vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This company is reporting inaccurate information on this XXXX  XXXX account. This account is in litigation and this company has also been sued by the cfpb. 
Misled consumers about high interest accounts : XXXX XXXX illegally deceived consumers and XXXX XXXX, XXXX. violated the XXXX in XXXX XXXX by representing that XXXX XXXX provided a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. 
Kept consumers in the dark to maintain a two-tier system : XXXX  XXXX misrepresented to existing customers that its XXXX Savings account was and would be its only XXXX high-interest savings product with the features, terms, and conditions of XXXX Savings and obscured from those customers its newer, much-higher-interest XXXX Performance Savings accounts, which otherwise had all the same terms, conditions, and features of XXXX Savings. XXXX XXXX used XXXX XXXX XXXX to attract new depositors without paying existing depositors the interest they were promised. XXXX XXXX avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the Truth in Savings Act. It also has the authority to enforce the Consumer Financial Protection Acts prohibitions on unfair, deceptive, or abusive acts or practices. The CFPB seeks to stop XXXX XXXX unlawful conduct, provide redress for harmed consumers, and impose civil money penalties, which would be paid into the CFPBs victims relief fund.

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has denied me access to my checking account.

I called to inquiry why and was unable to get an answer. After I requested to speak with a manager or supervisor, I was placed on hold for an hour and a half. I still was unable to speak with someone regarding this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 in regards to my concerns regarding Zelles handling of disputes as highlighted by the CFPB lawsuit. I have been told that loss funds are disputed transactions were unable to be recovered. Due to their negligence Zelle has failed to protect customers and allowed exploiters to repeatedly abuse the platform. their lack of accountability and transparency is concerning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Report Credit Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed 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 the inaccurate information.

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 2025-01-16 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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue is align with the recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an explanation 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 2025-01-16 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: FL

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Equifax Consumer name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan opened on XXXX {$120000.00} # XXXX XXXX XXXX.The account have resulted in a fraudulent account appearing on my consumer XXXX credit report. I've attached a a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App XXXX 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. If been sent faulty products and scammed out of money.

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 2025-01-16 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: TX

Complaint narrative:
I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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 2025-01-16 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair Credit Reporting ACT ( FCRA ) to conducts a reasonable reinvestigation of disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against 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 outcome. These failures align with my experience, where Experian has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: NC

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 2025-01-16 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: PA

Complaint narrative:
Overdraft Fees When I Called And Told Them If My Account Has No Funds I Don't Want Anything Going Through. And One Time I Sent XXXX To The Wrong Person On XXXX And They Basically Told Me Oh Well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our company checking account at Bank of America has been charged unauthorized ATM withdrawal fees even though it is a Platinum account with over {$150000.00} always maintained in XXXX. On XX/XX/XXXX I met with XXXX XXXX, the Financial Center Manager at my local branch and he assured me that fees never should have been charged throughout XXXX, even though some were for ATM use internationally ( we travel extensively on business ). 

Despite two email reminders and one phone call, neither he nor B of A have responded or taken any action. 

I also maintain over {$200000.00} in personal accounts in the same branch. This is very frustrating, as we are a small business and can not afford random, frequent fees which really add up.

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 monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Bank of America charged interest on my credit card account AFTER I had paid it off in full. On XX/XX/2024 the credit card was paid in full. Three days later Bank of America adds on what they call an interest charge of {$21.00}. How can you add interest on a zero balance? On XXXX I called Bank of America to try to get a reasonable explanation all I got was that the charge can not and will not be removed. Therefore, I closed the credit card and filed this complaint.

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 2025-01-16 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: NC

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I am unaware of their origins. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are included for your review.

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 2025-01-16 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Both XXXX and XXXX XXXX XXXX are reporting to XXXX updated information that was previously disputed and removed from my report as updated information for accounts from XX/XX/XXXX XX/XX/XXXX stating information changed in XXXX! These accounts are from XXXX and are affecting my score. XXXX is also reporting information from XXXX and Kimball Tirey St John as updated information that was previously disputed and removed! All three bureaus are reporting 3-5 hard inquiries that were disputed recently and previously that were not authorized by me. So frustrated with this process, I paid repair company 3 years ago to help fix my reports and it is all coming back and I can not afford to hire someone again so this is my attempt to do it myself with zero knowledge of all laws to use against these 3 reporting agencies! I can not get my cars interest rate of 35 % reduced or refinanced, credit cards or loans to have a better quality of life because of all the unfair items being reported. My scores remain between 550-600 for many years now. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Both XXXX and Select Servicing Portfolio are reporting to XXXX updated information that was previously disputed and removed from my report as updated information for accounts from XX/XX/XXXX XX/XX/XXXX stating information changed in XXXX! These accounts are from XXXX and are affecting my score. XXXX is also reporting information from XXXX and XXXX XXXX XXXX XXXX as updated information that was previously disputed and removed! All three bureaus are reporting 3-5 hard inquiries that were disputed recently and previously that were not authorized by me. So frustrated with this process, I paid repair company 3 years ago to help fix my reports and it is all coming back and I can not afford to hire someone again so this is my attempt to do it myself with zero knowledge of all laws to use against these 3 reporting agencies! I can not get my cars interest rate of 35 % reduced or refinanced, credit cards or loans to have a better quality of life because of all the unfair items being reported. My scores remain between 550-600 for many years now. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against 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 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 2025-01-16 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 Zelle handling of disputes particularly in the light of the recent CFPB lawsuit focusing on issues with their app. Even tho Ive used Zelle numerous times and reported problems Zelle did not investigate my claims adequately. They told me recovering lost funds were impossible leaving me with a hole in my pocket and no way of getting it back.

Company response to consumer: Closed with explanation