vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OR

Complaint narrative:
Cash app decided to close and block my accounts due to fraud, terms and agreement. When in fact there was no fraudulent activity on the account only purchasing XXXX presents at a fair and transferring money to my daughter. After numerous tries for them to rectify and show me what is fraudulent they have stopped communicating with me. I also use this for my business and because of the block am now losing money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair credit reporting act fcra to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the consumer financial protection bureau cfpb has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward customer consumer provided evidence to furnishers accepting unrelatable responses and failing into adequately notify consumers of disputes outcomes these failures align with my experience where experience has neither corrected or removed or amend the disputed accounts as Experians 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I'm a concern citizen regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 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 us costumers vulnerable to scams.

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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
The company, Capital Bank One has held funds sent to an account that was incorrect and not for the specific transaction originally intended. The account owner has acknowledged this and requested the funds be returned to us, the company that sent the wire transfer. Capital One Bank has held these funds, {$100000.00} for five ( 5 ) weeks and will not communicate. The bank that was used to send the funds XXXX XXXX issued a Recall Request and Capital One Bank declined.

It seems like the bank, Capital One Bank is stealing the funds, especially with the current FTC lawsuit for fraud involving consumer savings accounts. Capital One Bank is an out of control criminal fraud organization it seems like.

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: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A 30-day late payment is inaccurately reported for XX/XX/XXXX across XXXX, Experian, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record. 
3. Inconsistent Reporting : Experian and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report. 

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations. 
Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA. 
Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, 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: 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: AL

Complaint narrative:
XXXX 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 resolved. The Consumer Financial Protection Bureau ( CFPB ) has recent filed a lawsuit against XXXX, 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 XXXX 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 XXXX inaction violates federal law and my rights as a consumer.

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 — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted what I thought was leasing agency that a property owner sent me to schedule a tour for an apartment I was interested in the leasing agency had what looked to be a legit email n website linked and stated I need to pay a temporary deposit for the background check and tour of the home since everything would be done that day of the charge was for {$190.00} to a XXXX XXXX. Once I sent proof or XXXX they had blocked me then never heard back from them. I contacted my bank Wells Fargo to report a scam that was made through XXXX and would like to report it and try to get my money back, they stated that there was nothing they could do to get the money back as stated on the app once XXXX transaction is made it is final, I asked for HR number and was told it is on their website and I could access it myself I asked for their fraud team and they stated they could transfer me but they wouldnt be able to do anything since XXXX gives a warning for scam and fraudulent transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my account without warning or explanation, leaving me unable to access the $ XXXX balance in my account. Despite repeated inquiries, I have not received a check or any clarification about the status of my funds. This lack of communication and failure to return my money is unacceptable. I request an immediate investigation, a detailed explanation, and the return of my funds.

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

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One back has not posted payroll direct deposits to my accounts. They are giving no updates or an ETA on a resolution to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I initiated a fraud report with Chase around Tuesday, XX/XX/XXXX, for the following three ( 3 ) transactions which occurred on XX/XX/XXXX by XXXX XXXX XXXX - {$7.00}, {$28.00}, and {$180.00}. Please note, three ( 3 ) separate transactions - From small, medium, and large. I do not recognize nor recall going to an establishment called XXXX XXXX XXXX  '. Please note, this was for my Chase Credit Card which I pay an annual fee on and has an ( EMV ) chip. I learned after I initialed a fraud report that XXXX uses what is called XXXX XXXX - Which develop, supply and support a suite of digital payment solutions that enable merchants to accept card payments, digitize transactions, and sell online. Thus, this can be used as a 'Cell Phone Credit Card Reader '. I also spoke to two ( 2 ) separate Chase Fraud Specialists- One ( 1 ) on Monday, XX/XX/XXXX and a second ( XXXX ) on Thursday, XX/XX/XXXX, and requested to speak to a Fraud Reviewer, but was denied. I continue to state that once I provide my chip embedded credit card to the merchant/employee, I do not see what they do with it - When they hold on to it and/or take it back for payment processing. In addition, I requested the Internet Protocol address ( IP address ), location, time, date, and name of the business of the transaction, but was denied. Furthermore, I sent a Chase Secure Message around XX/XX/XXXX, and a Chase email on XX/XX/XXXX with images that XXXX has known fraud related transactions. Finally, one ( 1 ) image/screenshot I sent was that of the BXXXX XXXX XXXX  XXXX which has XXXX listed in their XXXX XXXX XXXX. Chase continues to deny my fraud transactions because they state that I presented the chip card by hand so it is a valid transaction. Please note, again, I have no control over what an employee and/or company does when they take my credit card for payment.

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

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 platforms. 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 CFBP '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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CADENCE BANK
State: TX

Complaint narrative:
Since aroun XXXX XXXX on XX/XX/XXXX, I have not been able to access my checking account online or via my mobile app. On XX/XX/XXXX I called my bank branch to ask what was happening, they told me a third party vendor of theirs was experiencing issues and there is no timeline of when the issue will be resolved. I went to my bank branch to try and withdraw funds and was not allowed because even the bank tellers can not access the funds in my account. I have bills due and necessities. I need access to my own money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Chexsystems has received a dispute and has been provided with additional information pertaining to disputes and they refuse to respect the rights of U.S Citizens. I have provided the proof in an attachment that Chexsystems violated my consumer rights by sending me verification information pertaining to these accounts at the same time they were receiving notices of fraudulent accounts from XXXX. Chexsystems is also doing sham investigations similar to XXXX and should be included in lawsuits from the CFPB as well. They have also received correspondence confirming my communication with XXXX and the account being fraudulent directly to them as well. The letter I received from them today confirms the fact that they are not doing any real investigation and their investigation process mirrors that of XXXX. If they were doing any real investigations, the accounts would have been deleted a long time ago. They have violated 1691b along with a list of other laws pertaining to investigations and accuracy.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: SC

Complaint narrative:
I have disputed this company multiple times stating that the account is not mines and to send me proof that it belongs to me I even called the company and they stated that they would remove it from my credit files they have not done so yet every time I dispute it they keep it remained on my file stating the account is correct but have not shown proof of it being correct or mines

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: NJ

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 CFBB 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request a written response from Equifax, submitted through the CFPB portal, outlining the steps that will be taken to escalate and resolve my dispute regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX account ending in XXXX aka XXXX. Please reference CFPB complaint # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes and ensure the accuracy of the information reported. Additionally, under 15 U.S.C. 1681s-2 ( b ), data furnishers are obligated to conduct a thorough investigation and provide written documentation to verify the accuracy of the information they supply. In this case, the furnisher of the data has failed to provide the required documentation, and Equifax has failed to take appropriate steps to address the inaccuracies in compliance with the law.

I also invoke my rights under 15 U.S.C. 1681c-2, which provides protections for the removal of inaccurate or unverifiable information. Given that the furnisher has not provided documentation to validate the account, Equifax is legally required to delete the disputed information from my credit file. 

The continued reporting of this inaccurate information has caused significant stress and hardship, preventing me from securing credit or financing. XXXX failure to ensure compliance with the FCRA exacerbates these issues and violates my rights as a consumer.

Company response to consumer: Closed with non-monetary relief