vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Request for 1099-C Form and Correction of Credit Reporting Errors Greetings XXXX, I hope this letter finds you well. I am writing to formally request that XXXX XXXXXX/XX/XXXX issue a XXXX form for the account referenced above ( Account XXXX ), which was charged off on XX/XX/XXXX for the amount of {$3700.00}. This debt has since been sold to XXXX XXXX XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), creditors are required to provide a XXXX form for any debt that has been canceled or forgiven. Failure to do so not only hampers accurate tax reporting but also violates these regulatory requirements. 

Moreover, it has come to my attention that this account, despite being charged off, is still inaccurately reported to the XXXX major credit reporting agenciesExperian, XXXX, and TransUnion. I mailed this letter off on XXXX XXXX and asked for the XXXX XXXX responded by sending my credit statement. This constitutes a breach of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and up-to-date. 

In light of these issues, I request the following actions be taken within XXXX business days : Issuance of Form XXXX : Please send me a completed XXXX form for this account so that I can use it for my tax records. 

Correction of XXXX XXXX : Immediately address and rectify any inaccuracies related to this account with XXXX, XXXX, and TransUnion. This should include updating the status of the account to reflect the charge-off accurately or removing the account from my credit files if appropriate. 

Please be advised that failure to comply with these requests within the specified timeframe will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further action to protect my rights. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for XXXX Form and Correction of Credit Reporting Errors Greetings XXXX, I hope this letter finds you well. I am writing to formally request that XXXX XXXX Credit Card issue a XXXX form for the account referenced above ( Account XXXX ), which was charged off on XX/XX/XXXX for the amount of {$3700.00}. This debt has since been sold to XXXX XXXX XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ), creditors are required to provide a XXXX form for any debt that has been canceled or forgiven. Failure to do so not only hampers accurate tax reporting but also violates these regulatory requirements. 

Moreover, it has come to my attention that this account, despite being charged off, is still inaccurately reported to the XXXX major credit reporting agenciesExperian, Equifax, and XXXX. I mailed this letter off on XXXX XXXX and asked for the XXXX XXXX responded by sending my credit statement. This constitutes a breach of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and up-to-date. 

In light of these issues, I request the following actions be taken within five business days : Issuance of Form 1099-C : Please send me a completed 1099-C form for this account so that I can use it for my tax records. 

Correction of XXXX XXXX : Immediately address and rectify any inaccuracies related to this account with XXXX, Equifax, and XXXX. This should include updating the status of the account to reflect the charge-off accurately or removing the account from my credit files if appropriate. 

Please be advised that failure to comply with these requests within the specified timeframe will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further action to protect my rights. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I'm XXXX, I received a letter stating to freeze my accounts because someone was commiting identity theft in my SSN. So I froze all three. When I moved to Arkansas in XXXX, I forgot the letter to unfreeze the accounts. However, I have unfrozen my XXXX and XXXX with ease. 

Experian will not unfreeze my account. Everytime I try, the company doesn't know who I am or the company website doesn't work after providing information. I'm trying to get a home and everything goes through EXPERIAN.

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 2025-01-17 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions.equifax consistently responds within 24 hours stating the account is accurate.without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( fcra ) .15u.s.c 1681 which mandates a reasonable of disputes.futhermore Equifax actions may also contravene the consumer financial protection act ( cfpb ) 12u.s.c 5536 ( a ) ( 1 ) ( a ) - ( b ) .as highlighted in the cfpb recent administration proceeding ( file XXXX ) against them for similar violations.i request that the cfpb take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: GA

Complaint narrative:
I have concerns about Zelle processes for disputes.Since the CFPB brought up huge issues with the platform, my institution has not investigated and Zelle did not investigate either. The findings of the CFPB shows that Zelle failed on multiple occasions to cover consumers from being exploited and open to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: MI

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 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 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cash App failed to take time and effectively 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 2025-01-17 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts I have found to be inaccurate- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Amex- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer services and unfair practices I tried contacting them multiple times no action was never taken 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. 

XXXX XXXX {$140.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$930.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was supposed to be paid yesterday but capital one hasnt posted my funds it s been 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My check was supposed to be deposited on XX/XX/year> in checking account and has not been deposited. Capital One has been down for 3 days and failed to notify customer until last night. Then sent a email with lies stated that they would deposit money the next day in the morning and failed on that now states they do not have a time frame on when they will deposit payroll checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 2025-01-17 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: NC

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against XXXX, Equifax, and XXXX for not properly investigating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused insignificant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TX

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 issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I 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 2025-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
I purchased a vehicle through XXXX. Bridgecrest was introduced as my service provider for my auto loan. The vehicle began having issues soon after purchasing and needed several high dollar / extended time in the shop. My employment as a XXXX XXXX  was impacted significantly by the issues with the car and I fell behind on my payments. The vehicle want up for repossession and was ultimately marked as charged off/ profit & loss on my credit. The total amount due on the car is way more than the car is valued at. The loan came with a ridiculous interest rate, that I needed to accept at the time of the XXXX. I made 21 payments and with the cars mechanical issues I subsequently missed a lot work and employment opportunity. Even after making XXXX payments on the vehicle the loan balance remained the same. 
This vehicle was sold deceptively ( by XXXX ) by failure to disclose vehicle condition, fraudulent advertising & providing false representation to a consumer by bogus XXXX XXXX  and manufacturer warranty information. I feel taken advantage of all the way around with this purchase. It has caused significant financial strain. 

After consulting with an attorney regarding my options with the vehicle purchase / deceptive business practices, I was informed of another issue. 

* It appears that the interest rate charged to me by Bridgecrest XXXX XXXX is in violation of the DE Code 2304 and charged me a higher interest than permitted by Delaware law. 

* Additionally the transaction record statement I was provided by Bridgecrest on XX/XX/year> conflicts with what they have reported to the Credit Bureau on my behalf. Bridgecrest financial records are not accurate, contradictive and damaging to my credit and financial wellbeing. 

I am seeking remedy in this matter as I am owed a vehicle title, monies owed for violating Delaware usury law in addition to being sold a vehicle under deception. 

I am within the Statute of limitations regarding my complaints ( both the usury on the interest and consumer fraud claim. ) I would like to see if we can come to an agreement with this issue. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their high-yield interest savings account accounts. Capital one misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated customer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth and savings act. I seek redress for the misleading practices and failure to fulfill their advertise promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 ( 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I scammed out of my car payment money. I was so hurt because I had just got my pay check and she said I could get more back everybody was saying she was legit and Im a kind person. Never have i ever thought that could happen to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
XXXX refuses to actually investigate errors on my credit report. They do not investigate and keep denying my dispute. I have tried being patient but they are violating my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit bureaus must investigate the items you dispute and correct any inaccuracies found in your credit report.

Company response to consumer: Closed with non-monetary relief