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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed a dispute on multiple accounts listed below us bankruptcy # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX due to ( the credit laws and these are not my accounts ) Experian denied following up with the investigation. i recently was notified that CFPB has filed a lawsuit against the company ( Experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation! Experian has not attempted to remove, nor correct any information/ I'm requesting this derogatory remark and negative accounts be removed or corrected immediately as it's affecting my chance of getting ( house, car, etc. ) Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-19 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: GA

Complaint narrative:
I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agency needs to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX They both are reporting 60 days late when I was never 30 days late. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite Having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles 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 2025-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: WY

Complaint narrative:
I have tried to communicate with the company since it was sold XXXXXXXX XXXX XXXX  and every month until XXXX of XXXX NATIONAL CREDIT ADJU This is just the XXXX company it has been sold to. I have told them that the payday loan place does not exist in the state of Wyoming and they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was using zelle for transactions and one day they said I was banned from using the app again.

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: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I tried to file a dispute with XXXX for a collection on my credit report of {$610.00}. The dispute was closed within a week. I then contacted the company, Affirm, who reported it and requested a 1099c from them and they refused to give me one even though they wrote it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 loss. 
Denied refunds for services that wasnt complete. 
XX/XX/year> {$100.00} XX/XX/year> {$4.00} XX/XX/year> {$75.00} XX/XX/year> {$18.00} XX/XX/year> {$40.00} XX/XX/year> {$170.00} Cashapp denied refund XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
I am filing this complaint against Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX because TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and reinvestigations, inaccurate information regarding the above-referenced account remains on my consumer report.

Violations of the FCRA : TransUnion is in clear violation of : Section 611 ( 15 U.S. Code 1681i ) : Failing to conduct a reasonable reinvestigation. After multiple disputes, TransUnion has not corrected or removed the inaccurate information.

Section 623 ( 15 U.S. Code 1681s-2 ) : Reporting inaccurate information and continuing to validate it without proper verification.

Impact of Non-Compliance : The continued reporting of this inaccurate account has caused significant harm to my credit profile. It has affected my credit score and financial opportunities, despite my efforts to resolve the issue.

Furthermore I have provided proof after reinvestigation this account is still showing inaccuracy from the data furnisher and the account was deleted from XXXX for the above reason. This means that all information must be reporting accurately across all agencies and it is not

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App XXXX 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I submtted a dispute via certified mail to XXXX, XXXX, and TransUnion regarding a violation of 15 U.S. Code 1681e ( b ) on a reported item XXXX XXXX XXXX XXXX  Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX. On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to XXXX different credit agencies that are all claiming they have verified these items with XXXX. On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and wiull not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as three different credit agencies are reporting different information. After each dispute one of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX XXXX sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX TransUnion sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?

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 information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I submtted a dispute via certified mail to Experian, XXXX, and XXXX regarding a violation of 15 U.S. Code 1681e ( b ) on a reported item XXXX XXXX XXXX XXXX- Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX. On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to three different credit agencies that are all claiming they have verified these items with XXXX On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and wiull not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as three different credit agencies are reporting different information. After each dispute one of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX XXXX sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX XXXX sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?

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 2025-01-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Wells Fargo XXXX XXXX Credit Bureau dispute resoluti XXXX XXXX, IA XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX I believe I am a victim of the XXXX XXXXXXXX XXXX XXXX breach, and this debt may have resulted from identity theft or fraudulent activity stemming from that breach.

As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 
If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a capitalone venture credit card # XXXX XXXX XXXX XXXX. I signed up and approved for promotional reward points about 1 yr ago. I accumulated about 86,000 reward points unredeemed. I applied for Capitalone spark card for business card 3 months ago which was rejected and closed. Capitalone then claimed fraud on the 1st venture card, all the transactions on the Venture card were authorized and had XXXX XXXX. Capitalone requested income verification and bank accounts which I provided. 
After multiple lengthy conversations with the fraud department, the customer service department representatives are poor with XXXX accent from an foreign country with very poor connection call, but finally we verify the identification with XXXX bank representative on a conference call. My identification and bank account deposit verified. 
We thought the fraud claim issue was resolved. Dated on XX/XX/year>, Capitalone closed my account and about 3 months ago they locked the card with 86,000 reward point so I couldn't not accessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-19 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: PA

Complaint narrative:
am filing a compiaint against Equifax for failing to properiy 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. 2025-CFPB-0002 ) 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 2025-01-19 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To whom it may concern I recently discovered that my personal information was exposed in a data breach, resulting in inaccuracies and negative entries on my credit report. I am requesting that all incorrect or fraudulent items be removed promptly from my credit file within the 30-day dispute resolution period.

Thank you for your attention to this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
All Captial One Bankers this week did not receive any notice regarding very delayed delivery of direct deposits to accounts. 

Individual were not communicated with between XXXX XXXX XXXXXXXX XXXX what was happening with accounts and delays regarding a third party vendor until XXXXXXXX XXXX  after the issue had already been happening for one business day. 

Due to this very poor service and situation many including myself was impacted personally not being able to have access to direct deposits and werent able to pay bills before a holiday weekend and were charged late fees. Many werent able to access ATM and other transactions and account balances werent available for majority. Very disappointing service from Capital One due simply to not communicating with their valued bankers. When they said this issue was resolved it wasnt true. Many including myself didnt get our funds.

Company response to consumer: Closed with explanation