vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, more specifically 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 also has 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices violating the Customer Financial Protection Act ( CFPA ). Specifically, CaspApp 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 the 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC

Complaint narrative:
On XX/XX/year> I willfully joined in an agreement with XXXX homes to purchase a home XXXX XXXX XXXX XXXX XXXX XXXX. I received a preapproval for the loan by XXXX XXXX XXXX XXXXXXXX XXXX as the loan XXXX. XXXX XXXX at XXXX realtor is my realtor. I spoke with XXXX many times regarding my closing cost because I needed to get an understanding if I will owe anything. XXXX told me multiple times that I would not owe anything in fact that I would be receiving money back. My loan closing disclosure changed XXXX times and when I address XXXX telling him that I could afford high closing cost. XXXX assured me again that I would receive money back and would not owe any money regardless of what the closing disclosure says. XXXX had many excuses and did not thoroughly explain the fees and why the fee exist. Also I advised XXXX that I did not want to pay any points on the loan. I different financial XXXX advised me that I was bringing charged {$2000.00} I. Additional fees for the loan interest rate. I did not agree to this. I had my realtor XXXX XXXX reach out to the Builder to ask if I could switch to a different lender because the current lender I am using I am not confident in the numbers and feel that Im being taken advantage of. XXXX at XXXX homes stated that I could not. So I tried to resolve the matter with XXXX but the same behavior continued. XXXX advised me again that I would pay any additional money besides the {$5000.00} earnest money that I put down on the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have received a copy of my credit report from Experian that currently still show inaccurate information. I have sent XXXX requests to Experian for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from Experian states that alleged public record verified per data furnisher. Experian have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I demand you to remove this item below : XXXX ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date 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 2025-01-23 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: MI

Complaint narrative:
Experian has failed to meet 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. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward evidence provided by consumers to furnishers, accepting unreliable responses, and inadequately notifying consumers about dispute outcomes. These systemic failures mirror my own experience, as Experian has not corrected or removed the inaccurate information from my report despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year>, I, XXXX XXXX, after a few years out of the country returned and now am trying to regain access to my Experian create report to wear I prior had no account or relationships with to find someone else has opened a membership and now I am having a hard time getting in touch with a real person at Experian to sort this matter out

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 and. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) Regulation E. These actions has caused significant inconvenience and financial loss I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
I requested XXXX mortgage forbearance through the CARES act for my Section XXXX HUD mortgage XXXX That began starting on XX/XX/XXXX and I resumed making my scheduled mortgage payments of {$1200.00} every month, on-time, since XX/XX/XXXX. Every month when I make my payment, I ask to leave the loss mitigation XXXX forbearance and I'm told that someone has to call me in order to do that. I ask for a number, or contact information and nothing is provided. I'm just repeatedly told that this is normal and that I'm on a " list '' and that someone will contact me. 

This has been ongoing for years now and on XX/XX/XXXX, Mortgage Clearing Corp reported me as for missing payments from my forbearance program, although I have continued to make every payment on-time since I resumed making payments on XX/XX/XXXX and I'm not given any options to resolve the mortgage forbearance. 

I continually request to make the payments per the terms of the original mortgage loan and extend the loan maturity date out to cover the missed payments. It is my understanding that this is an option as provided under the CARES act in the form of an interest free additional loan that covers the amount missed during the XXXX forbearance. 

Mortgage Clearing Corp has now devastated my credit score and it is my understanding that I am protected from negative credit reporting from the CARES act. 

I desperately need help dealing with this mortgage lender, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: VA

Complaint narrative:
My information has been sold to a third party to collect a debt without my permission. They have my date of birth, previous addresses, and social security number and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
So I was supposed to have my capital one card delivered to me on XX/XX/year> it has not come also my state I.d card was supposed to delivered XX/XX/year> and my XXXX XXXX card was supposed to be delivered XX/XX/year> now in my informed delivery mail shows all this cards where coming to my home but I never got them. Now a check from XXXX treasury for my father estate was supposed to be delivered to me on today XX/XX/year> and I got some of the mail but the estate check was not delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.

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 2025-01-24 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
I want reported accounts removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
In XX/XX/year>, merchandise was repossessed by North State Acceptance, and the account was charged off with an unpaid balance reported as a loss. However, the invoice from that time shows the correct balance as {$1600.00}, while my credit report reflects a balance of {$7200.00}. I am disputing this discrepancy and requesting that the account balance be updated to align with the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed con-summer contract-any and all accounts you posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verification Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the unable to provide me a copy of verifiable proof, you must remove the accounts listed below. remove all negative reporting on this XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I sent in tender letter to be added to the application on file for the principal with instructions for performance under federal code sec 16.1 and 16.2. The company has refused to comply.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc.
State: OH

Complaint narrative:
I received a notice from my mortgage company, Click n ' Close, dated XX/XX/XXXX that I had an escrow surplus of {$220.00} and would receive a refund by check within 30 days. I did not receive a check, so I called the company and was told the check was mailed and that they would cancel it and reissue another check that should arrive to me in 7-10 business days. I did not receive a check, so I called again. They assured me the check had been reissued and I would get it, to be patient. On XX/XX/XXXX, I still had not received a check and called again. After being on hold repeatedly for more than 30 minutes, I was told once again that a check was coming. On XX/XX/XXXX I called once again, having still not received a check. This time I was told if the check was not in my mail by XX/XX/XXXX to call back and they would get my banking information and deposit the surplus directly to my account. I did not receive a check, so I called again on XX/XX/XXXX and gave them my banking information. They said the would be deposited to my account by XX/XX/XXXX. The deposit NEVER happened. So, I once again called on XX/XX/XXXX and requested repeatedly to speak to a manager but was denied and told that the funds were scheduled to be released to my account by XXXX XXXX XXXX  XX/XX/XXXX and that I needed to wait at least 72 hours for the deposit to show in my account. No deposit was made to my account. On XX/XX/XXXX, a check dated XX/XX/XXXX came in my mail. I deposited the check through my ATM. On XX/XX/XXXX, the check was rejected by my bank because it had been cancelled by Click n ' Close. It is now XX/XX/XXXX and I still have not received the funds for my escrow surplus. My account is current and there is money in my escrow account. I have lost trust and faith in this company at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their obligations to account holders.

Company response to consumer: Closed with explanation