vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: AZ

Complaint narrative:
This happened back in XXXX of XXXX. I was going to buy a switch and pick it up in person. There was XXXX I thought was in person but they had sent it to me through mail. I sent that person XXXX dollars but nothing came to my house. I had asked for a refund due to being scammed and I got denied. 

Another person seemed legit even gave me an address to go to. So I sent XXXX dollars thinking I could go pick it up. By XX/XX/XXXX of XXXX  I went to an address that they gave me thinking I would receive it. But once I got there I got nothing out of it. So I was calling my bank to see if they could refund the transfer but they advised me to speak with zelle cause there was nothing to do on their end. So I called zelle to try to get my refund due to this event being a scammed situation. They said they couldn't do anything and that to go to my bank and ask if they can cancel the transaction. But I never got my money back even involved the police to help me catch the guy that scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

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 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 2025-01-15 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: NC

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 my experience, where Experian has neither corrected nor remove

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 2025-01-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing in to dispute inaccurate personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information in a consumer 's credit report. The following information is incorrect : - **Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please investigate and correct these errors immediately. I have enclosed copies of my identification and Social Security card to verify my correct information. 
Thank you for your prompt attention to this matter. 

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 2025-01-15 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information reported on my TransUnion credit report. Despite my repeated efforts to dispute these inaccuracies directly with TransUnion, no action has been taken to address my concerns or provide proof of an investigation. 

Accounts in Question : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  ( installment account ) XXXX XXXX ( revolving account ) XXXX XXXX XXXX XXXX Actions Taken : XXXX. XX/XX/2024 : I sent my first written dispute letter to TransUnion, requesting an investigation into the above accounts. I clearly outlined that the information being reported is inaccurate and requested : Proof that an investigation was conducted.

Verification and documentation proving the accuracy of the reported information. 
A deletion of the accounts if verification could not be provided. 
XXXX. XX/XX/2024 : I sent a follow-up dispute letter reiterating my request for a reinvestigation, verification, and correction or deletion of the disputed accounts. I also restated my demand for proof that the reported information was accurate and properly verified. 

TransUnions Lack of Response : To date, TransUnion has not provided any documentation or correspondence to confirm that an investigation or reinvestigation was conducted. Additionally, I have not received proof that the reported information is accurate, as required under the Fair Credit Reporting Act ( FCRA ). This lack of action and communication violates my rights as a consumer and has caused undue stress and harm.

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 2025-01-15 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: NY

Complaint narrative:
A collection agency reported an account on my credit report from an account that I never had.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries in Dispute : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE 360 Savings account markets a 4 % high yields savings account. I do not receive that because they changed it without informing me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/year> I noticed unusual activity in my saving account, one that I only used for emergencies in college. There were Zelle transactions for {$400.00}, {$200.00}, and {$300.00} to an XXXX XXXX on XX/XX/XXXX that I never authorized and a {$1000.00} Zelle transaction on XX/XX/XXXX to an XXXX XXXX that I never authorized. When I reached out to my bank they told me to reach out to Zelle where they told me there was nothing I could do but open new accounts and change my passwords.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
I am writing to formally express mu 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 transaction 's 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 2025-01-15 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: CA

Complaint narrative:
On XX/XX/year>, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. They replied, saying, We do not report any bankruptcies to anybody. If thats true, how did the credit bureaus claim my bankruptcy is 100 % accurate? They didnt follow the law and didnt do a proper investigation, as required by **15 U.S.C. 1681**.

How They Broke the Law : 1. **No Proper Investigation** Under **15 U.S.C. 1681 Section 603 ( 3 ) ( E ) **, an investigation is supposed to include checking with people who know me or have information about me. They cant just rely on other creditors or reporting agencies. The credit bureaus didnt do this.

2. **Right to Privacy** According to **15 U.S.C. 1681 Section 602 ( a ) **, I have the right to privacy. The credit bureaus ignored this right.

3. **No Permission Given** Under **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) **, theyre not allowed to share my information without my written permission. I never gave them permission.

4. **False Information Reported** **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** says that no one is allowed to report wrong information if they know its not accurate or have a reason to doubt it. My bankruptcy wasnt verified properly, so they broke this law too.

The credit bureaus didnt follow the rules and violated my rights. They didnt check the facts, and their mistakes caused harm to me.

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 2025-01-15 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: CA

Complaint narrative:
On XX/XX/year>, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. They replied, saying, We do not report any bankruptcies to anybody. If thats true, how did the credit bureaus claim my bankruptcy is 100 % accurate? They didnt follow the law and didnt do a proper investigation, as required by **15 U.S.C. 1681**. 

How They Broke the Law : 1. **No Proper Investigation** Under **15 U.S.C. 1681 Section 603 ( 3 ) ( E ) **, an investigation is supposed to include checking with people who know me or have information about me. They cant just rely on other creditors or reporting agencies. The credit bureaus didnt do this. 

2. **Right to Privacy** According to **15 U.S.C. 1681 Section 602 ( a ) **, I have the right to privacy. The credit bureaus ignored this right.

3. **No Permission Given** Under **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) **, theyre not allowed to share my information without my written permission. I never gave them permission.

4. **False Information Reported** **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** says that no one is allowed to report wrong information if they know its not accurate or have a reason to doubt it. My bankruptcy wasnt verified properly, so they broke this law too. 

The credit bureaus didnt follow the rules and violated my rights. They didnt check the facts, and their mistakes caused harm to me.

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: NJ

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am challenging the accuracy on my credit report for Acct # XXXX with XXXX XXXX XXXX again for the for the fifth or sixth time. I have uploaded a copy of my consumer report showing inaccurate late payments that are reporting 30 ,60, 90 and 120 days late with XXXX  but equifax reporting the payment was paid and ok and instead of XXXX  credit bureau 's stating the same thing they are reporting differently, and this is hurting my chance of getting approved for an apartment and a car and indefinitely hurting my creditworthiness. I also see two different dates of my last payments from two different credit bureau 's which makes no sense and I ask that you update and correct my credit report stating paid as agreed and remove all late payments being shown on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am challenging the accuracy on my credit report for Acct # XXXX with XXXX XXXX XXXX again for the for the fifth or sixth time. I have uploaded a copy of my consumer report showing inaccurate late payments that are reporting 30 ,60, 90 and 120 days late with experian but XXXX reporting the payment was paid and ok and instead of XXXX  credit bureau 's stating the same thing they are reporting differently, and this is hurting my chance of getting approved for an apartment and a car and indefinitely hurting my creditworthiness. I also see two different dates of my last payments from two different credit bureau 's which makes no sense and I ask that you update and correct my credit report stating paid as agreed and remove all late payments being shown on my consumer report.

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 2025-01-15 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: VA

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 infeasible. 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 2025-01-15 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: FL

Complaint narrative:
Iam 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 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was affected by this breach and don't want this affect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation