vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
XX/XX/XXXX, I phoned XXXX XXXX to ask where the money from my matured CD was. It matured on XXXX XXXX, XXXX, and should have amounted to over {$100000.00}. They told me that they had mailed it on XX/XX/XXXX : I told them I had not received it, so they said they would reissue it and mail it to me again. 
XX/XX/XXXX, I still had not received the check, so I called again. They told me that it was sent on XXXX XXXX, and then they told me XXXX. ( three different mailing dates! ), so I asked again that they just overnight-mail it to me to resolve the problem, and supervisor " XXXX '' refused to do it, would have to " check into the facts, '' and talked about being " off tomorrow. ''

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Attention to experian consumer solutions XXXX XXXX XXXX I am attaching ftc and police report that yall keep saying yall didnt receive. I sent it on experiandisputes/upload, cfpb, XXXX  and certified mail.

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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have occurred.despite having sufficient funds when transactions where authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal credit unions for similar practices. Where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request and 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I recently reviewed my credit report and noticed that an account with XXXX has been reported. I would like to understand how this account was verified during the reporting process. 

Could you please provide information on the methods or documentation used to verify the account with XXXX? Any clarification regarding this matter would be greatly appreciated. 

Thank you for your assistance, and I look forward to your response. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope this message finds you well. I recently reviewed my credit report and noticed that an account with XXXX has been reported. I would like to understand how this account was verified during the reporting process. 

Could you please provide information on the methods or documentation used to verify the account with XXXX? Any clarification regarding this matter would be greatly appreciated. 

Thank you for your assistance, and I look forward to your response. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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, especially 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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/year>, XXXX XXXX allowed a deposit into my account. I called them to let them know that I did not do that and they allowed the bank to take that payment away from me because it was a fraud. Now I can not open a bank account with Chase Bank or any other until I pay them that amount that was put in my account by XXXX XXXX. The amount was XXXX dollars that I could not get their help for. So I'm out that amount if I want my checking account back. XXXX XXXX  was contacted numerous times concerning this but I never could get them to actually help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I open BMO checking account on XXXX. My spouse too open his new BMO checking account on that same day. On XXXX, I was trying to pay his credit card using my Bank account and it came as an authorization to my account. I was not able to use my account for transferring my funds and bill payments. I called Customer Service and they connected me with Fraud department as this account was put on hold. I explained this situation they told me to wait. They made this account to Credit Only which I'm aware my salary kept credited to this account. Which means Money can come to account but I can not take my money out! This is not explained to me. If explained I should have stopped my paychecks immediately atleast. Solution they gave me finally to add my spouse to my account. After back and forth long calls, finally the agent name XXXX helped us with adding my husband to account on XX/XX/XXXX. When I called fraud department again Agent spoke very rude can not assist and they dont see my husband added and hang up. Again I spoke to agent she said it will take 3-5 business days when I asked about my bill payments and Mortgage, she said she can take a note of those transaction and help clearing it. My XXXX mortgage payment went through on XX/XX/XXXX. My XXXX XXXX credit card payment came in and they rejected it saying its Frozen account! My XXXX XXXX credit card now charged me with Reversed payment fee XXXX $ and there is going to upcoming fees for Interest, late fees. And blocked my credit card as I dont do the payment. When I call your agent on Sun XXXX XXXX, it was told me they will help to resolve the issue and even connect with XXXX credit card department on Tuesday XX/XX/XXXX. On Tuesday when I called it was told to me same story about the account on hold. I explained them again on the bill payments that needs to go through but rejected. She connected to my XXXX department and the agent on the line was so rude. She said its not guaranteed we will approve your transactions and its a COURTESY!! She hang the call while I was speaking! 

Last 3 weeks I was undergoing this type of stress with opening a checking account with BMO, my credit card blocked, my billing payments all on due, can not use my money. And BMO saying they are doing as a COURTESY!

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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 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 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 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 XXXX XXXXXXXX. 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 # XXXX & # XXXX 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 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 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thrifty Motors Inc.
State: TX

Complaint narrative:
This Auto company Thrifty Motors Inc. sold me a Lemon car. I returned the car and stop making car payment XX/XX/2019 with no balance. This company later filed a Charge Off on this account for {$8200.00}. This account should have been closed on my credit report but Thrifty Motors Inc. falsely reported to the credit bureaus on my account. I do not owe this company any money because they received and kept the down payment amount, car payments, and received a voluntary return of the car. This company rip me off and wrongly reported my credit information to the credit bureaus. I have filed complaints to the FTC and State, Federal Agencies as a result of the action of this business. They have false information and accounts with my personal information that need to be deleted from their files. I have file a police report for Identity Theft by this company.

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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} These credit accounts are the results of identity theft and fraud.

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
CREDIT REPORT DISPUTE LETTER XXXX  DOB : _XXXX SSN XXXX XXXX Street Address : XXXX City, State, Zip : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing this letter to dispute the following information that appears on my XXXX credit report : Account number / Identifying information : XXXX Date associated with the disputed item : XX/XX/XXXX Explanation of the inaccuracy : The account is not mine. 
Thank you for your assistance in this matter. 
Sincerely, XXXX  XXXX  XXXX

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: CA

Complaint narrative:
To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications 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 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  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 of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. 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 American Dream, 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 Schools

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp closed my account with no warning or just reason and took my money. There is no way to contact a live person to resolve the issue.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol one took my money for my credit cards then closed my account saying they never received the money. An unauthorized account also popped on my account and I called to tell them that I didnt authorize this account nor put this account on mine and they still decided to close my account and charge me fees

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian did not investigate in a timely manner Not responded to my requests XXXX did not investigate in a timely manner. 
Did not respond to my requests

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this message finds you well. I recently reviewed my credit report and noticed that an account with XXXX has been reported. I would like to understand how this account was verified during the reporting process. 

Could you please provide information on the methods or documentation used to verify the account with XXXX? Any clarification regarding this matter would be greatly appreciated. 

Thank you for your assistance, and I look forward to your response. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX, GA 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief