vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one has withheld my direct deposit in addition to several other users reporting same problem and capital one has not given any clear explanation in regards to the situation at hand nor an eta of when we can expect the problem to be rectified may customers whose payday as come with no access to their money nor any directive on what's causing the issue. Capital one blames a third party processor who has stated that all systems are up and running

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: FL

Complaint narrative:
Over draft fee going through with no funds in account

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: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible. And tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a 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: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
i saw few inquiries on my credit report i didnt apply for cars loan credit cards the only thing i did apply for was a house loan

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 — Account information incorrect
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
My name is XXXX XXXX loan # XXXX. I entered into a forbearance agreement XX/XX/XXXX with an agent and was told it would not affect my credit adversely. As of today XX/XX/XXXX it is showing on my credit report. To my knowledge/research under those terms they were not supposed to report to any credit bureaus preventing me from refinancing my home. Freedom Mortgage # said they had the right to/option ( XX/XX/XXXX ) to report to the credit bureaus when an agent told me that it was not going to be reported to any credit bureau XXXX XX/XX/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 2025-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a phone call from XXXX stating that I needed to call XXXX with case number XXXX. When I called I spoke to a lady named XXXX XXXX, she wouldn't tell me who she was with, just said she needed to retrieve the hard copy of the complaint against me and placed me on hold. She came back and said she had the info and it was for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX and if I didn't pay {$1600.00} I would be placed on XXXX XXXX  and all my accounts would be frozen. She had the last XXXX digits of my XXXX and my address and said this is from XXXX. I have never taken anything out from XXXX XXXX XXXX After the threats of my accounts and possible court, I said I would be ending this phone call, because of the ILLEGAL threats she is making. I told her I know my rights and they are no being violated because you can't make threats over the phone. They have also called my Mother stating they have my social and I will be turned over to the courts. I asked XXXX to stop calling me and to send a letter to cease all contact and she said that it's too late. She will be telling the company that I was served over the phone and unwilling to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: NY

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I get direct deposit from my employer every Thursday. I logged in and noticed no funds deposited. I checked multiple times throughout the day and still no funds deposited. Capital One is only posting that they are having technical issues, but not explaining how users can be impacted and how long. Their is no time line for resolution and the problem was not communicated widely until people started complaining. I have no access to my pay and this is day 2.

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: MA

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. 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 the 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: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Thank you for taking the time to read this. I have several accounts with Affirm Inc I will list them below : XXXX XXXX XXXX XXXX For some reason the bills were never received I had moved. but once I realized I had fallen behind I quickly got these accounts paid off completely.

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: MT

Complaint narrative:
I am writing formally express my concerns regarding Zelle 's and XXXX XXXX handling disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle only that one time, my financial institution and Zelle/XXXX  XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking this one transaction was unfeasible. The CFPB 's findings indicate that XXXX XXXX has not only neglected to protect consumers but has also allowed to 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: 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: LA

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 the account. ( 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 — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address associated with my account. 

Wrong address : XXXXXXXX XXXX XXXX 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 2025-01-16 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: NC

Complaint narrative:
This was for a rental of a home for my mother. 
I contacted my bank ( XXXX ), I contacted Zelle and no one could help me, I tried for weeks to get help. I called and chatted with reps online and got no help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently conducted an in-depth review of my credit report, which led to significant emotional distress. During my investigation, I discovered several unverifiable, invalid, inaccurate, and questionable items that your agency failed to ensure were accurately reported.

Under the Fair Credit Reporting Act, all information on my credit report must be fully accurate. According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not being reported with 100 % accuracy. Please find attached copies of all the letters I have previously sent.

Company response to consumer: Closed with non-monetary relief
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I disputed a charge with Amex Travel because of a noise complaint I made with the hotel I stayed at that I booked through them. I went through about two months of disputing this charge after being told to do several different steps only to receive the same resolution every time. They basically said theres nothing we can do. The below letter is a letter I submitted to them regarding the incident. They still gave the same resolution. The 3rd party company they book through said I never contacted them to resolve the issue. When I asked Amex to connect me the 3rd party so I can dispute the charge they said they couldnt do that and I would have to dispute through them. Which I did and provided evidence to the contrary that I contacted the hotel about the noise complain one in person and second by a survey. It was a very unpleasant stay. I would never book through their travel agency again after this incident. The rewards and point are really not worth it. Please see below letter. I also have a copy of the survey the hotel said they never received as well. 

Letter to Amex : My wife and I arrived at the XXXX XXXX in XXXX, XXXX on Saturday XX/XX/year>. 
We had a very long and tiring day/trip to get there as we laid to rest for the night. The next morning ( XX/XX/year> ) we were woken up around XXXX XXXX  CEST to multiple doors opening and closing. Upon looking out of the room door we noticed housekeeping was beginning their cleaning of the rooms. We thought maybe this was an odd occurrence, so we decided to just leave for the day earlier than anticipated. On XX/XX/year>, we again noticed at approximately XXXX XXXX XXXX multiple doors were opening and closing very loudly, vacuums, cleaning of the other rooms could be heard, along with opening of supply closets on our floor we noticed upon leaving the previous day. We then got ready for the day, and I decided to stop by the housekeeping office, and I spoke with the housekeeping manager and made the noise complaint as I left for the day. The next day XX/XX/year>, we experience the same exact issue. I left a survey ( attached to the original complaint ) stating housekeeping was extremely loud early. Upon leaving early morning Friday XX/XX/year>, as I checked out of the hotel, I again requested information from the hotel about cleaning procedures and complained of the noise the make as guests are trying to rest. The front desk clerk simply smiled and thanked us for staying at the hotel. 
Overall, it was an extremely unpleasant stay at the hotel. Its an experience that will prevent me in the future for trusting Amex travel for my lodging needs should any resolution other than a complete refund of both charges be the outcome reached. Thank you for your consideration and investigating this matter.

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'm a victim of the XXXX 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. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Financial 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 TRANSUNION handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested TRANSUNION 'S method of verification several times back in XXXX XX/XX/XXXX, and as late as XXXXXXXX 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XX/XX/year> XXXX XXXX report me past due 30 days for 6 months, when there associate set up auto payments for my account. With may emergent things in the family and no contact from them I was unaware they were reporting this until after XX/XX/year>, when I got denied credit. I had a payment of XXXX set up on auto, they changed their system and never adjusted my payment. I was never late. Initially the company took the past due payment off only one credit bureau report and fixed the past due payments on my credit report. They adjusted the interest and late fees and sent me a letter stating they fixed this. We were in the process of moving and misplaced the letter. I have been denied credit and given high interest rates because of this reporting. When disputing this on the other credit bureaus they denied it. I made several calls and get no response or help. This has impacted my credit tremendously. We moved to XXXX  and this still keeps my credit score low. Please help. Thank you 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/2023 XXXX XXXX report me past due 30 days for 6 months, when there associate set up auto payments for my account. With may emergent things in the family and no contact from them I was unaware they were reporting this until after XX/XX/2023, when I got denied credit. I had a payment of XXXX set up on auto, they changed their system and never adjusted my payment. I was never late. Initially the company took the past due payment off only one credit bureau report and fixed the past due payments on my credit report. They adjusted the interest and late fees and sent me a letter stating they fixed this. We were in the process of moving and misplaced the letter. I have been denied credit and given high interest rates because of this reporting. When disputing this on the other credit bureaus they denied it. I made several calls and get no response or help. This has impacted my credit tremendously. We moved to XXXX  and this still keeps my credit score low. Please help. Thank you XXXX

Company response to consumer: Closed with non-monetary relief