vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NC

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian old Child support account. 
I ask for a paid off accounts to be closed.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Early Warning Services, LLC
State: CA

Complaint narrative:
Someone on XXXX XXXX scammed me after trying to buy a camera. I went to my bank and Zelle to form a complaint, and they said they could do nothing for me. While many other services like XXXX you can get your money back if you are scammed. I have stopped using Zelle since then because it is filled with scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One hasn't released a paycheck as of todays date, XX/XX/year>, that was meant to be deposited TODAY. There is no estimate or help on when it will deposit. I have bills to pay but can't because I've been over drafted, since CO is allowing withdrawals but not making deposits!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im filing this claim to report an inaccurate item on my credit report That continues to negatively impact my credit. I have tried to resolve this directly with the reporting agencies, but it still remains an issue. I am looking for assistance in looking into this matter for me. So I could have these negative reports resolved. These reports are not accurate and do not reflect my actual 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im filing this claim to report an inaccurate item on my credit report That continues to negatively impact my credit. I have tried to resolve this directly with the reporting agencies, but it still remains an issue. I am looking for assistance in looking into this matter for me. So I could have these negative reports resolved. These reports are not accurate and do not reflect my actual credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I usually get paid Wednesday it is currently Friday and I have still not been paid. Until last night I had not received anything or been told anything about capitol one having issues until I received a email. Because I have not been paid my credit cards and loans have went past due and have heavily effected my credit and caused late fees but because I didn't get any information about the problem capitol one was having until a day after I could not call and get any of my payments rescheduled causing problems with my payments making me now have late fees and overdue balances.

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: FL

Complaint narrative:
Details of Complaint : I previously filed a complaint with the CFPB on XX/XX/year>, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : 1. XXXX ( Account # XXXX ) : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
2. XXXXXXXX XXXX ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
3. XXXX XXXX ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
4. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
5. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
6. XXXX XXXX XXXX ( XX/XX/year> ) : Not removed despite prior disputes. 
7. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices.

FCRA 609 ( a ) ( 1 ) : Failure to verify disputed information.

Harm Caused : Experians actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items.

Emotional distress and wasted time resolving these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: 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: WI

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I require the finance company 's assistance in facilitating the repair of my vehicle. Under XXXX Lemon Law, they are obligated to provide coverage. Please refer to the attached documents, which detail my prior correspondence with the Better Business Bureau regarding the dealership. I need my vehicle repaired at no cost, without hassle, and in an expedient manner. 

My vehicle broke down in XXXX, Illinois on Saturday XX/XX/XXXX at XXXX. Dropped off at XXXX XXXX XXXX at XXXX that same morning. 

Please refer to the recent complaint submitted to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the XXXX XXXX. 

Company : XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX 

Account/Order/Tracking number : XXXX XXXX XXXXXXXX XXXX paid to business XXXX XXXX Desired settlement : Repair of vehicle ; Refund of down payment ; Replacement of vehicle. 

I am submitting a formal complaint against XXXX XXXX XXXX XXXX regarding their subpar customer service and unfair business practices, which contravene the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX XXXX failed to implement timely and effective measures to prevent and address fraud on their platform, thereby leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, failed to reply to my communication ( via phone and email ) as they failed to 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I applied for an XXXX Credit Card on XX/XX/XXXX. I never got a response from XXXX on whether I was approved or not. Since a month has gone by and it now appears on my credit report as a " hard inquiry '' from XXXX that will not roll off until XXXX. I called XXXX and was told " it has been more than 30 days and the record has been purged. We can't do anything about it - contact the Experian ''. 
Contacted Experian and was told that XXXX could do something and they were giving me the run around. 

