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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Complaint Against XXXX XXXX Issue : Failure to validate debt properly, reporting discrepancies, and potential securitization violations.

Details : 1. Discrepancy in Account Numbers : XXXX  correspondence references an account ending in XXXX, but the credit report reflects an account ending in XXXX. This inconsistency raises concerns about whether this is the same account or a duplicate entry. 
This discrepancy violates Section 609 of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting by furnishers.

2. Improper Validation of Debt : XXXX failed to provide a complete validation of the debt. Their response did not include : An original signed agreement linking my client to the debt. 
Proof of how the balance was calculated, especially the charge-off amount. 
Documentation confirming no third-party securitization of this account, as indicated in their XXXX filing. 
This violates Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), which requires validation of debt upon request. 
XXXX. Repeated Charge-Offs and Reporting Errors : XXXX reported this account as charged off multiple times over consecutive months and years, inflating the negative impact on my clients credit score.

This constitutes illegal double jeopardy reporting, violating FCRA Section 623 ( a ). 
XXXX. Potential Securitization : XXXX XXXX XXXX  filing XXXX the possible securitization of accounts. If the debt was securitized, XXXX can not legally collect on the account or continue reporting it as owed, as ownership would have transferred. 

Complaint Against XXXX and TransUnion Issue : Failure to conduct proper investigations, reporting errors, and potential sham dispute investigations. 

Details : 1. Failure to Investigate Disputes : Both XXXX and TransUnion failed to investigate disputes thoroughly and instead relied on automated responses. This constitutes a sham investigation, violating FCRA Section 611 ( a ). 
Recent lawsuits against XXXX highlight their systemic failure to handle disputes appropriately. 
2. Inaccurate Reporting : Both bureaus reported conflicting account numbers for the same debt ( XXXX vs. XXXX ), indicating a lack of due diligence in ensuring accuracy, as required under FCRA Section 623 ( a ).

Both bureaus also failed to remove the disputed account despite no proper validation from XXXX XXXX. 
3. Failure to Note Dispute Status : Despite repeated disputes, the bureaus failed to mark the account as disputed, violating FCRA Section 623 ( a ) ( 3 ). 
4. Emotional Distress and Financial Harm : Their failure to remove inaccurate and unverifiable information caused significant harm to my client, including denied credit applications and emotional distress.

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX Against Discover Bank Issue : Failure to validate debt properly, reporting discrepancies, and potential securitization violations.

Details : 1. Discrepancy in Account Numbers : Discovers correspondence references an account ending in XXXX, but the credit report reflects an account ending in XXXX. This inconsistency raises concerns about whether this is the same account or a duplicate entry.

This discrepancy violates Section 609 of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting by furnishers.

2. Improper Validation of Debt : Discover failed to provide a complete validation of the debt. Their response did not include : An original signed agreement linking my client to the debt.

Proof of how the balance was calculated, especially the charge-off amount.

Documentation confirming no third-party securitization of this account, as indicated in their 10-K filing.

This violates Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), which requires validation of debt upon request.

3. Repeated Charge-Offs and Reporting Errors : Discover reported this account as charged off multiple times over consecutive months and years, inflating the negative impact on my clients credit score.

This constitutes illegal double jeopardy reporting, violating FCRA Section 623 ( a ).

4. Potential Securitization : Discovers 10-K SEC filing indicates the possible securitization of accounts. If the debt was securitized, Discover can not legally collect on the account or continue reporting it as owed, as ownership would have transferred.

Complaint Against XXXX and XXXX XXXX : Failure to conduct proper investigations, reporting errors, and potential sham dispute investigations. 

Details : XXXX. Failure to Investigate Disputes : Both XXXX and XXXX failed to investigate disputes thoroughly and instead relied on automated responses. This constitutes a sham investigation, violating FCRA Section 611 ( a ). 
Recent lawsuits against XXXX highlight their systemic failure to handle disputes appropriately.

2. Inaccurate Reporting : Both bureaus reported conflicting account numbers for the same debt ( 1318 vs. 4563 ), indicating a lack of due diligence in ensuring accuracy, as required under FCRA Section 623 ( a ).

Both bureaus also failed to remove the disputed account despite no proper validation from Discover Bank.

3. Failure to Note Dispute Status : Despite repeated disputes, the bureaus failed to mark the account as disputed, violating FCRA Section 623 ( a ) ( 3 ).

