received phone call from a rep with the fraud dept this morning. The representative was very rude and unhelpful. Mentioned a phone number called to inquire about my account. I told the rep the number is not associated with me or the account. Been on the phone for 3 hours with the company, with no resolution. Other than stating they were closing my account for a reason that had nothing to do with me or my business. This is after I transferred my payroll to this company. Initiated a commercial real estate deal. After waiting 35 days for a verification process that was initiated I believe based on race and gender. Manager XXXX was very rude and disrespectful. The initial called without verifying me or the account. When I stated this she was very rude and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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 2025-02-07 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: AR

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identity theft A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-02-07 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-07 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-07 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
My account with Zelle via XXXX has been suspended. There is a claim that I misused the account privileges. The last time I was allowed access to the account - there weren't any transactions out of the ordinary. 
Upon contacting the Fraud Department at XXXX I have never placed fraudulent banking activity. I appreciated using Zelle to send and receive ( not extravagant amounts & used prudently ) with friends. I did not abuse the privilege during the time it was available and have since not been sent any information. 
XXXX, they could give me no specific information regarding the reason. After an hour and XXXX minutes they actually gave me the number for your customer service and asked me to call. 
I did, and after hearing what the issue was, put me on hold and connected me to XXXX Customer Service XXXX ( twice )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NC

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 2025-02-07 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-07 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account Number : 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hey, my name is " XXXX XXXX XXXX '' and I have noticed on my consumer report. That I have had a bankruptcy. Which in fact, does not belong to me and need to be deleted immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX, XXXX, and Transunion have violated codes 15 U.S Code 1681 s-2 " Responsibilities of furnishes '' of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record, that I am not connected to this public record. 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 be deleted within XXXX 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 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 2025-02-07 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 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 prossed was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) a 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 2025-02-07 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief