vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my other bank and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> XXXX XXXX purchased some items from us. He did a {$10.00} test payment to make sure the payment would go through. He immediately sent the balance due of {$550.00} using the same information. Our account shows the {$10.00} was deposited but the {$550.00} did not get deposited. XXXX XXXX XXXX XXXX says that there was a glitch on the part of Wells Fargo Bank. They have provided the tracing number of XXXX when the money went back to Wells Fargo XXXX Wells Fargo will not cooperate at all. XXXX XXXX says the money is not in his account. We have sent several emails and phoned with no help from Wells Fargo. The paper trail is attached.

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 2025-01-30 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Incorrect Name - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, 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 2025-01-30 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: GA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: AZ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 



Delete these XXXX inaccurate accounts immediately. 

# XXXX. 

XXXX XXXX XXXX Account number XXXX # XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX # XXXX. 

XXXX XXXX XXXX - XXXX # XXXX. 

XXXX XXXX XXXX - XXXX # XXXX. 

XXXX XXXX XXXX - XXXX # XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Address # XXXX. 

XXXX XXXX XXXX XXXX, XXXX CA XXXX Address # XXXX. 

XXXX XXXX XXXXXXXX Account XXXX # XXXX. 

XXXX Account XXXX # XXXX. 

XXXX XXXX XXXX, XXXX TX XXXX Address # XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX Address # XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX Address # XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX Address - # XXXX. 

XXXX XXXX XXXX XXXX, XXXX CA XXXX Address # XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CO XXXX Address # XXXX. 

CO XXXX XXXX XXXX, XXXX FL XXXX Address # XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX OH XXXX Address # XXXX. 

XXXX XXXX XXXX, XXXX CA XXXX Address # XXXX. 

XXXX XXXX Employer # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Address # XXXX. 

XXXX XXXX XXXX, XXXX XXXX CA XXXX Address

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 2025-01-30 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: NY

Complaint narrative:
Experian credit reporting agency Is reporting information from XXXX XXXX and XXXX XXXX XXXX XXXX  aka which is a third party of XXXX XXXX  in which XXXX was served with a cease and desist which as being reported on any credit reports is a violation of said order XXXX is reporting closed accounts from more then the legal limit of seven years they false change dates and information to try to get me to pay for account that are to old to be reported on my report and needs to be removed immediately since they do violate of fair credit reporting act I have sent multiple times information show all illegal actions Experian has also failure to send me any proof which violates the 30 day rule by posting all these accounts on my credit report they are aiding and abetting the violation of the ceased and desist orders

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 2025-01-30 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: VA

Complaint narrative:
I have satisfied this debt through debt collection company XXXX, but it Is still showing a {$450.00} balance.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: MI