4. Emotional Distress and Financial Harm : Their failure to remove inaccurate and unverifiable information caused significant harm to my client, including denied credit applications and emotional distress.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Request for Deletion of Incorrect Information from My Credit Report Complaint Number : XXXX Dear CFPB Team, I am writing to follow up on my previous complaint submitted on XX/XX/year>, regarding an incorrect late payment inquiry on my credit report from XXXX. Despite the fact that the payment in question occurred in XX/XX/year>, it was mistakenly reported as late in XX/XX/year>, which is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), if the disputed information can not be verified within a reasonable timeframe, it must be removed from my credit report. Specifically, Section 611 ( a ) ( 5 ) states that if the information can not be verified, it must be deleted from the consumers file. 

Given that the payment information has been shown to be incorrect, and XXXX has failed to resolve the dispute within the legally required timeframe, I respectfully request that the incorrect inquiry be completely removed from my credit report. This erroneous entry is negatively affecting my credit profile, and I seek your assistance in ensuring its removal in accordance with the FCRA. 

Please let me know if further documentation is required from my side to expedite this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Request for Deletion of Incorrect Information from My Credit Report Complaint Number : XXXX Dear CFPB Team, I am writing to follow up on my previous complaint submitted on XX/XX/year>, regarding an incorrect late payment inquiry on my credit report from Equifax. Despite the fact that the payment in question occurred in XX/XX/year>, it was mistakenly reported as late in XX/XX/year>, which is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), if the disputed information can not be verified within a reasonable timeframe, it must be removed from my credit report. Specifically, Section 611 ( a ) ( 5 ) states that if the information can not be verified, it must be deleted from the consumers file. 

Given that the payment information has been shown to be incorrect, and Equifax has failed to resolve the dispute within the legally required timeframe, I respectfully request that the incorrect inquiry be completely removed from my credit report. This erroneous entry is negatively affecting my credit profile, and I seek your assistance in ensuring its removal in accordance with the FCRA. 

Please let me know if further documentation is required from my side to expedite this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Request for Deletion of Incorrect Information from My Credit Report Complaint Number : XXXX Dear CFPB Team, I am writing to follow up on my previous complaint submitted on XX/XX/year>, regarding an incorrect late payment inquiry on my credit report from XXXX. Despite the fact that the payment in question occurred in XX/XX/year>, it was mistakenly reported as late in XX/XX/year>, which is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), if the disputed information can not be verified within a reasonable timeframe, it must be removed from my credit report. Specifically, Section 611 ( a ) ( 5 ) states that if the information can not be verified, it must be deleted from the consumers file. 

Given that the payment information has been shown to be incorrect, and XXXX has failed to resolve the dispute within the legally required timeframe, I respectfully request that the incorrect inquiry be completely removed from my credit report. This erroneous entry is negatively affecting my credit profile, and I seek your assistance in ensuring its removal in accordance with the FCRA. 

Please let me know if further documentation is required from my side to expedite this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely

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: PA

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 inconveniences 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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I sent a letter disputing the validation of the debt and this company 's failure to provide this within the 30 days provided by FCRA.

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: Early Warning Services, LLC
State: NV

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 my usage of Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my 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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

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 EXXXX 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concern regarding Zelle 's handling 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 unreasonable. The CFPB 's findings indicate that Zelle hasn't only neglected to protect consumers but has also allowed repeatedly offenders exploit the system, leaving users 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 2025-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are affecting my ability to obtain credit.

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 2025-01-18 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: CA

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 issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect information is being shown on my credit report about a repo. I requested a letter and it has not been given.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect information is being shown on my credit report about a repo. I requested a letter and it has not been given.

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of my disputes, particularly in the light of 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 tracking these transactions are infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also repeat offenders to exploit the system leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises concerns at consumers safety.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Request for Verification and Removal of Debt Dear XXXX, ACCCOUNT : XXXX XXXX XXXX XXXX open XXXX I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt. 

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement.

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA. 

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing disputed debt

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: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate, customer service and unfair practice, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail 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 requirement, under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significate 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
They were overly charging for over draft fees an XXXX XXXX  deposit fees. For more than 3 years. Until both my checking accounts were closed.

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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promise

Company response to consumer: Closed with explanation