vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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:
Beginning XX/XX/year>, XXXX XXXX started charging a monthly fee for {$3.00} on my XXXX XXXX. My balance remains at a {$0.00} and is due on the XXXX of each month. On the XXXX, the billing cycle ends, the {$3.00} fee is charged and my balance is reported to the credit bureaus all on the same day. As of XX/XX/year>, every month my credit report shows my credit utilization raises due to my balance increasing. This has affected my credit negatively. There is no way for a consumer to be able to pay their bill on the XXXX and have the payment post before it is reported to the credit bureaus on the XXXX. I tried to pay the $ XXXX monthly fee in full for the year to avoid this year but the website does not allow payments that exceed the current balance. A supervisors suggested the same thing but then confirmed with someone else that it was not possible. The reps do not seem to understand how credit works or how to avoid this issue and refuse to change the date that credit reports are updated or change the billing cycle or due date. The protocol is contradictory to their billing statements that mention credit reporting. I have attached copies of billing statements showing how the bills are due on the XXXX and the {$3.00} is charged the next day and and another attachment showing the alert I received from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Beginning XX/XX/year>, XXXX XXXX started charging a monthly fee for {$3.00} on my XXXX XXXX. My balance remains at a {$0.00} and is due on the XXXX of each month. On the XXXX, the billing cycle ends, the {$3.00} fee is charged and my balance is reported to the credit bureaus all on the same day. As of XX/XX/year>, every month my credit report shows my credit utilization raises due to my balance increasing. This has affected my credit negatively. There is no way for a consumer to be able to pay their bill on the XXXX and have the payment post before it is reported to the credit bureaus on the XXXX. I tried to pay the XXXX XXXX  monthly fee in full for the year to avoid this year but the website does not allow payments that exceed the current balance. A supervisors suggested the same thing but then confirmed with someone else that it was not possible. The reps do not seem to understand how credit works or how to avoid this issue and refuse to change the date that credit reports are updated or change the billing cycle or due date. The protocol is contradictory to their billing statements that mention credit reporting. I have attached copies of billing statements showing how the bills are due on the XXXX and the {$3.00} is charged the next day and and another attachment showing the alert I received from 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 2025-01-18 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: FL

Complaint narrative:
Constant overdraft fees, Even after I notified the bank to stop payment, they still keep processing the payment, sending it back and charging me overdraft fee..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 XXXX. 
XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Unresolved Credit Dispute Regarding Inaccurate Information I am filing this complaint regarding an unresolved credit reporting dispute with XXXX, XXXX, and XXXX concerning inaccurate and unverifiable information reported by Credit Acceptance on my credit report. 

On XX/XX/XXXX, I sent a debt validation request to Credit Acceptance via certified mail, requesting proof of the validity of this debt. Under FCRA Section 609 ( a ) ( 1 ) and Section 611 ( a ), I have the right to request and receive verification of disputed information. Credit Acceptance failed to respond to my validation request within the required timeframe. 

On XX/XX/XXXX, I filed disputes with XXXX, XXXX, and XXXX, requesting an investigation into this account based on its unverifiable and inaccurate status. Despite my efforts, the account remains on my credit report with no supporting evidence provided by Credit Acceptance to verify the accuracy of the information. 

The account in question is : Creditor Name : Credit Acceptance Account Number : XXXX Violations and Concerns : The credit bureaus continue to report inaccurate and unverifiable information, which violates FCRA Section 611 ( a ) requiring reasonable reinvestigation. 
Credit Acceptance failed to validate the debt upon request, in violation of FDCPA Section 809 ( b ). 
The failure to validate or remove this account has negatively impacted my creditworthiness, resulting in denied financial opportunities and unnecessary stress. 

I am requesting that the CFPB investigate this matter and require XXXX, XXXX, and XXXX to : 1. Conduct a thorough reinvestigation into my dispute.

2. Remove the unverifiable/inaccurate information reported by Credit Acceptance from my credit file.

3. Provide a written confirmation of the corrective actions taken. 

I have attached the following : A copy of my debt validation request sent to Credit Acceptance ( dated XX/XX/XXXX ). 
Proof of mailing ( certified mail receipt ) for the debt validation letter.

