vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist Bank purchased the mortgage on my primary residence in XXXX of XXXX. They failed to make the homeowners insurance premium payment to my insurer, XXXX, in XXXX, despite having the funds in the escrow balance that they took over from my old lender. As a result, my homeowners insurance policy lapsed XX/XX/XXXX without my knowledge. Unbeknownst to me, I've been without homeowners coverage since that date. I'm lucky nothing happened. 

I only found out when Truist sent me a letter dated XX/XX/XXXX that I just received telling me I needed to get a new policy or they would get one for me and charge me a ridiculous price for it. 

I immediately called XXXX to see if I could pay to reinstate the policy, but it was unable to reinstate my policy after hours, and could not issue a new policy due to the lapse in insurance that had occurred. My choice was to wait until Tuesday when their underwriters would be available to possibly reinstate my old policy or try to find insurance elsewhere. I didn't want to risk 3 more days without coverage, so I went on a couple of other sites and was able to get another policy from XXXX. I had to take the monthly premium payment option ( which is more expensive ) because the money that should have been used to pay my homeowners is sitting in my escrow balance at Truist collecting no interest.

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: 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: VA

Complaint narrative:
Im filing this compliant regarding the inaccurate item in my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly withy he reporting agency it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Certainly! Heres a revised dispute letter requesting the removal of the overdraft fees from your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute inaccurate overdraft fees reported on my credit report related to my XXXX XXXX  account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request the immediate removal of these fees, as they were incurred due to delayed transaction postings and are unjust. Please investigate this matter and correct my credit report accordingly. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Certainly! Heres a revised dispute letter requesting the removal of the overdraft fees from your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute inaccurate overdraft fees reported on my credit report related to my XXXX XXXX account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request the immediate removal of these fees, as they were incurred due to delayed transaction postings and are unjust. Please investigate this matter and correct my credit report accordingly. 

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 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: TN

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 2025-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent inquiries on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent inquiries on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

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: TN

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 ( CFPB ). 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant in convenience and financial loss, and 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: TX

Complaint narrative:
I am writing expressing my concerns regarding Zelles handling of disputes, particularly with 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 wasnt infeasible. The CFPBs findings indicate Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system, leaving users such as myself vulnerable to scams. This lack of accountability 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: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.

Complaint narrative:
I keep receiving mail correspondence addressed to my 8 year old for a debt we have no known information on. Creditor : Credit Collection Services

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved and effectively hinders my life. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXX XXXX Balance Owed : {$2600.00}

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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My direct deposit was scheduled for XX/XX/year>. I never received it. On XX/XX/year> around XXXX, Capital one sent an email stating they were having technical issues. It is now Friday XX/XX/year> at XXXX and I still have not received my funds. Capital one has not provided and exact cause nor and estimated time of correction/deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Wednesday, XX/XX/XXXX my paycheck was not in my bank account. By Friday, XX/XX/XXXX my paycheck was still not in my bank account. I have automatic payments that come out of my account that are now being returned. When I called Capital One, after being on hold for over 45 minutes, the phone hung up. I have over {$2000.00} that i can not access and no answers from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a compliant with the CFPB regarding my capital one 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the electronics funds transfer act ( efta ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly 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. XXXX ) 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 2025-01-18 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 expressing my concerns regarding. Zelle handling disputes. Zelle has neglect to protect consumers and allowed repeat offenders to exploit the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the three major credit bureaus [ XXXX, XXXX, XXXX ] for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed multiple third-party debt collector accounts on my credit report, as these accounts were purchased by debt collectors, and the current status, balance, and payment details are incorrect. Specifically, my credit report fails to reflect the amount paid by the debt collector, which results in incomplete and misleading information. Despite these inaccuracies, all three credit bureaus have responded by simply marking these entries as " verified '' without providing any proof or evidence of a proper investigation into my dispute. 

The information listed on my credit report regarding these collection accounts is inaccurate and misleading, which constitutes a clear violation of the FCRA. I have not received any substantiated documentation supporting the verification of these accounts. As a result, I am requesting that these inaccurate entries be removed immediately. 

I respectfully ask that the CFPB look into this matter and help ensure my rights under the FCRA are upheld. 

