vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX drafted my business bank account for {$6500.00}. The description read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

This was unauthorized. I do not have an XXXX account nor do I know XXXX XXXX. I reached out to my bank immediately and they opened a claim on their end. Then on XX/XX/XXXX, my bank, Truist sent me a letter saying that based upon their investigation the bank transfer was initiated by me for which I received benefit ( which is absolutely not true! ). The notice said I have the right to request a copy of any documents they used to make their determination however when I asked Truist for the info they said they could not provide it to me and encouraged me to go to the police and file a claim so they could subpoena the information. 

I reached out to XXXX upon two different occasions and the last time on XX/XX/XXXX I spoke with XXXX at XXXX who basically said he couldn't help because I couldn't provide an account number. Basically all I've gotten is one big run around. 

Meanwhile, on XXXX I called XXXX XXXX FL to open a case. Case # XXXX I had not heard from anyone since my first call so on XX/XX/XXXX I called and was transferred to the desk of XXXX XXXX XXXX. I left a message and on XX/XX/XXXX he called me back. I provided him with all of the information above and he said he would get to work on it. 

As of XX/XX/XXXX, XXXX XXXX indicated he was still waiting for XXXX to answer the subpoena. Another month has gone by and I still have heard nothing. 

I'm so frustrated and find it so hard to believe that my own bank isn't assisting me. They didn't even put the money back in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of my 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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/year> Subject : Request for Debt Validation, Chain of Ownership, and Cease and Desist Dear CREDENCE RESOURCE MANAGEMENT I hope this letter finds you well. I am writing to formally dispute the validity of the debt you claim I owe and to request specific documentation regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt being collected, and I am exercising that right now. 

To ensure clarity and transparency, I request the following information : 1. A copy of the original assignment or contract that confirms your authority to collect on this debt.

2. A complete chain of ownership that demonstrates how this debt has been transferred from the original creditor to your agency.

3. A detailed accounting of the debt, including the original amount, any fees or interest added, and the total amount currently being claimed. 

Furthermore, I want to bring to your attention that I am currently being harassed by your agency and other collection agencies regarding this debt. This has caused me significant distress and is unacceptable. Therefore, I request that you immediately cease and desist from all further communication with me concerning this debt until you provide the requested validation. 

I have not supplied doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Please be aware that I am keeping a record of all communications related to this matter. If you fail to provide the requested documentation within 30 days of receipt of this letter, I expect you to discontinue all collection efforts regarding this debt and update my records accordingly. 

I appreciate your prompt attention to this serious matter. I look forward to receiving the requested information so we can resolve this situation amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XX/XX/year>, I discovered unauthorized XXXX transactions totaling approximately {$8100.00}. These occurred overnight from XX/XX/XXXX to XX/XX/XXXX, facilitated by individuals who manipulated and deceived me, leading to transactions made to several recipients without my consent. 

I immediately reported the unauthorized transactions to Wells Fargo and initiated a detailed fraud investigation request. Despite providing extensive documentation, including a detailed police report, communication logs, and evidence of the unauthorized nature of the transactions, Wells Fargo has continually denied my fraud claims. They stated that the transactions were authorized from a recognized device, disregarding the context of coercion and the ongoing police investigation, which even involved a subpoena from the detective handling the case. 

Simultaneously, I have been actively cooperating with law enforcement. The involvement of the District Attorney 's office underscores the seriousness of the case. The police investigation has resulted in the arrest of two out of three suspects, highlighting the criminal nature of the transactions. 

Despite these significant legal developments and my persistent efforts to provide all necessary documentation to Wells Fargo, the bank has not reconsidered their decision. This leaves the fraudulent transactions unaddressed and continues to significantly impact my financial stability. I am seeking justice and restitution for the funds taken from me under fraudulent circumstances, and the ongoing legal actions reflect the severity of the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
Experian has failed to investigate my disputes filed and remove all negative reports from my credit report after being notified about inaccurate information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
Experian has failed to investigate my disputes filed and remove all negative reports from my credit report after being notified about inaccurate information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 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 2025-02-02 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
No action has been taken so far. 
I keep getting hard inquiries on my credit report without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> XXXX was taken from my cash app. I submitted a dispute via chat because these wasnt a working customer service line, however I never received my money back. 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 proce 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 XXXX financial loss, and I seek appropriate redress

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

Complaint narrative:
Im filing this complaint due to TransUnions willful, intentionally and consistent failure to conduct a reasonable re-investigation of my credit report disputes, as required by law.

