vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
I don't want to receive any updates from TransUnion either by letter or email regarding my XXXX XXXX  experience. I am requesting a cease of communications through email and letters from the said Bureau.

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 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, a fraudulent charge was made using my credit card information ( the card never left my physical possession ). The charge was with XXXX XXXX in the amount of {$190.00}. 

I originally submitted this dispute on XX/XX/year>, and called for an update on XX/XX/year>. I was told by an individual in the Citi Fraud Department that I incorrectly submitted the dispute as a standard dispute, and that I needed to close it so they could re-open it as a fraudulent charge dispute. A new card was then issued. On XX/XX/XXXX, Citi closed the dispute with the notation that I was responsible for the fraudulent charge. 

I followed up with Citi on XX/XX/XXXX and spoke to a woman named XXXX in the customer service department, who then transferred me back to the Security Operations department ( XXXX ), and I spoke with another woman by the name of XXXX. I was told that the fraud investigation takes some time to complete, and that I would receive follow-up once the investigation concluded. 

There has been no follow-up since this incident occurred.

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: 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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 CFPBs 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 — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account was closed due to account being breached without authorization

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: NY

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

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: VA

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 removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Under Regulation E, which implements the Electronic Fund Transfer Act ( EFTA ), consumers are protected against unauthorized electronic transfers. 

Federal law limits my liability for unauthorized debit card transactions to {$50.00} provided I report the fraud within two business days of discovering it.

" I may incur no liability for unauthorized use of my card or card number up to the amount of the unauthorized transactions ''.

12 CFR Section 1005.11 requires banks to investigate report errors and provide provisional credit within 10 business days if the investigation is not concluded. 

" Fraudulent Pretenses, also known as the theft by false pretenses, is a crime that involves obtaining property from someone else through deceptions. The perpetrator uses false statement or representations to trick the victim into willingly giving up their property ''. 

My Wells Fargo debit card ending in XXXX and pin number was stolen through FRADULANT PRETENSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and used on unauthorized ATM transaction on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX in the amount totaling {$2000.00} from 8 separate transactions. ( My account only let me take out {$1000.00} per 24 hours not sure how they were able to take out {$2000.00} within an hour time frame. Please verify when and what time was my account change from {$1000.00} daily cash limit to {$2000.00} daily cash limit ). I reported this to my local branch on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX contact number was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called XXXX the banking associate informed me they denied my claim and gave the number XXXX for further information on their denial to my claim.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-16 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: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, regarding in light of 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 CFPBs findings indicate that Zelle have not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leave users vulnerable to scams. This lack of accountability and transparency is unacceptable and XXXX. 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: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank- {$980.00} The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o No monthly payment information o The payment history has both closed and late at the same time, which is not possible o The last payment date shows XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but Capital One never provided a 1099C o The date Closed has no info XXXX : o The account is closed, but still shows a balance o The balance was last updated XX/XX/XXXX, but is charged off o XXXX has last payment date of XX/XX/XXXX o Status shows as charge off, but Capital One has never sent a 1099C. 
o Shows past due, closed and charged off all at once, which is not possible XXXX o The last payment date shows on XXXX XX/XX/XXXX, while XXXX says XX/XX/XXXX o Payment statis is charge off, but Capital One never provided a 1099C o Worst payment status says No Info o The account status is derogatory, but also shows never late in the times XX/XX/XXXX days late

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: 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 and privacy.

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: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inade

quate 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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a letter from XXXXXXXX XXXX XXXX  on behalf of midland credit. I asked for the original contract from both parties, it has been months and I still havent received the information I requested. I have documentation to prove it. Now they are threatening a lawsuit on me but havent sent me the information to prove accuracy.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Money was not available when promised — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
every XXXX of the month for a year totaling XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
My identity was compromised in a recent major Data Breach. When checking my XXXX Credit Report I noticed a Collections Account from Spring Oaks Capital LLC, a Third-Party Debt Buyer. 

On XX/XX/XXXX I sent Spring Oaks Capital LLC a Debt Validation Request via USPS Certified Mail. I asked for A FULL AND COMPLETE INVESTIGATION AND VALIDATION to prove I owed this debt. Today I received a Response, showing information from the Original Creditor, XXXX XXXX XXXX XXXXXXXX. The Response shows I received an Unsolicited Check/Loan Offer dated XX/XX/XXXX from XXXX XXXX XXXX XXXXXXXX XXXX It appears I did endorse and deposit the Check on XX/XX/XXXX. Spring Oaks Capital LLC attached a Ledger showing all Activity on the Account with XXXX XXXXXXXX XXXX XXXXXXXX- the LAST ACTIIVITY WAS ON XX/XX/XXXX, RENDERING THIS A TIME-BARRED DEBT PER XXXX FLORIDA STATUTE 95.11.

Spring Oaks Capital LLC has knowingly reported this TIME-BARRED DEBT to the Credit Reporting Agencies in violation of FCRA, FDCPA and XXXX Florida Statute 95.11. By their actions Spring Oaks Capital LLC. has willfully and wantonly prevented me from obtaining Medical Care, Housing and Employment. I want this Account DELETED from XXXX, XXXX AND XXXX immediately.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The accounts are listed in the attached document. The debt collectors and creditors will not provide me with the required information regarding ownership of debt and accuracy of debt reporting. This is a violation of the FCRA Section 605 ( b ) et al.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlas Credit Company, Inc.
State: VA

Complaint narrative:
Talk to there rep on Monday XX/XX/XXXX bill due on XXXX Told rep would be paying on XX/XX/XXXX afterXXXX They still call everyday. Today they call me and my reference. My mother there was no reason for that if I talked to you on Monday and told when payment will be made The company is Atlas credit

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I CONTACTED ALL XXXX BUREAUS ON XX/XX/year> CONCERNING ACCOUNTS THAT WERE ON MY ACCOUNT FRAUDULENTLY AND THAT I NEEDED HELP ADDRESSING THE ISSUE. NO ONE HAS RESPONDED TO ME YET. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE FILED AN IDENTITY THEFT REPORT WITH THE FTC.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I CONTACTED ALL XXXX BUREAUS ON XX/XX/year> CONCERNING ACCOUNTS THAT WERE ON MY ACCOUNT FRAUDULENTLY AND THAT I NEEDED HELP ADDRESSING THE ISSUE. NO ONE HAS RESPONDED TO ME YET. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE FILED AN IDENTITY THEFT REPORT WITH THE FTC.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm a victim of the of the Equifax Data Breach, as well as victim of the NPDData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach which led to me being a victim of Identity Theft. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe EQUIFAX 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested EQUIFAX to provide their method of verification several times back in XXXX, XX/XX/XXXX, and as late as XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.

Complaint narrative:
comenity bank provide a store credit card ( XXXX ) statement was paid thru XXXX XXXX XXXX online banking they received it and they ddenied receiving, so i paid again duplicate payment, whren they realized they refunded the 2nd payment in full but next month they charge me # XXXX late fee????, it was paid on XX/XX/year> online banking received on the XXXX then they add {$6.00} additional for late {$3.00} means 200 % interest, that is rip off and i can not get an excecuse for that. the {$9.00} suppose tobe received by XX/XX/year>, i was informed if i pay today which is XX/XX/year> the balance of {$6.00} then will add another {$3.00} for XXXX statement, i choose to pay in advance {$9.00} to zero my account, this bank need to be audited and checked for misconduct and corruption, you can not leave people suffering with those corrupted financial facilities, thank you for your cooperation

Company response to consumer: Closed with non-monetary relief