Thank you for your time and assistance.

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: GA

Complaint narrative:
I am writing to formally express my concerns on how cash app handles disputes. Despite using cash app numerous of times and reporting discrepancies my financial institution and cash app failed to investigate my claims adequately. They informed me that recovering my lost funds were impossible and that tracking these transactions were unfeasible. There was no one to talk to by phone and I was left having to email and chat with people who couldnt understand what was happening due to context.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested debt validation. I continue to get statements. According to 15 U.S.C 1681I. 
I have a right to dispute inaccurate information. You are required to provide or delete from my credit file. Which you still have not provided thus far. Please delete ALL inaccurate information ASAP.

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: SC

Complaint narrative:
I am writing to formally request the removal of the tradeline associated with XXXX XXXX XXXX ( XXXX ) from my credit report. I have recently responded to XXXX  court filing, and the case has been legally dismissed. As a result, their continued reporting of this tradeline is inaccurate and must be removed immediately. 

Furthermore, XXXX has violated several laws, including engaging in practices such as " debt parking, '' which is illegal. Their actions have caused significant harm to my credit and financial well-being, and I expect Equifax to ensure the accuracy of my report by removing this erroneous and unlawful tradeline. Investigate this company as they done so many illegal tradelines for years.THIS ACCOUNT IS NOT MINE! 
I am writing to formally request the removal of the tradeline associated with XXXX XXXX from my credit report. I have addressed their claims and have confirmed that they are in violation of several laws.If the company did not issue you a 1099-C for the charged-off amount, it suggests the debt may not have been properly canceled. However, if the company has legally forgiven or abandoned the debt but failed to notify you or the IRS, it could raise questions about their compliance with federal law. 
3. Potential Violations If a company reports a charge-off on your credit report but does not hold the debt ( as disclosed in their XXXX ) or fails to issue a 1099-C when required, they might be violating : The Fair Credit Reporting Act ( FCRA ) : Reporting inaccurate or misleading information. 
IRS Regulations : Failure to report canceled debt as required. 
Unfair or Deceptive Practices : Continuing to report the debt when their own records ( via the XXXX ) indicate they have no legal claim. THEY HAVE NOT PERFORMED OR ACCURATLY NOTIFIED ME. Lastly, This letter serves as my final demand for the immediate removal of the consumer statement currently appearing on my credit profile ( I HAVE NOT AUTHORIZED THIS TO MY CREDIT REPORT ). I have contacted your office multiple times to request its removal, and despite repeated assurances, no action has been taken. 

Your failure to comply with my requests constitutes negligence and a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit reports must remain accurate and reflect updates as requested by the consumer. Continuing to ignore my lawful request exposes Equifax to potential legal action.

If the consumer statement is not removed from my credit report within seven ( 7 ) days of this correspondence, I will have no choice but to escalate this matter.It has come to my attention that my personal information was exposed during the Equifax data breach. As a result, I believe my information may have been used without my authorization to open these fraudulent accounts.

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues within the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims throughly and adequately. They informed my that recovering lost funds was impossible and that tracking these transactions were unfeasible once completed. The CFPBs 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. 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XX/XX/XXXX notice to resolve issues with deposits. XX/XX/XXXX no updates followed, when contacting they would not disclose when system would be fixed, if funds were safe and secure, when they would be available. Following into XX/XX/XXXX no updates from bank have come through. I have early deposit set in place through them and no deposit has been placed into account on early, or day of final check deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management took over auto loan from bankrupt company XXXX in XX/XX/year>. They didn't advise of any payments had been put on the back end of the loan. When sick with XXXX XXXX XXXX  called to get payments put on the back end due to the offered a payment option for financing hardship. I was out of work for a month without pay. Once vehicle was repossessed I was given the offer to pay {$1000.00} to get vehicle back. Loan paperwork from US Auto stated that notice has to be given 10days before vehicle is up for sell. Westlake Portfolio Management never called nor mailed a letter before vehicle was sold. On XX/XX/year>. At this time they had received {$700.00} in payment. There was no new contract signed when XXXX XXXX XXXX took over.

Company response to consumer: Closed with explanation