vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Zelle not being able to confirm the person I sent money to and if it was the wrong person there was nothing Zelle could do about it even if it was an honest mistake sent to the wrong person it couldnt be reversed thru Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I zelled the wrong person {$250.00} and it went to the wrong number. I tried to contact the person and they would not send the money back. I reached out to my bank and they told me they couldn't do anything about it ( Wells Fargo ) I reached out to their bank ( XXXX ) and they told me they couldn't do anything about it.

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 2025-01-23 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: WV

Complaint narrative:
I want reported accounts to be removed. 

XXXX department Loans

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 2025-01-23 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 to formally express my concerns with Zelles handling of disputes, particularly in light of CFPBs lawsuits 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 recovering these lost funds is impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 2025-01-23 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/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 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I currently am still in myXX/XX/XXXX program and out of nowhere have received a past-due notice today from Mohela for over 60 days for the amount of {$3700.00}. I never received bills from them in fact I received a forbearance letter this past XXXX while I am still in school. I am not getting bills that I owe {$630.00} a month. I was just on the site In XXXX where i showed a {$0.00} balance and now I owe {$3700.00} for 5 months past due and now new monthly bill. I can not afford this. I have called Mohela numerous times only to be left on hold for hours to no answer and unresponded emails. I can not afford this payment and never went over my repayment options or was given a chance. Not being able to contact them is the most frustrating part. I do not know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion 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, TransUnions 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 the account is accurate, without providing any evidence of & thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion '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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive mark as inaccurate XX/XX/year>2024, XX/XX/XXXX ( Late payment )

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 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase closed my account and I had {$1800.00} in my account that I needed for rent. They did not give it back and this happened in XXXX of 2024. I still have not received my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit card bill with XXXX XXXX XXXX is showing beyond 30 days late. I am never late with my payment. All my payment history has been XXXX XXXX for the past XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NJ

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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( 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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency : XXXX XXXX Amount Past Due : {$260.00} Account Number : XXXX XXXX Account Status : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX & XXXX, which mandates a reasonable investigation of disputes. Futhermore, XXXX XXXX actions may also contravene the XXXX, XXXX U.S.C. XXXX ( 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 XXXX complies with the Federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX & XXXX, which mandates a reasonable investigation of disputes. Futhermore, XXXX XXXX actions may also contravene the CFPA, XXXX U.S.C. XXXX ( 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 XXXX complies with the Federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act this creditor has violated my rights. Under XXXX Section XXXX Section ( 602 ) states : I have the right to privacy. XXXX XXXX Section 604 ( A ) Section 2 it also states a consumer report agency can not furnish my account without my written instructions. Under XXXX ( XXXX ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This issue has been ongoing for the past XXXX years and I have called and spoken with Citibank more that ten times about it. The issue is, each time I make a large purchase, the bank applies an authorization to the account and when the merchant decides to collect the funds, the bank takes the money out of the account but leaves the authorization still pending. This problem has never happened with any of my other bank accounts. Interestingly, this does not appears to happen with small amount ( Less than {$100.00} ) or when the amount in the account is barely covers the authorization. For example, recently, I made a purchase for approximately {$1500.00} on XXXX. The merchant collected the funds about 3 days later. The authorization is still pending in the account and I do not have access to that {$1500.00}. In other words, Citibank choose to remove an additional {$1500.00} from my account. This is clearly a violation of US Consumer Law. The bank on several occasions made the claim that the reason this happened is due to the account being locked. Contrarily, last when my account was only about {$100.00} and I made a {$90.00} purchase, the funds were taken out of the that authorization. In the meanwhile, the account has been locked. This is illegality has to stop. I am unable to make any purchases with the remaining about in my account because Citibank choose the deprive me of my {$1500.00}.

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 explanation
Consumer complaint received 2025-01-23 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:
All three Credit bureau are reporting that I have an bankruptcy on my credit report but, when I contacted the us bankruptcy court they notified me that they do not report public records for this to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I chatted with Bank of America regarding an unauthorized charge on my business debit card. On XX/XX/XXXX there was a charge for {$980.00} from XXXX that showed up on my account. 

I contacted bank of America and filed a claim, after a week or two, I contacted Bank of America who said they approved the provisional credit for the amount and that it should reflect on my account on XXXX XXXX However the day has come and nothing is deposited as promised. Bank of America is having a hard time even finding the claim I had filed which is fascinating as an agent just last week saw the claim and the approval for the provisional credit I filed a police report and have been waiting for Bank of America to reach out so I can help provide the details I am please requesting for help from Bank of America to forward the promised provisional credits on my account Claim # 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 2025-01-23 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Formal Dispute of Inaccurate Information & Unauthorized Hard Inquiries Account Number : [ Include if Applicable ] I am writing to formally dispute inaccurate and unauthorized information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681i . I have been a victim of identity theft and fraudulent activity, which has resulted in unauthorized hard inquiries, inaccurate accounts, and a collection account appearing on my credit report. These inaccuracies are severely damaging my creditworthiness. 

Inaccurate Collection Account The following collection account is inaccurately reported : XXXX XXXX XXXXXXXX Balance : {$2900.00} Status : Collection Account Past Due as of : XX/XX/XXXX I do not owe this amount and demand its immediate removal. 

Unauthorized Hard Inquiries The following hard inquiries were made without my knowledge or authorization, in violation of 15 USC 1681b, which requires permissible purpose : XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I demand the immediate removal of these unauthorized hard inquiries. 

Fraudulent Accounts Additionally, the following accounts were opened fraudulently : XXXX. XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Status : Closed with {$200.00} past due as of XX/XX/XXXX XXXX. XXXX  Listed under XXXX with an inquiry date of XX/XX/XXXX. 

These accounts were not opened by me, and I am requesting they be removed. 

Credit Bureau Obligations Under 15 USC 1681i, you are required to investigate my dispute within 30 days of receiving this letter. Additionally, you are obligated to correct or delete any inaccurate, incomplete, or unverifiable information. Failure to do so violates federal law and my consumer rights. 

Supporting Documentation I have attached the following documents to assist with your investigation : 1. A copy of my ID and proof of address.

2. Copies of my credit report highlighting the disputed items.

3. Any supporting documents related to my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
I am filing a complaint against Equifax for a failing to improperly. 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 thorough investigation. This practice violates the fair credit act reporting. Which mandates a reasonable investigation of disputes? Furthermore, Equifax actions may also contravene.The consumer financial protection act as highlighted in the cfp b 's recent administrative Proceedings against them similar violations.I request that CFP b take action to ensure Equifax.Complies with the federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

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 2025-01-23 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: NY

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 the platform. Despite using numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims properly. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. 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