vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> I made a pay role deposit at atm for XXXX $ at XXXXXXXX XXXX XXXX XXXX cause a banker told me my funds would be released asap cause my check and account are from same place! It only released XXXX $ it only said hold! No reason why, no date if when it would be released. Today is XXXX XXXX i still dont know why a hold was placed or when it will be available! I asked for my check they told me a third party has them. I have made a payday loan on XX/XX/year> for hotel and food. I do not know where im staying tonight and i got to pay XXXX latee fee for my car paymen

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request for Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding a debt you claim I owe, associated with account # XXXX for the amount of {$250.00}. I am exercising my rights under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ) to request validation of the alleged debt. 
Please provide the following : The name and address of the original creditor. 
The amount of the debt and a detailed breakdown, including fees, interest, and other charges. 
Verification that I am indeed responsible for this debt. 
Copies of any agreements, contracts, or documents that show I agreed to the debt. 
Under the FDCPA, you are required to cease all collection activities until you have provided this validation in writing. Failure to comply with these requirements will constitute a violation of federal law. 
If this debt is found to be invalid, I request that you : Cease any further attempts to collect this debt. 
Remove any negative information related to this debt from my credit report. 
Please respond to this letter in writing and send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-01-21 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-21 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: CA

Complaint narrative:
I have been a customer with navyfederal for over XXXX years. I have been hit with so many illegal overdraft fees. I would have money in my account and when it was time to do a transaction I would be hit with an over draft fees. It caused me to spend more money than I had and I end up needing to borrow money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I needed to pay someone via zelle, however they provided me the wrong number, I submitted the payment. the person I was supposed to send the money to caught the problem and alerted me. I immediately called XXXX XXXX XXXXXXXX to let them know that I had accidently sent money to someone and if they could please contact them to get my money back. We knew the receiving bank was Wells Fargo. The person that wrongfully received the funds was willing to give it back, but Wells Fargo and XXXX XXXX XXXXXXXX did nothing to help me even though the person that wrongfully received the funds was willing to return it if only wells Fargo and XXXX XXXX XXXXXXXX had reached out to him or deducted the funds from his account. I lost the money, was unable to get it back. the banks didnt help at all.

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 2025-01-21 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: FL

Complaint narrative:
RE : Dispute of Inaccurate Information on Credit Report Dear XXXX  XXXX, I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX  XXXX - **Account Number** : XXXX Under XXXX XXXX Code XXXX, also known as the Fair Credit Reporting Act ( XXXX  ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : XXXX. A copy of my Social Security card XXXX. A copy of my government-issued ID XXXX. Proof of address ( utility bill ) XXXX. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within XXXX days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

I requested from the creditor XXXX XXXX the information on how being reported to the credit bureaus! 
Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX All Rights Reserved

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The wife, who has a Capital One QuickSilver XXXX card linked to my account, tried to purchase a product from a company that she has used a number of times before. Capital one would not allow the purchase to go through. They sent me a notice on both my cell number and email saying they needed me to contact their ( Capital One ) fraud department via phone, which I did. We went through the normal identification process, and I said the purchase was " OK ''. But in addition, they want me to send them a scanned copy of my government issued ID ( Passport and CA Driver 's License ). I said they don't need to have that sensitive information in light of current data security breaches. They insisted that I must send them those copies. I said, I'll take my rewards cash ( {$830.00} plus ), close my account, and take my business somewhere else. Why after over a dozen years of doing business with Capital One, do they need such information sent to them? They said they will not send me my cash reward without the previously aforementioned IDs. My on line account has been restricted in addition. They are holding XXXX my Rewards Cash until I send them scanned copies of those IDs. This is stealing! They know it's me for all the other identification processes, but want to blackmail me into to sending them sensitive government issued IDs in order for me to get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-21 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 I am writing to formally express my concerns regarding XXXX handling of disputes particularly light of recent cfpb lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies my financial bank and zelle failed to investigate my claims adequately. They inform me that recovery loss funds was impossible and that tracking these transactions was undoable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 XXXX 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 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 2025-01-21 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 XXXX handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle Numerous times a 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. They informed me CFPBXXXX  findings indicate zelle had 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 an transparency is unacceptable an raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-01-21 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: GA

Complaint narrative:
I have reached out to the credit bureaus to dispute a few items. They are refusing my right to file a dispute for XXXX accounts because I have disputed them prior. I have sent them in so many documents since 2023 showing that I have been a victim of identity theft. And they still have not throughly investigated the accounts.

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 2025-01-21 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: GA

Complaint narrative:
I have reached out to the credit bureaus to dispute a few items. They are refusing my right to file a dispute for XXXX accounts because I have disputed them prior. I have sent them in so many documents since 2023 showing that I have been a victim of identity theft. And they still have not throughly investigated the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I have reached out to the credit bureaus to dispute a few items. They are refusing my right to file a dispute for XXXX accounts because I have disputed them prior. I have sent them in so many documents since 2023 showing that I have been a victim of identity theft. And they still have not throughly investigated the accounts.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block XXXX Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-01-21 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Please check the information concerning the XXXX data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please check the information concerning the XXXX data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a call from someone claiming to be from XXXX  XXXX bank. Everything sounded so logic, he gave me his employee number and call log reference and even told me the call was being recorded. He then stated that he sees someone just took XXXX from my account and asked that I log in my account to confirm. I did so bc I mentioned I did not authorize that. When I logged in they were somehow able to login to my account and send money to themselves. They then proceed to say it looks like I've been hacked bc they see my chase having another XXXX charge and XXXX. I was so worried and stressed so I opened all account and in total they stole {$8000.00} for all XXXX account. As I had them on the phone I drove over to chase bc something didn't seem right and asked them to speak to the cashier and they hung up. I immediately reported them to the Chase since I was there. I then went to the police station to report it. Then went to my XXXX where they said they see that the XXXX transfer was somewhere else in the XXXX so they returned the money. I then went to XXXX  XXXX and with the information from XXXX  they returned the money. When Chase called me asking for the police report I sent it and gave them the information from the other banks. they still denied me the refund so I appealed 2 times and still was not able to get the refund. they say that since I logged in on my phone that the they can't tell if it was me or someone stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
When zelle started several times money was sent from my account to the wrong people and the money was never returned. Atleast XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer 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 requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused Significant inconvenience and financial losses, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation