vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: PA

Complaint narrative:
TransUnion has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved, negatively impacting my credit standing. 

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic violations, including the failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and insufficient notification to consumers regarding dispute outcomes. My experience aligns with these allegations, as TransUnion has refused to correct or remove disputed items despite the evidence I submitted. 

This ongoing failure to address the inaccuracies violates federal law and infringes upon my rights as a consumer. I am requesting immediate corrective action to amend or remove the disputed accounts in compliance with the FCRA.

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 2025-01-16 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 MADE SEVERAL DISPUTES/COMPLAINTS TO XXXX ABOUT INACCURATE AND UNFAIR REPORTING BY XXXX XXXXXXXX. I WAS NEVER INFORMED OF HOW THE INVESTIGATION WAS VERIFIED TO BE ACCURATE AND THE ITEMS DISPUTED WERE NEVER REMOVED!

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I received a letter saying that the SAVE plan was no longer active due to recent supreme court rulings. I was instructed to immediately choose a different IDR plan. I chose a different plan because that was the only option. I received an email stating that forbearance ends in XXXX. My new monthly payment schedule is as follows : XX/XX/XXXX : {$43.00} XX/XX/XXXX : {$10000.00} though XX/XX/XXXX XX/XX/XXXX : {$3100.00} through XX/XX/XXXX. 

I also received an email saying that with my new IDR plan, interest is accruing even while I am on forbearance. If I had stayed in the SAVE plan, the interest would not be accruing. Even though I wasnt given a choice to stay on this plan.

I have attempted to get a hold of them through email and phone for months. Estimated wait times are 1-4 hrs no matter what day or time you call. I have requested a new repayment plan several times. Nothing has changed. I did receive an email about my concerns that said Your next monthly payment is not {$10000.00}, it is {$43.00}. This doesnt fix my problem. I am worried that I will be sent to a collection agency because I cant make the payments starting in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 time 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 to 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Account number ending in XXXX To whom it may concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the fair debt collection practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ) this action might constitute fraud under both federal and state Laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following violation of the Fair Debt Collection Practices Act. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with legal counsel for a suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days of the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer personal information was stolen in a data breach of XXXX XXXX consumers personal information. Consumer is requesting that all items listed in Attached FTC Identity Theft Report to be deleted from consumers personal credit report file from XXXX credit bureaus XXXX, XXXX, Transunion pursuant to Fair Credit Reporting Act section 605b. Also 15 USC section 1681b permission must be given by the consumer to report my personal information on credit bureau.

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 2025-01-16 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: NY

Complaint narrative:
Consumer personal information was stolen in a data breach of XXXX XXXX consumers personal information. Consumer is requesting that all items listed in Attached FTC Identity Theft Report to be deleted from consumers personal credit report file from XXXX credit bureaus XXXX, Experian, XXXX pursuant to Fair Credit Reporting Act section 605b. Also 15 USC section 1681b permission must be given by the consumer to report my personal information on credit bureau.

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 2025-01-16 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy of the collection account reported by XXXX XXXX XXXX on my credit report. Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), financial institutions and debt collectors are required to maintain strict standards for safeguarding personal information and ensuring accuracy when reporting to credit bureaus. XXXX XXXX XXXX has failed to demonstrate sufficient proof of both the legitimacy and accuracy of this debt, and I believe that the collection account is being reported in violation of these protections. 
As per 15 USC 6802, any entity that reports or transmits consumer data is bound to follow appropriate procedures for ensuring the accuracy of such information. Given that XXXX XXXX XXXX has not provided verifiable documentation or clear evidence of this debt being valid, I am requesting that this item be removed from my credit report due to the lack of sufficient proof supporting its accuracy and legitimacy. 
Please conduct a thorough investigation and remove this collection account from my credit file, as it appears to be in violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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:
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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
As of XX/XX/year>, Capital One has refused to tell us why our direct deposits arent in our accounts. They never notified us via phone or email, and the only source we have to go off of is their XXXX account that just says theyre having a problem with a third-party vendor. This is completely unacceptable as many Americans live paycheck to paycheck and we rely on our deposits to be in our account. They seem to have no problem sending me the bill for my credit card, though, but they cant give me my money that my employer paid to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
Account is over 7 years old charged off in XXXX Im requesting to have it removed from my credit report the account is scheduled to continue on record until XX/XX/XXXX which has passed.

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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have my bank with Capital one. My deposit should have been today i dont receive no payment. Ive been calling the bank no XXXX answering. I have to pay my bills buy groceries nothing. XX/XX/year>.

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: FL

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 has 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 2025-01-16 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: AZ

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair credit Reporting Act ( FCRA ) to conduct a. reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systematic 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 Transunion 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 Transunion inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
My loan ended with bridge crest on XXXX of XXXX  but i Still have a balance that I am paying to them. my account isn't even charged of but they are reporting me as paying them late every month. How can that be if I no longer have a contract with them? I need them to stop reporting me late. We are not even on loan terms right now and I am paying the balance that I owe. not only that, they have added more to the balance in the past and i was supposed to be done with this loan a while back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 filling 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 Regulations 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 2025-01-16 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, 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 has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 expressing 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 several times. Despite informing them immediately, They informed me that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has 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 2025-01-16 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:
Navy Federal Credit Union has taken hundreds of thousands of dollars from my checking account in return check fees from XXXX  to present date. They get more of VA checks then I get to see them. Very disappointed seeing how this company says it takes care of veterans and military personnel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against CashApp ( Block , INC ) due to inadequate customer service and unfair practices, which violate 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 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-16 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 cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically 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 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 2025-01-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> sent a request to have XXXX accounts removed from my credit. This is the third time that I have requested within 2 months each time came back that the company certified it is accurate and will remain on my credit.

Company response to consumer: Closed with explanation