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing this 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 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 Electric Fund Transer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: AZ

Complaint narrative:
Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within four business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
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 XXXX XXXX XXXX XXXXXX/XX/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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Unauthorized transactions happened, when attempting to contact CashApp there was no number to call or live agents to speak to about this. The company requested to send the complaint through email and never received a response or my money back from those unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to propery 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. These are the accounts that I marked inaccurate 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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, 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 2025-01-18 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. Ss 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
Basically I was scam on Zelle for a good and service purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Additionally, I am referencing the CFPB 's recent enforcement action, CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, as further evidence of Equifax 's pattern of inadequate compliance and improper investigations. I sent multiple dispute letters to Equifax requesting corrections and investigations regarding inaccuracies on my credit report. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. 

Despite my efforts, Equifax failed to : 1. Conduct reasonable investigations ( 15 USC 1681i ( 5 ) ).

2. Accurately report and maintain consumer credit information ( 15 USC 1681e ( b ) ).

3. Ensure proper handling of information furnished by creditors ( 15 USC 1681s-2 ).

4. Remove obsolete information as required ( 15 USC 1681c ( c ) ). 
The CFPB recently ordered Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors. This enforcement action supports my claim that Equifax has engaged in a pattern of non-compliance and negligence when handling consumer disputes. 

Due to Equifaxs failure to address these issues, I have experienced the following : Denial of credit. 
Higher interest rates on loans and credit cards. 
Emotional distress caused by the inability to resolve inaccuracies on my credit report. 

I request the CFPB to : 1. Investigate Equifaxs handling of my dispute letters.

2. Ensure Equifax complies with all applicable provisions of the FCRA.

3. Provide remedies for the harm caused by Equifaxs non-compliance.

4. impose penalties, if necessary, to prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CO

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 the transactions were authorized. I was charged fees due to lagging in posting 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 having 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 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
Case # XXXX XX/XX/year> Hello Hope this message finds you well My name is XXXX XXXX XXXX am being sued by XXXX XXXX XXXX i have no knowledge of this account in fact it has been deleted from my credit report i have attached documents of my credit report for you to view I hope this matter will be cleared up thank you for your time in reading my message and any help or guidance you may offer they are trying to extort {$1500.00} from me Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Division XXXX XXXX XXXX ; Section : XXXX XXXX ; Court Location : XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Tromberg, Morris & Partners, PLLC Mailing Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Local Phone : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Block, Inc.
State: MO

Complaint narrative:
When disputing charges I was either ignored completely and ended up with products that I didnt approve of and couldnt cancel in time. Through using XXXX as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 21.8K financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
MY INFORMATION WAS EXPOSED IN A DATA BREACH 15 U.S.C. 1681 is the section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA governs how consumer credit reports are accessed, and how consumer information is handled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I applied for a line of credit online.through creditfresh, It gave a vague, and confusing explanation of the fee schedule, a lot of that information was withheld. 

It provided a breakdown of your biweekly payment amounts based on the amount you advanced. 

I took out {$2500.00}, my first payment was {$110.00}. Their website showed my balance went from {$2500.00} to a little over {$2700.00}. I was in shock. I called the company and they told me my biweekly payment is {$160.00}, which if there are three payrolls in the months, you make three payments. So payments are ranging from a little over {$300.00} to {$500.00}, of those biweekly payment {$25.00} goes to the principal and the rest to interest. That means, unless I make extra payments, literally nearly all of my payments go to fees, my balance would continue to increase indefinitely. 

There would be absolutely NO way to ever pay this off. Unless I had {$2500.00} sitting around, or more. I have never in my life had a laon that took advantage such as this company. They are worse than pay day loans, and are sneaky hidding the fees. I told them if they did jot negotiate those fees, I will not continue to make any payments, as this is a prime example of predatory lending. 

They refused to negotiate or lower the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MN

Complaint narrative:
My information was stolen from the hack of XXXX XXXX people and would like all of negative reporting removed from all 3 of the major credit bereaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MN

Complaint narrative:
My information was stolen from the hack of XXXX XXXX people and would like all of negative reporting removed from all 3 of the major credit bereaus.

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capitol One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has technical issues and vendors 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