They are currently in violation of several CFPB consent orders including XXXX XXXX. XXXX and XXXX for continuing patterns of misconduct, failing to produce accurate reports, failing to timely remove a security freeze and failing to clean up its business practices. 

I have filed XXXX complaints with the CFPB expecting your help to resolve these issues. TransUnion continues to provide false, inaccurate and misleading information on my report and to you in their compliant responses. Subsequently you close them out without confirming the information they provide or verifying the issue is resolved in accordance with the Fair Credit Reporting Act. 

The most recent complaint was sent via certified mail to TransUnion on XX/XX/XXXX. I demanded a re-investigation of the items Ive been disputed since XXXX that TransUnion refuses to properly investigate with the furnishers of the information and provide me with the proof of such. They also added a fraud alert to my report that I did not contact them to request. 

I required TransUnion to contact me only by a written letter ( no emails or phone calls ) with their results, a copy of my report and confirmation of the fraud alert removal. TransUnion did not respond to the dispute. Since XXXX, they also have been refusing to provide me with a copy of my credit report violating my federally protected consumer rights. 

I am requesting your assistance to get TransUnion to comply with law and make the corrections to my consumer report I am disputing. If they refuse to remove the account or update to accurately state the account was paid satisfactorily with no derogatory remarks, I demand TransUnion provide me with written documentation swearing under penalty and perjury laws they were there when all the alleged debt were established and can prove with documentation they received from the creditors the information is 100 % accurate. I demand they also swear under oath that I signed for the account and I signed documentation agreeing to add TransUnion to the account to be able to report on it. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: LA

Complaint narrative:
Equifax is reporting late payments on my mortgage account and credit card account with XXXX XXXX XXXX XXXX my mortgage havent been late or my credit card payment I reached out to equifax numerous if time to correct it or move that account from credit report. I have reached out to out to the Leander they said they didnt report that information. In collections I have a problem they remove from credit report and put it back on I dont have any collections they reported I ask them to remove all collections they report with then 10 days because I ask for signature that I made these collections havent got anything from equfax about information that those or my collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TX

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I as charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB 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 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had a cash app account that they closed and they could not tell me why after they refunded someone XXXX from my account This happened XXXX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

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

Complaint narrative:
Between XXXX I was charged excessive overdraft fees from Navy Federal . My account is on the verge of closing now because of a XXXX  transfer allowed by now funds are not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, 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 Eletronic 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 2025-02-02 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MN

Complaint narrative:
I am writing to express my concerns regarding the management of my student loan account with MOHELA, particularly related to my enrollment in the Saving on a Valuable Education ( SAVE ) Plan. 

Account Details : Account Statement Date : XX/XX/XXXX Last Payment ( Effective Date ) : XX/XX/XXXX Regular Monthly Payment Amount : {$430.00} Amount Paid Since Last Statement : {$0.00} Past Due Amount : {$880.00} Total Amount Due : {$1300.00} Chronology of Events : Enrollment in SAVE Plan : In XX/XX/XXXX, I collaborated with a MOHELA representative to enroll in the SAVE Plan, resulting in an agreed monthly payment of {$10.00}, no interest, and payments counted towards PSLF. 

Initial Payment : The first payment of {$10.00} was successfully processed on XX/XX/XXXX. 

Subsequent Payment Issues : Following the initial payment, I was informed of an injunction affecting the SAVE Plan. Consequently, my monthly payment increased to {$430.00} without prior notification or explanation, leading to account delinquencies. 

Website Notification : Upon accessing the repayment options on my account, I encountered a message stating, " You are currently in an alternative plan, Contact Us for further assistance. '' Attempts to Resolve the Issue : Phone Calls : Since XX/XX/XXXX, I have made multiple attempts to contact MOHELA 's customer service. Each attempt resulted in extended wait times, often exceeding five hours, without successful resolution. 
Messages : I have left several messages requesting assistance but have not received any responses. 

Impact : The unexpected increase in my monthly payment and the lack of effective communication have caused significant financial strain and stress. The accruing delinquencies on my account are a direct result of these unresolved issues. 


I appreciate your immediate attention to this matter and look forward to a swift resolution.

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

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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