vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
I recently received a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Request for Deletion of XXXX Account from My Credit Report Dear TransUnion , I am writing to formally dispute the XXXX account appearing on my credit report. Despite previous disputes regarding this account, I have been informed that thorough investigations were conducted. However, the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes raises significant concerns about the integrity of prior investigations. 

I want to make it explicitly clear that I have never opened an account with XXXX XXXX This account, which currently appears as closed on my credit report, is not valid. I am requesting that TransUnion provide proof of its legitimacy, including original documents, agreements, or evidence linking me to this account. If this account can not be validated in accordance with the Fair Credit Reporting Act ( FCRA ), I demand its immediate deletion from my credit report. 

The continued reporting of inaccurate information on my credit report is harmful and unjust. I expect TransUnion to address this matter with the utmost seriousness and conduct a comprehensive review. Additionally, I request written confirmation of the outcome of this dispute, including any changes made to my credit report. 

Thank you for your prompt attention to this matter. Please respond within the 30-day timeframe mandated by the FCRA. If you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, 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 2025-01-21 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: DE

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

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 2025-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
They refuse to provide full transparency and disclosure to me, the agent, for the principal. As the beneficiary and as XXXX, I gave a notice of subrogation and a cease to desist, deeming the contract to be fraudulently and void. I expressed how I was an XXXX and incompetent at the time of signing, under duress, coercion and forced into a fraudulent secondary contract. Demanding that all credits and payments made by the surety to be returned immediately by way of lawful funds. They have breached peach, unlawfully stole my assets and cause several injuries unto my estate. XXXX will always prevail. No man can serve XXXX masters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank is refusing to close my account since I can not remember my security word and have lost my ATM. Account has XXXX balance but monthly fees continue to accrue as I am unable to close the 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 monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Social Security Number ( last 4 ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX D.CXXXX XXXX Formal Dispute of Inaccurate Collection Account Request for CFPB Assistance, Including Identity Theft Concerns To Whom It May Concern, I am writing to file a formal complaint regarding an inaccurate and unverifiable collection account reported on my credit report by Equifax. The collection account was reported on XX/XX/XXXX, stemming from XX/XX/XXXX. Additionally, I am concerned this may be a case of identity theft and seek your assistance in resolving this matter.

Violations of the Fair Credit Reporting Act ( FCRA ) I believe the credit bureau, Equifax, has violated the Fair Credit Reporting Act under the following provisions : 15 U.S.C. 1681i ( 5 ) ( A ) Failure to provide adequate verification or delete the disputed collection account after being unable to verify the accuracy of the reported information. The law requires that information that can not be verified within 30 days must be deleted from the credit report.

15 U.S.C. 1681i ( 7 ) ( A ) Failure to notify me of the results of the reinvestigation process. I have not received any formal documentation from Equifax confirming the verification or outcome of their investigation.

Identity Theft Concern 15 U.S.C. 1681c-2 I am concerned that the reported collection account may be related to identity theft. Under 15 U.S.C. 1681c-2, if the information being reported results from identity theft, I am entitled to dispute it and request that Equifax take appropriate action to remove it.

Given this concern, I am requesting that Equifax verify the legitimacy of the account, investigate any potential identity theft, and ensure that no unauthorized accounts are being reported under my name.

Request for CFPB Assistance I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to ensure the compliance of Equifax with these FCRA provisions and identity theft laws. I am requesting that the disputed account be immediately investigated, verified, and removed from my credit report if it can not be proven accurate. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Social Security Number ( last 4 ) 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: MN

Complaint narrative:
I am filling a complaint about Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices which violates the CFPA. Specifically, Cash App fails to protect my account from fraudulent charges which happens continuously and the customer support has done nothing to help me resolve this issue. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: AK

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense XXXX and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I disputed the length of time an item is supposed to remain on my credit report. Each time I filed a dispute, the items date changed, extending the reporting period. Experian, XXXX, and XXXX all show different dates for the same items ( XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ). The length of time an item remains on my report is based on the Date of First Delinquency ( DOFD ), which should not change. In this case, illegal re-aging is a violations of my consumer rights.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app bank allowing pending transactions to go through even after filing complaints against scammers

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: MA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices. 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon checking my credit file I noticed an address that I never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. The information is inaccurate, and I would like it removed from all credit reporting agencies including Experian and 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one bank had XXXX inquiries show up on my report contacted capital one said they didnt show any recent inquiries on my report but have XXXX from them trying to get removed

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: WI

Complaint narrative:
I am 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing a report against Experian for the failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating account is accurate, without providing any evidence of a inorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate : XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account 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 card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX I called Citibank XXXX XXXX card support to learn how to set up XXXX to pay off my revolving balance in full every month while applying minimum payments to promotional 0 % interest balances. I was advised that the only way to do this would be to make a manual payment called " minimum payment to avoid interest '' every month, with no option to apply this automatically every month. A supervisor ( XXXX ) advised me that this was expected behavior and that I have to call in or issue a manual payment to avoid interest. This is a predatory behavior as if I miss a payment, they will charge me the full interest amount as I will be in default. They are counting on consumers forgetting to make a manual payment to make interest charges, and dishonestly remove the " minimum to avoid interest '' option from their autopay options.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of CFPBs 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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about customer safety.

Company response to consumer: Closed with explanation