I want it removed or I want information on what they found.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, TransUnion Attn : CFPB Subject : Formal Dispute Follow-Up Regarding Inaccurate Credit Reporting To Who It May Concern : I am writing to express my extreme frustration and disappointment regarding the handling of my recent dispute over inaccurate information reported on my credit file. I initially submitted this dispute in XX/XX/year>, providing evidence to demonstrate inaccuracies, including late payment reporting discrepancies among the three major credit reporting agencies. Despite this, the information was not corrected or deleted, and your verification process has upheld clearly incorrect data.

This inaction is not only unjust but also in direct violation of federal consumer protection laws. Are you aware of your obligations under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA )? The FCRA mandates that consumer reporting agencies like yours ensure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation of disputed information within specific timelines ( 15 U.S.C. 1681i ). The law also requires that inaccurate, unverifiable, or incomplete information be modified or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

The discrepancies on my credit report are not only evident but are now directly hindering my ability to purchase a home for my family. The conflicting reporting between agencies reflects negligence in ensuring accuracy and consistency, which your company is obligated to address under the FCRA.

If this issue is not resolved promptly and satisfactorily, I may pursue legal action. For reference, cases such as the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) outline how agencies can be held accountable for failing to meet FCRA requirements. As in that case, your failure to reinvestigate thoroughly, correct inaccurate information, and provide clear notice of the outcome violates my rights as a consumer.

I demand the following : 1. Immediate correction or deletion of the inaccurate information, particularly the late payment reporting discrepancies.

2. Written confirmation of these corrections and updates provided to all three credit bureaus. 
3. Assurance that my credit file reflects maximum possible accuracy going forward.

Please consider this letter a formal request for compliance. If I do not receive a satisfactory response within 30 days, I will explore all legal remedies available to me, including filing complaints with the CFPB and potentially initiating legal action. 
I trust that you will take this matter seriously and fulfill your legal responsibilities. 
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 2025-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, XXXX Attn : CFPB Subject : Formal Dispute Follow-Up Regarding Inaccurate Credit Reporting To Who It May Concern : I am writing to express my extreme frustration and disappointment regarding the handling of my recent dispute over inaccurate information reported on my credit file. I initially submitted this dispute in XX/XX/year>, providing evidence to demonstrate inaccuracies, including late payment reporting discrepancies among the three major credit reporting agencies. Despite this, the information was not corrected or deleted, and your verification process has upheld clearly incorrect data.

This inaction is not only unjust but also in direct violation of federal consumer protection laws. Are you aware of your obligations under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA )? The FCRA mandates that consumer reporting agencies like yours ensure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and conduct a reaso
nable reinvestigation of disputed information within specific timelines ( 15 U.S.C. 1681i ). The law also requires that inaccurate, unverifiable, or incomplete information be modified or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

The discrepancies on my credit report are not only evident but are now directly hindering my ability to purchase a home for my family. The conflicting reporting between agencies reflects negligence in ensuring accuracy and consistency, which your company is obligated to address under the FCRA.

If this issue is not resolved promptly and satisfactorily, I may pursue legal action. For reference, cases such as the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) outline how agencies can be held accountable for failing to meet FCRA requirements. As in that case, your failure to reinvestigate thoroughly, correct inaccurate information, and provide clear notice of the outcome violates my rights as a consumer. 
I demand the following : 1. Immediate correction or deletion of the inaccurate information, particularly the late payment reporting discrepancies.

2. Written confirmation of these corrections and updates provided to all three credit bureaus.

3. Assurance that my credit file reflects maximum possible accuracy going forward. 
Please consider this letter a formal request for compliance. If I do not receive a satisfactory response within 30 days, I will explore all legal remedies available to me, including filing complaints with the CFPB and potentially initiating legal action. 
I trust that you will take this matter seriously and fulfill your legal responsibilities. 
Sincerely, XXXX XXXX

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: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: 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 postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled insufficient balances despite initially available funds. I believe these these practices is 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: 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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this 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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
In XX/XX/year> I submitted a claim for {$600.00} from my checkings account. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was not possible and there was nothing they could to do help me with this problem.

Company response to consumer: Closed with explanation