Complaint narrative:
Comerica Bank caused my inability to transfer, send, receive or make payments on my mortgage account and several other bills and services due to the frequent malfunctions of their mobile banking and web banking services. Comerica Bank, subsequently closed my checking account and ( 2 ) years later reported the account closure for account abuse, to Check Systems. Immediately I requested Comerica Bank rectify the issue, instead I received overdraft notices and related fees from Comerica. I also received fees and associated fees and issues from my creditors and mortgage company. At the time I was physically in recovery from XXXX XXXX and relied on the services Comerica provided such as web banking and their mobile banking app due to my physical limitations. Which at the time was suggested by Comerica Bank when you called or went into any of their local branch locations. On multiple occasions the mobile banking system and mobile banking app was down malfunctioning without warning or explanation sometimes hours sometimes days, this caused my inability to move money between accounts or send and receive money processing problems. Which resulted in late or delayed mortgage payments and other bill payment issues and related fees. Comerica charged me overdraft fees and various other issues snowballed due to Comericas failure to deliver on services they offered to provide which I had come to rely upon. I was forced to mail my Mortgage put me on a payment probation, requiring me to certify mail payments in as a result of this issue because of the automated payment process failures through Comerica Bank which stressed my recovery. After all of that Comerica Bank closed my checking account, after I requested the error to be resolved and the fees reimbursed to my account. I paid the balances Comerica Bank claimed I owed to prevent further damage before they closed my account despite knowing that the issue was Comericas fault. Now most recently I received a notice of account abuse from Check Systems when I tried to open a Credit Union account and realized that Comerica is still causing me hardships financially and reputation issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I was told by the XXXX XXXX XXXX XXXXXXXX to call about this fraudulent activity that happened in XXXX, gave me the collection agency number. I reached out to the collection agency to tell them it was fraudulent. They were rude, disrespectful and told me if I didnt pay {$13000.00} right now to settle it, regardless of if it was fraudulent or not then they will just keep dinging my credit. And they even stated if I were to wait the 7 years, they WILL in fact sell it to another agency for it to stay on another 7 years. 
This is hurting me tremendously because my daughter and I are XXXX and cant even get XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan as a veteran with that weighing me down. 
This went into collections it says in XXXX, I was on XXXX XXXX status until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
My information was involved in a data breach and I received a copy of my credit report and noticed accounts that I did not authorize due to the data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally notify you that I am a victim of a data breach, and I request the deletion and blocking of the accounts listed below on my XXXX credit report. As provided for in XXXX XXXX XXXX ( a ), I am entitled to request the blocking of any fraudulent accounts that result from such breaches. 
Please find the following details related to the breach : Full name : XXXX XXXX Address : XXXX XXXX Way XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of birth : XX/XX/XXXX Social Security Number : XXXX Accounts affected by the breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX ( Equifax XXXX ( XXXX ) XXXX XXXX XXXX XXXX Equifax XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXXXXXX XXXX XXXX XXXX ( XXXX ) Acct : # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ORIGINAL CREDITOR INQUIRIES : ( XXXX ) ( XXXX ) ( Equifax ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( Equifax ) Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX I ask that you block all fraudulent accounts that have been compromised or opened as a result of the breach, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX ( a ). I also request confirmation that these accounts have been deleted or blocked from my credit report. 
Please send me written confirmation of the actions taken within the required timeframe. 
Thank you for your prompt attention to this matter. Should you require any additional information or documentation to process my request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 '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 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: FL

Complaint narrative:
this company reported to the credit bureau CAPIO PARTNERS LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Complaint Against Equifax for Failure to Properly Investigate Dispute To Whom It May Concern, I am writing to formally file a complaint against Equifax for failing to properly investigate my credit dispute in accordance with federal law. I submitted a dispute to Equifax, citing XXXX XXXX. XXXX XXXX ( a ) as the legal basis for my request. However, Equifax accepted and closed my dispute using Section XXXX of the Fair Credit Reporting Act ( FCRA ) - a statue I never referenced in my dispute. 

This improper handling of my dispute raises serious concerns about Equifax 's compliance with the FCRA and their obligation to conduct a reasonable investigation, even after the CFPB 's recent lawsuit against them for their failure to conduct proper investigations of consumer disputes. The fact that Equifax applied and entirely different statue than the one I cited suggests that they did not fully review or consider the legal grounds of my dispute. 

I request that the Consumer Financial Protection Bureau investigates Equifax 's willful non compliance with the FCRA 's regulations, investigate Equifax 's failure to properly review my dispute and take appropriate action to ensure their compliance with federal law. I ask that Equifax be required to reinvestigate my dispute, applying the correct legal standard as cited in my original submission and block and delete the information requested in my dispute. I would also like to receive compensation from the CFPB 's victim relief fund, as I am a victim of illegal and unfair practices by credit reporting agency. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
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 XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I withdrew XXXX XX/XX/year> at teller machine at PNC in XXXX XXXX in XXXX. I did receive the funds for XXXX. Looking at my bank statement it shows as a payment to XXXX XXXX XXXX not atm withdrawal?!! I called PNC on XX/XX/year> spoke to XXXX and explained my issue. He checked on his computer and told me it shows XXXX withdrawal?!! I asked him why do I see on my account a payment to XXXX XXXX XXXX? He replied I dont see that, just give it some more time for it to catch up? I thought that was extremely strange? He didnt care to try find out or help me any further. Ive waited and havent heard anything back from PNC regarding this dispute. I want this investigated and corrected on my account to show a teller withdrawal since that is actually what I did! They made error on my account and it needs to be corrected. All scammers now Im concerned my account has been hacked. PNC has basically closed all branches except XXXX where you can actually go inside to have them help you correct issues like this. Seems they dont care to correct or investigate why and what cause this to be listed in my account as such. I am so disappointed in this bank now, possibly its time to bank elsewhere! Please do correct this and please make PNC accountable its their error and they need to correct my account to a withdrawal not some payment to an establishment I have no dealings or an account with. I will be waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I am filing a complaint against Cash App ( block ) inc. due to inadequate customer service and unfair practices which violates 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation