vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank on XXXX XXXX or XXXXXXXX XXXX XXXX XXXX XXXX  has made unauthorized changes to both my checking and savings accounts after I had made cash deposits. The white male teller even showed me the screen showing me the correct balance for my checking and savings account. It was after I left the bank that changes was made to my account. I asked the tell to make a {$100.00} dollar transfer from savings to checking and also to make deposits into my checking and savings account. I deposited {$340.00} into my savings account on XX/XX/year>. I also deposited XXXX of my pension into my savings. He has been changing things after I leave and putting money into my checking account which no money shows up in the account. It only shows transactions made but the money vanishes out of my account. I made a {$1000.00} deposit into my savings account and {$20.00} into my checking account but the {$30.00} dollars ever made it into my account. I am handing this white male teller cash money that is being put into my accounts. I should have {$1400.00} and change in my savings and {$100.00} and something dollars and change in my checking. I have been taking money from my XXXX XXXX  accounts and putting money into my Key Bank accounts in which the money is disappearing from my accounts at Key Bank as soon as I deposited money. The money goes missing after I leave the bank. The teller is changing things after I leave the bank and finished my transaction. I want a audit done of my accounts. I want to make sure they don't permanently delete information from my Key Bank accounts to cover up their stealing money out my accounts. They are also now saying that the teller switched the deposits around and I spent the money. If I requested my money to be put into the correct account and then later they changed things around to cover up what they were doing is fraud. I want a indepth audit of my checking and savings account and their computer systems. Please investigate. It seems that Key Bank customers have to always go back about missing money out of their bank accounts. Especially elderly Senior Citizens. Please investigate. I can't afford to give away money each month. I just had my Social Security retirement funds direct deposit into my checking and my pension direct deposit into my savings account. Now I'll have to find another bank to bank at an change my direct deposits and direct debits again because Key Bank personnel can't be trusted with people money.

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: GA

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 2025-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: IL

Complaint narrative:
XXXX I received an email from MOHELA ( XXXX ) my application has been denied. They gave me no reason to why, how they came to this decision, findings, that they said they found. They gave me no information on how to appeal if I wanted to or any way to see any research they did. It was a general auto populated message. So with in 60 days exact my loan was bought out from XXXX to MOHELA and they did not do their diligence of given my application the time of day. 
XXXX I filled out XXXX  School Misconduct Application XXXX Received Letter From U.S Department of Education all Federal Loans have been discharged in amount of {$63000.00} based on school misconduct & fraud XXXXFilled out application for borrower defense for school misconduct

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: MS

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPD findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were 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 2025-01-16 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: WA

Complaint narrative:
Experian 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 Experian, 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 experience, where Experian 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 Experian 's 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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
I attempted to revoke ACH authorization on XX/XX/XXXXXXXX XXXX  but was informed they require a waiting period of 10 business days to revoke an ACH. This is already excessive as the industry standard is 3 business days. 

Instead, they offered a deferral but stated they can not process an ACH revoke at the same time. In other words, if you want the deferral, we cant revoke the ACH. This was clearly purposeful. 

The payments were due XX/XX/XXXXXXXX XXXX XXXX Since they couldnt process both - I revoked my ACH authorization as of XXXX1/08 which was 10 business days before XX/XX/XXXXXXXX When I asked to confirm this information, they mentioned that XX/XX/XXXX is a holiday and therefore not a business day - so they would still be withdrawing money from my account via ACH.

Im not sure how this is legal - 10 business days is extremely long first of all, and secondly I as a consumer have exercised my rights to revoke ACH that they are not complying with. Now I am in a situation where I need to close the account entirely to avoid their shady tactics.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had multiple items on my experian credit report that was incorrect, i had called and talked to experian over the phone multiple times to try and get these issues resolved and experian refused to further investigate/ didnt even bother investigating at all and said all information on their reports are accurate and no further investing was necessary. this has caused a huge impact on my credit report and has even risked me being evicted.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: CA

