vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: AR

Complaint narrative:
I am writing to file a complaint with 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 postage of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions was settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation on 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-20 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the 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 final lost, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was looking on XXXX for a rental. After inquiring about some homes, I was contacted via email and text by a person claiming to be named XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX He sated that he was the home owner and that I could go take a look at the home anytime between XXXX XXXX XXXX XXXX XXXX I went to see the home at XXXX and shortly later and I submitted an online application. After my application was approved. I signed a lease. That same day. I then sent a refundable security deposit of {$1700.00}. On XX/XX/XXXX I asked to view the home again. I was then told that the lock was deactivate until. I became the registered user because the assess code had been given out to to many viewer. I was told when I paid the total move-in cost the lock would be reactive. I sent another on XX/XX/XXXX {$1700.00}. Then I was told there was an hoa fee of {$1000.00} on XX/XX/XXXX that would be refunded on the same day. I sent that too. Still, no access. I was later told another {$500.00} was needed. I concluded that I was being scamed. I checked with the assessors office to verify the registered owner which was the business name the scamer gave me. I assume that Zelle used the same business practices as my bank since I used Zelle via my bank. Once I was unable to gain access to the home I attempted to send a Zelle request for the return of my {$3400.00}. The Zelle account was gone. This was.in a matter of 7 days. Zelle makes it easy for scamers to activate and them deactivate accounts leaving consumers to fit the bill of there poor business practices. I use zelle with my bank. I can not set up scam with out providing and verifying my identity. This way, I can and will be held liable for missuse. Zelle by passes these checks so that scamers have access and the ability to scam the American public. They should be held liable for their poor business practices. They use financial institutions to create an illusion of a legitimate business when in fact they are a crime ring. They make the practices so easy for criminals to utilize them as a money tranfer system and they don't even attempt to track where the funds are going or create any system of accountability with those who use there business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
I have requested for this company to correct and investigate what I believe is an error on my credit report. And did not get any response from the company to let me know that has been verified. I also requested to remove any negative item and requested to send me a verification but no response as well.

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 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Financial Aid Network, LLC
State: AZ

Complaint narrative:
After I received my degree for XXXX  I couldnt find a job right away. Plus I got XXXX  a few months later after XXXX as well and had health issues during the XXXX. Then after delivering my son, I got XXXX  again almost immediately after. My husband and I decided after we found out I was XXXX the first time that I would become a stay at home mom due to my health issues and cost of daycare. When I did try to work my way into the industry of XXXX, the wages were only minimum wage and I couldnt afford to pay the bills nor could I keep up with my student loans still. I have been a stay at home mom since and have had more health issues arise causing me to be unable to pursue a career In XXXX  to pay off my student loans.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield XXXX XXXX XXXX XXXX XXXX XXXX Debt ValidationRequest XXXX To whom It May Concern I am writing in response to my credit report, in which you allege that I owe a debt .Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of fees, interest, and other charges.

3. Proof that you have the authority to collect this debt on behalf of the original creditor.

4.A copy of any signed agreement or contact that indicates I am responsible for this debt, 5.The date of the original debt and the date of the last payment made.

6. Evidence that this bedt is not time barred under my State 's statue of limitations.

in accordance with federal law, I request that all collection efforts cease until this information is provided. Any reporting of this debt to credit reporting agencies during this time would be considered a violation of the FDCPA. 

Please respond to my request in writing within 30 days from the date of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against CashApp due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 and Regulation E. These actions have cause significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i am filing a complaint with the CCFPB regarding capital one, s 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 ( EFTA ) as it require timely access to funds. This situation raises concern about customer 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 2025-01-20 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding the way Zelle handles disputes. Particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle many times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Complaint for Violation of FCRA and Demand for Immediate Removal of Reinsertion Account Dear CFPB, I am filing a formal complaint against EQUIFAX for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically the reinserted account listed below. This account was previously deleted from my credit report, and I am now demanding its immediate removal due to violations related to the reinsertion of the account without proper verification or notification. 

Account Information : 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, I disputed an account with EQUIFAX due to inaccurate information. After a thorough investigation, EQUIFAX removed the account from my credit report on XX/XX/XXXX, confirming that " the disputed item is not currently reporting on the equifax credit file ''. I have attached proof of this notice. 

However, I discovered on XX/XX/XXXX, that the same account was reinserted into my credit report. This reinsertion occurred without any proper certification or written notification of the accounts accuracy and completeness, as mandated by the Fair Credit Reporting Act ( FCRA ) under Section 611 ( a ) ( 5 ) ( B ).

FCRA Violations : Violation of Section 611 ( a ) ( 5 ) ( B ) - Reinsertion of Disputed InformationThis section prohibits the reinsertion of deleted items unless the information provider certifies that the information is accurate. EQUIFAX failed to provide such certification, which constitutes a violation of my rights.

Violation of Section 623 ( a ) ( 3 ) - Duty to Correct and Update InformationThe reinsertion of the account without correcting the underlying inaccuracies breaches this section, which requires that information furnishers update and correct inaccurate data.

Violation of Section 611 ( d ) - Notification of Reinsertion EQUIFAX failed to notify me in writing within five business days of the reinsertion of the previously deleted item, violating my right to timely notification under this section of the FCRA.

Violation of Section 607 ( b ) - Maximum Possible AccuracyThe reinsertion of inaccurate information, as well as the lack of procedures to ensure maximum possible accuracy in consumer reports, is a violation of the FCRA. 

Harm Caused : The reinsertion of this inaccurate account has caused significant harm, including : Damage to my credit score Increased stress and time spent addressing this issue Negative impact on my ability to secure a mortgage This issue has severely affected my ability to pursue homeownership for my family, and it remains unresolved due to the incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I am filing a complaint against SANTANDER BANK, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, SANTANDER BANK failed to take timely and effective measures to prevent and address fraud on their platform, causing me financial harm economical despair and financial hardship : leaving my account vulnerable and unprotected furthermore closing my account and blocking me from continued use of the platform and its banking services while keeping and or various amounts of transactions. Their dispute resolution process was unfair and offered limited to no customer support which is 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 Financial harm, Commercial Liability, Unrepairable Time Lose Theft of Banking Instruments Appropriated and addressed to me ; and the ability to work with other Financial Institution 's has been limited and or cut off causing irreparable damage and deprivation of Character in its Commercial Compacity!. Furthermore not providing me as a small business owner to utilize all of the banking products that are currently offered to CAUCASION persons in its Compacity Denying me on basis of my XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Attaining to Inconvenience and sever Financial loss, and I seek immediate and appropriate redress for these violations Without Prejudice!.

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