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

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 postings 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: 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: IL

Complaint narrative:
XXXX and TransUnion refuse to remove incorrect information on my credit report. I filed and disputed identity theft multiple times and they keep denying my disputes and leaving the incorrect marks on my record. All of the hard pulls on my credit report are NOT me and inaccurate. A closed collection from XXXX XXXX  is NOT me. It needs to be removed as well. I have closed credit card accounts and store card accounts that are closed or delinquent. Those are completely inaccurate and must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  : # XXXX, XXXX  XXXX Bankruptcy : # XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: IL

Complaint narrative:
( 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: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In addition to complaint XXXX, I mentioned that I had to pay for all damages because my insurance company I was with at the time had dropped me because XXXX were being stolen and they felt they could not cover it. Additionally, it was hard for me to find insurance companies to cover the car because of the make that I had which led me to pay for all damages out of pocket both times the vehicle was stolen. I have tried the steering wheel lock but that just was not enough security. I believe that I nor my credit should suffer the consequences of a make of a vehicle being stolen across the XXXX and insurance companies not wanting to cover the vehicle because of that. If I am paying {$500.00} a month, I deserve to have a car that I can wake up the next to and not having to look out the window every XXXX minutes to make sure it's still outside

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I disputed XXXX finance account with Equifax, asserting that the information being reported was inaccurate as it is not my account. Despite my request, Equifax failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and failed to ensure that the information reported on my credit file was accurate as required by 15 U.S.C. 1681e ( b ).

Applicable Legal Standards Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable investigation of disputed items within 30 days of receiving a dispute.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports.

15 U.S.C. 1681c ( a ) ( 5 ) : If disputed information can not be verified, it must be removed from the consumers credit file promptly. 

Equifaxs Violation Equifaxs failure to adequately verify the XXXX account violates these provisions of the FCRA. Despite my dispute, Equifax has continued to report the INACCUARATE information, which suggests that no reasonable investigation was conducted. This failure to act in accordance with the law is unacceptable. 
The presence of this inaccurate information on my credit report has caused significant harm to my financial stability and personal life, including : Adverse credit decisions : Denials or higher interest rates for loans, credit cards, and other financial opportunities. 
Emotional distress : Stress, anxiety, and a loss of trust in credit reporting systems. 
Financial harm : Missed opportunities for lower interest rates on financial products, which has unnecessarily increased my financial burden. I have attached my license, my ID, a bill, my police report AND my identity theft report

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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On or about XX/XX/XXXX I began having difficulty with XXXX XXXX XXXX XXXX and could not get help with service for my home television system provided by XXXXCountless service attempts failed and was without service for XXXX months plus.I finally encountered an honest technician who advised of a lawsuit with XXXX XXXX XXXX and that the company wasn't able to resolve the service issue I was having.The XXXX XXXX said it was the equipment was not compatible in some areas and systems.I called on XXXX cancel my account and was told a supervisor would have to approve my cancelation.Spoke to ( XXXX ) and she agreed to have Supervisor contact me, however I advised her I was cancelling as of XX/XX/XXXX. I never received any contact from XXXX, even after multiple calls to them. 
I went into storefront to speak to supervisor for help and he said on next statement it shows account cancelled. My bill for XX/XX/XXXX was XXXXThe supervisor said the cancelation amount was adjusted to {$220.00} and that he mailed me an new payment notice which i have and provided to all parties to resolve and close the account. 
On XX/XX/XXXX I mailed check XXXX ( XXXX ) to XXXX as final payment..I sought legal counsel and was advised that XXXX often delays cancelling to keep account charges ongoing. 
After providing the letter of dispute, multiple copies of documents, proof of payment, sending Certified letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX finally removed the derogatory and false claim of debt from my Credit Bureau on XX/XX/XXXX. Eventually my credit profile was reported correctly and the matter resolved and closed. 
On or about XX/XX/XXXX XXXX XXXX XXXX ( according to a phone representative ) sold files of personal consumer information to Southwest Credit Systems, and my resolved and closed file was reopened and yet again derogatory Credit information was wrongly reported to the Credit agencies causing a XXXX drop in my Credit score. This has to be against all laws of Credit fairness and Consumer Prtection laws. I need help in bringing this matter to someone's attention, as I'm sure there are other consumers plagued by these predators.. 
If any of the documents are needed, I am happy to provide copies ( 100 % ) of the certified letters and proof of payment to the CFPB. Additionally I am sending copies of files again to the reporting agencies along with a Consumer Statement to each agency.Any help to bring these tactics to a close for me is appreciated. 
THANK YOU, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: 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 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 my lost funds was impossible and that tracking this transaction was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am being contacted by a debt collector with whom I have no prior agreement or credit relationship. I have sent two certified letters requesting proof of a contractual agreement between the debt collector and myself, as well as proof of their legal right to process and use my personal information. Both times, they responded with a bill from another company, which does not satisfy my request for validation.