Complaint narrative:
I have been in business with carmax auto finance since XXXX ive made multiple payments on time with no issues up until the last year. i struggled to make a couple payments due to me being out of work due to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX a month later. i had talked to carmax multiple times to see if there was anything we could do ( work out a payment plan, lower my payments, or anything they could possibly due to help ) they refused and said there wasnt anything they could do for me and that i either need to pay it or theyd put out a repossession. i payed off the remaining balance that i owed and confirmed id be caught up. they said i would until the following month. i kept making my payments as i should and i kept calling to confirm im caught up and they confirmed each time. but each month on my credit report it shows as late. carmax refused to fix this and has yet to fix it. ive talked to multiple people from XXXX XXXX XXXX and nobody helps and when ive called multiple times each person tells me im all caught up. this is causing a huge issue on my credit report and they need to be held accountable

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 service 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 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was scammed from a person that was false advertising and used XXXX to send the them the money. I contacted the bank after a few days after finding out that I got scammed and the bank didnt get me my money back and started talking about how there is nothing they can do. It was a quite a bit amount of money.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
According to my records, the account is marked as Paid P & L, indicating the debt was resolved and written off as a loss. However, despite this notation, the account is still being reported as a charge-off.

This conflicting information is both misleading and damaging to my credit profile. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that information reported to credit bureaus must be accurate and complete. Additionally, 15 U.S.C. 1681i requires creditors to investigate and correct any inaccuracies when a dispute is raised. The current reporting, where a debt is both marked as Paid P & L and a charge-off, constitutes a violation of the FCRA as it provides misleading and conflicting information to potential creditors.

Given that the debt was resolved and written off as a loss, I request the immediate removal of this account from my credit report. This misreporting is damaging to my credit score, and under 15 U.S.C. 1681c, accounts in dispute and incorrectly reported must be updated or deleted.

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

Complaint narrative:
According to my records, the account is marked as Paid P & L, indicating the debt was resolved and written off as a loss. However, despite this notation, the account is still being reported as a charge-off.

This conflicting information is both misleading and damaging to my credit profile. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that information reported to credit bureaus must be accurate and complete. Additionally, 15 U.S.C. 1681i requires creditors to investigate and correct any inaccuracies when a dispute is raised. The current reporting, where a debt is both marked as Paid P & L and a charge-off, constitutes a violation of the FCRA as it provides misleading and conflicting information to potential creditors.

Given that the debt was resolved and written off as a loss, I request the immediate removal of this account from my credit report. This misreporting is damaging to my credit score, and under 15 U.S.C. 1681c, accounts in dispute and incorrectly reported must be updated or deleted.

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: NC

Complaint narrative:
I'm a victim of the XXXXData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe TRANSUNION handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested TRANSUNION 'S method of verification several times back in XXXX XX/XX/XXXX, and as late as XXXX of 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 2025-01-16 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union concerning multiple overdraft fees applied to my account. These fees were incurred despite having sufficient funds available at the time the transactions were authorized. The charges appear to be the result of delayed postings of debits and credits, leading to overdraft fees being assessed based on inaccurate balances. 

This issue seems consistent with recent CFPB findings against Navy Federal for similar practices, where overdraft fees were charged due to transactions settling with insufficient funds despite sufficient funds being available initially. I believe these practices are unfair and request a thorough investigation into the transactions on my account to ensure compliance with applicable regulations. 

Thank you for your attention to this 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: PA

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 not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Removal of Collection Account from Credit Report Dear Sir/Madam , I am writing to formally dispute an inaccurate entry on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your bureau, and I noticed that the collection account listed below, reported by Calvary Portfolio Services, appears to be incorrect or outdated : Account Name : Calvary Portfolio Services Account Number : XXXX Amount Owed : {$500.00} Date Opened : XX/XX/XXXX I believe this account is either not mine or is being reported inaccurately. Under FCRA Section 611, I request that you investigate this item and remove it from my credit report if it can not be verified or corrected. Specifically, I request that you

: 1. Investigate whether this account is being reported accurately by the collection agency. 2. Ensu re that the collection account is being reported in accordance with the FCRA guidelines. If you are unable to verify the accuracy of this collection account, I respectfully request that it be removed from my credit report. In accordance with the FCRA, if the information can not be substantiated within 30 days, it must be deleted. 

Please inform me of the results of your investigation in writing, and send me an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a 1099c to accurately reflect them being charged off for tax purposes. 15 US Code 1692c 15 US Code 1692g 15 US Code 1681e ( b )

Company response to consumer: Closed with explanation