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

Complaint narrative:
Im 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 Zelle numerous times & reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was infeasible. 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. It is really unacceptable and raises concerns about customer 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: 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 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 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, XXXX '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 XXXX complies with 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: 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: IL

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 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, XXXX '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 XXXX complies with 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: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had made my credit card payments on time and XX/XX/XXXXreported late when i didnt make late payments at all. I disputed it with them and they still didnt remove it after i spoke to my credit cards landers.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Since XXXX, XXXX  has been sending wrong balance to about my credit card to the credit bureaus. Every time I call about the problem I get different kind of answers and the problem is not solved. 

Example. 

My XXXX statement balance was XXXX ( XXXX  ) dollar. XXXX week after the statement was issued, the reported a balance of {$100.00} to the credit bureau. When I called the, a representative told me that another report was sent to the bureau, the report should be updated in XXXX or 3 days. When I called again after 10 days, because there was no update, another representative told me that they don't the statement balance but the current balance on the card, this is not how it normally works. I asked to talk to a supervisor, that guy confirm that only the statement balance should be reported. the problem was not fixed for the whole month of XXXX. 
Now my XXXX statement balance is {$31.00}. It was reported correctly on XX/XX/XXXX or XXXX. But on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that i owe {$990.00}. I called again, filed dispute I am still waiting for answer. that time I credit score dropped by XXXX points. While i am waiting for this to be solved, XXXX  reported to the bureaus on XX/XX/XXXX that I owe {$1400.00}. My score drops again by XXXX point. I call XXXX XXXX and transunion again they keep telling the same things ( that this shouldn't be like this ), but nothing has changed and I continue to be the victim of their wrongdoing.

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: IN

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 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, XXXX '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 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, XXXX '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 XXXX complies with 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: IN

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 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, XXXX '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 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, XXXX '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 XXXX complies with 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: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XXXX, I opened a Tiered savings account online with Barclays bank and started the process to transfer {$250000.00} to the account with and external bank link. A few days later on XXXX the transfer occurred. That same day I tried to link XXXX other bank accounts to this new account. On XXXX Barclays restricted my account without telling me. I called their XXXX number on XXXX and after difficulty understanding the woman I was speaking with, she told me I need to email a copy of my drivers license and the bank statements to XXXX to prove I owned the accounts. I immediately did so. On XXXX, I saw that the mini deposits and withdrawals had been made to both accounts so tried to log on to Barclays to finish linking the accounts. Unfortunately, I got the same screen saving my account was restricted and to call the XXXX number, which I did. I wa told again that I needed to send in the documents. I told them I had on the XXXX. She checked and said yes they had come in. I asked when my account would be unrestricted and was told it would take 10 business days to review the documents, even though they had already deposited and withdrawn from both accounts. I asked to speak to a supervisor. She checked and said none were available, but she could put in a ticket, and one would call me in 24 to 48 hours. I then asked her to close the account and return the money to the linked external account. She proceeded to prepare a ticket to do so and told me it would be 3-4 days to return the money. I hope and pry they actually do return the money. They are a bad bank to deal with and all should know this.

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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint to bring attention to Santander Consumer USAs willful violations of the Fair Credit Reporting Act ( FCRA ) and to request your assistance in enforcing corrective action. Despite multiple efforts to resolve this matter, Santander has not only failed to comply with FCRA regulations but has also caused substantial harm to my credit profile and financial well-being. 

Background of the Issue : The account in question ( Account # ending in XXXX ) was initially settled in full through : An insurance payout resulting from a car accident. 
A settlement agreement for the remaining {$420.00} balance, which {$180.00} was paid as agreed to close out the account.

However, Santander Consumer USA reported this account as OPEN/60 DAYS PAST DUE for an extended period and included multiple false late payments on my credit report. These inaccuracies violate FCRA provisions, including the duty to report accurate information ( 15 USC 1681s-2 ).

Santanders Response and Ongoing Violations : In a letter dated XX/XX/year>, Santander admitted to discrepancies in the reported amounts. Despite acknowledging the original finance amount of {$14000.00} ( not {$16000.00} as reported ) and providing documents supporting my claims, they failed to address the critical issue : They refused to delete the account entirely, even though the inaccurate reporting caused significant harm to me as a consumer. 
The late payments, which were based on inaccurate balances and mismanagement of billing, continue to impact my credit report negatively. 

Specific FCRA Violations : 15 USC 1681s-2 ( a ) : Duty of Furnishers to Provide Accurate Information Santander knowingly reported inaccurate information, including false balances, past-due statuses, and late payments.

15 USC 1681s-2 ( b ) : Duty of Furnishers to Correct and Update Information Even after being notified of these inaccuracies, Santander failed to promptly and fully correct the account, leaving damaging and false information on my credit report.

15 USC 1666 : Billing Errors and Late Payment Protections Santander reported late payments without providing evidence of timely delivery of billing statements, a direct violation of Section 1666.

Class-Action Precedent Santanders history of willful non-compliance with consumer protection laws further demonstrates a pattern of negligence that directly harmed me. 
Harm and Impact : Santanders reporting practices have caused me : Financial harm : Reduced credit scores leading to higher interest rates and credit denials. 
Emotional distress : Ongoing frustration and stress from fighting to have my rights upheld.