I have also contacted the original creditor twice regarding this matter and have not received any response. The accounts in question were removed by the original creditor as a charge-off. Additionally, I requested a Form 1099-C from the original creditor for any canceled debt, but I have not received this document.

I am requesting the CFPBs assistance in resolving this matter, as my attempts to obtain proper validation and documentation have been ignored.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX I looked at my report. I sent a letter to experian, transunion and equifax on XX/XX/XXXX asking them to reinvestiagate these accounts : portfolio recovery twice XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XX/XX/year>, I applied for and received a XXXX from XXXX. Shortly after my approval and signing of the contract, it was transferred to Shellpoint Mortgage Service. Shellpoint required me to wait 60 days before I could access my HELOC, a condition that wasnt mentioned in my signed contract. I was informed twice that I could make withdrawals via check or electronic transfer starting XX/XX/XXXX. However, when I contacted Shellpoint on XX/XX/XXXX to confirm their services after the XXXX and to request an advance, I was told that I could only withdraw by check, which would be mailed to me and might take an additional 30 days to arrive. I don't believe Shellpoint operates legitimately, as their practices seem questionable. They have made it significantly harder for me to access my XXXX which was approved by a different company, effectively altering the terms of my original contract without notice. I want Shellpoint to honor the terms of my contract and make my funds available immediately by electronic transfer to check. Shellpoint has received payment by XXXX already this month, so it confuses me as to why they can not or refuse to give advances the same way.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I aggressively made $ 8000 monthly payment ins XXXX to payoff loan by XXXX of XXXX. 

My final payment was made on XX/XX/XXXX, but I was told I could only pay up to 95 % of the principle online. To pay off the load I had to request a payoff and mail cashiers check, or wire the funds. Mr. Cooper moved amount I paid as additional principle to " Unapplied Funds. '' On XX/XX/XXXX I received a payoff quote for {$1000.00}. On XX/XX/XXXX, I mailed a certified check for {$1000.00}. 

On XX/XX/XXXX I called customer service and told the check was not received and lost in the mail. 

On XX/XX/XXXX I sent a message through the online portal and stated I was going to the bank on Monday to put a stop payment on the check and wire the funds. 

On XX/XX/XXXX I sent a message through the online portal that it was going to take 90-days to get the certified check funds back, and that I would request another payoff quote my next payday to wire the funds. 

On XX/XX/XXXX I received a payoff quote for {$1200.00}, with {$1000.00} in " Unapplied Funds '' ( that was not applied to principle ), and a principle balance of {$300.00}. XXXX. Statements show Mr. Cooper apply funds to future payments in XXXX and XXXX of XXXX. 

On XX/XX/XXXX I put a stop-payment on the cashiers check and wired {$1200.00} to included additional daily interest per payoff terms past date of quote. 

On XX/XX/XXXX my banked called and said Mr. Cooper cashed the check, but show my loan paid off on XX/XX/XXXX. 

I am owed {$1000.00} in Unapplied Funds. 

I am owed {$1200.00} for cashiers check that was cashed after loan was paid off. 

I am owed {$920.00} for the over-payment of loan principle wire transfer. 

I sent a message to Mr. Cooper stating my records show they owe me {$3200.00} and to provide documentation if the depute the amount. I can not determine from the payment history where my funds went and how much is owed. I was told all funds would be returned by check within 20 days of the payoff on XX/XX/XXXX. 

I have received a " Payoff Refund '' check for {$110.00} and a " Payoff Overages Reg M '' check for {$930.00}. 

I still show approximately XXXX XXXX dollars owed to me by Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and TransUnion 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 XXXX, XXXX and TransUnion, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
XXXX, Equifax and 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 unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, Equifax and 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX TransUnion has failed to fulfill it's 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 XXXX XXXX TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX & TransUnion 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 & Transunion 's inaction violates 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 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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