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: LEXISNEXIS
State: IL

Complaint narrative:
a few years back I disputed a marriage record on my LexisNexis report. The marriage records states that I was married XX/XX/XXXX I was XXXX XXXX XXXX, and I never lived in Florida. LexisNexis refuse to delete the record along with addresses that are pertaining to Identity theft and names that are not my name. LexisNexis feels that they can keep information on my report that does not belong to me nor is it connected to my name. LexisNexis has about 10/15 addresses on my report that where I never lived one of the addresses was a Post Office and one did not even exist in XXXX LexisNexis needs to be fully investigated. My name is XXXX XXXX XXXX not XXXX XXXX XXXX not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX, and the list goes on and on.

Company response to consumer: Closed with non-monetary relief
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: CITIBANK, N.A.
State: TX

Complaint narrative:
On Thursday XX/XX/year>, persons impersonating Citibank staffers contacted joint account holder regarding potentially fraudulent charges to her card and cited a variety of both legitimate and unauthorized charges. 

The primary account holder then received a text notification indicating that a {$5000.00} XXXX payment was being processed. At no time did either of the account holders initiate, authorize or confirm a XXXX payment on XX/XX/year>. Receipient is a person unknown to either account holder. A call was made to Citibank fraud department on XX/XX/XXXX within hours of the initial text calling attention to the transaction and indicating that the XXXX transfer was not authorized and the recipient unknown to the account holders. XXXX was also contacted, and they referred the account holders back to Citibank. A police report regarding this incident was filed with the XXXX XXXX XXXX XXXX in Texas. 

This is with Citibank and claim number is XXXX. They provided me with results of investigation which were summary and incomplete, including an indication that they contacted the recipient but no information on the nature of that contact nor how they were convinced by this person unknown to the account holders that the transfer was legitimate. Seems to be a formulaic reply

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The impact of the inquiries from your company on my credit report has been ongoing and harmful.

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 — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> - MY CHECKING ACCOUNT WAS HACKED!!!! VIA ( 2 ) ATM. WITHDRAWLS IN THE AMOUNT OF {$500.00} EACH. 

MY RENT IS DUE ON THE XXXX OF THE MONTH- MY ACCOUNT AS OF XX/XX/XXXX HAD {$2100.00}. MY RENT AMOUNT IS {$1300.00}. 

AS A RESULT MY RENT CHECK WAS REJECTED BY CHASE FOR INSUFFICIENT FUNDS AND I WAS CHARGED {$60.00} INSF FEE AND {$120.00} FOR THE LATE RENT! 

I WAS GIVEN A ( XXXX ) DAY NOTICE TO VACATE MY APARTMENT ALONG WITH THE LETTER OF ADDITIONAL CHARGES. I HAD TO PAY {$1500.00}. I DRAINED MY SAVINGS TO DO SO. I HAVE A LATE RENT ON MY CREDIT REPORT AND FEES THAT I SHOULD NOT HAVE HAD TO PAY TO MY LANDLORD FOR RENT THAT SHOULDNT HAVE BEEN LATE OR INSUFFIENT!!!!! 

THE BANK HAS REPEATEDLY REFUSED TO GIVE ME MY MONEY BACK. THEY WILL ONLY GIVE THE {$1000.00} THAT WAS STOLEN. THEY SAID BECAUSE THE CHARGES CAME FROM MY LANDLORD THEY DON'T HAVE TO GIVE ME MY MONEY BACK! 

ITS THEIR FAULT TO BEGIN WITH FOR ALL OF THE PROBLEMS I AM NOW FACED WITH. IM TRYING TO GET A MORTGAGE AND THIS IS A HIT TO MY PERFECT RENT PAYING HISTORY FOR OVER 50 YEARS OF TIMELY RENT PAYMENTS. 

I BEGGED AND PLEADED WITH THEM - I TOLD THEM ALL OF THIS IS BECAUSE SOMEONE WAS ABLE TO HACK THEIR BANK!!! MY MONEY SHOULD BE SAFE IN EVERY BANK! 

CAN YOU PLEASE HELP ME FIX MY CREDIT- REQUEST THE BANK TO GIVE ME MY {$180.00} IN CHARGES THAT ACCRUED BECAUSE OF THEIR POOR SECURITY? 

THEY REFUSED TO DO ANYTHING AND MADE IT PERFECTLY CLEAR IN THEIR RECORDED CONVERSATIONS ... THEY COULD CARE A LESS ABOUT THEIR CUSTOMERS AND OR WHAT HAPPENS AS A RESULT OF THEIR NEGLIGENCE IN PROTECTING PEOPLES MONEY. 

TO CONCLUDE THIS MESSAGE- I AM UNDER THE CARE OF A PHYSICIAN FOR PAIN - MY MEDICAL CONDITION CAN NOT HANDLE THE STRESS THAT THIS BANK AND ( THEIR TOTAL LACK OF CARE OR CONCERN ) AS I WAS PUSHED TO THE VIRTUAL LIMIT AS HEARD ON THE RECORDED CALLS. I HAVE VERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I REALLY NEED YOUR HELP!!! THANK YOU FOR YOUR TIME.

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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion has violated my rights when it comes a public that is on my credit report Bankruptcy. I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. There was letter of verification requests to all credit bureaus certified, documents along with a proven delete report from XXXX XXXX for their file in XXXX and the most recent XXXX in XXXX along with drivers license social security SSN proof of residence, proof of certified receipts, statement letter of my legal name change to XXXX XXXX is pending and an actual proof letter of request to bankruptcy court and the response from bankruptcy court. The only response Ive received in return was nothing stall letters from all credit bureaus. All the credit bureaus are doing copy any paste off each others information without any research which is illegal, falsifying information, plagiarism and can lead to major lawsuits. My question is where did they get their information from if XXXX XXXX found the mistake deleted and the letter from the courts states that they don't give out that kind of information And according to the fair credit reporting act Whenever a reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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