vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax for their failure to accurately reflect my account balances on my credit report, despite my creditors confirming that they are reporting my account information regularly. 

For the past XXXX months, I have been attempting to resolve this issue directly with Equifax. Despite my efforts, the balances for multiple accounts on my Equifax credit report remain incorrectly displayed as {$0.00}, which is not an accurate reflection of my credit profile. This misrepresentation has negatively impacted my ability to present a true and accurate credit history. 

Actions Taken : XXXX. I contacted XXXX XXXX XXXXXXXX XXXX, o

ne of my creditors, to verify whether they are reporting my account information to Equifax. They confirmed that they have been reporting my account balances and activity regularly and provided documentation to this effect. 2. I raised multiple disputes directly with Equifax over the past several months, but they have failed to resolve the issue or provide an adequate explanation for the inaccuracy. 

Harm Caused : Equifaxs failure to report accurate information has caused significant harm, including but not limited to : Misrepresentation of my credit profile, which could affect my creditworthiness.

Frustration and wasted time in resolving a matter that should have been addressed promptly.

Requested Resolution : 1. I request that the CFPB investigate Equifaxs failure to accurately update and reflect account balances reported by my creditors.

2. I ask that Equifax immediately correct the inaccuracies on my credit report to reflect the information provided by my creditors.

3. I request a formal explanation from Equifax regarding their handling of this matter.

Attached to this the current screenshots of the mi reporting of balances as XXXX. This serves as evidence of Equifaxs reporting failure.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that Equifax corrects this issue promptly.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Re : Dispute of Charge-off/Collection Account I am writing to formally dispute the reporting of a charge-off/collection account under on my XXXX credit report. I initially filed a dispute regarding this inaccurate information, yet no proper investigation was conducted. As a result, I am left with incorrect and damaging information on my credit report. 

Furthermore, I have never received a Form 1099-C, which should have been provided if the debt had indeed been canceled or written off, as required by law. This lack of documentation and transparency is deeply concerning, and I believe that XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not investigating the matter appropriately. 

I am now aware that legal action is being taken against XXXX regarding these very issues. Given this new development, I urge you to conduct a thorough review of my dispute and remove the inaccurate and unverifiable charge-off/collection account from my credit report immediately. 

Please confirm receipt of this letter and provide me with a resolution within 30 days as required by law. If you require any further information, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request an immediate freeze on my credit report due to unauthorized transactions and inaccuracies caused by a recent data breach. I have noticed discrepancies and unauthorized activities on my credit report, which have raised concerns about the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I reported in XXXX of XXXX that I had unverified payments sent through XXXX through both my XXXX and Chase account totaling almost {$4000.00} that had happen in XX/XX/XXXX. They let me know that nothing would be protect this money and that there was nothing they could do. I was quiet upsetting as they closed this case.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX  that has no credit history. After applying for student loans, it was discovered there were some items I'm not familiar with on my credit. I reached out to the companies they were very rude and unhelpful. I reached out with my financial aid officer next to me. Followed all steps they provided. The fraudulent accounts are still on my credit report. I can't afford to have a credit card or any equipment they say I have because I'm a XXXX XXXX, XXXX XXXX XXXX. The accounts were open fraudulently.

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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MI

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 2025-01-16 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: Experian Information Solutions Inc.
State: MI

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 removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage is the servicer of my mortgage company XXXX XXXX. Bank XXXX XXXX sold the mortgage to them in XX/XX/year>. It has been, and still is on autopay. I receive more than XXXX letters a XXXX  from Shellpoint stating my mortgage is delinquent. They have reported to the credit bureau that my loan is delinquent. I have had XXXX XXXX XXXX XXXX on this home for XXXX  years and have uploaded proof to their portal multiple times. They have placed forced insurance on my loan and have been taking unauthorized payments from my mortgage payments to pay for their forced insurance without my consent even though I have provided them, through their portal, and have started foreclosure proceedings against me. I pay over XXXX a year for taxes and insurance in addition to my monthly payments and have never been late with a payment for the life of this loan.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain 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
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: SC

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

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have submitted a power of attorney as agent for my mother as principal, which has been rejected multiple times. My mother is of suitable capacity to make her own decisions and signed the power of attorney with a valid notary. I also signed the document in front of a valid notary. 

My mother and I visited the Bank of America XXXX at XXXX XXXX in XXXX NJ on XX/XX/XXXX in person and the power of attorney was rejected while we were in the branch ( rejection letter attached ). As per the rejection letter, we submitted the additional documents requested ( even though they weren't legally required ). These additional documents included affidavits from XXXX barred New York and New Jersey XXXX. On XX/XX/XXXX I went into the same branch again and was told I needed to make an appointment again in person to process a power of attorney. I returned in person on XX/XX/XXXX only to have the power of attorney rejected again ( attached ). 

The form used was the latest statutory short form for New York Powers of Attorney available on the New York XXXX XXXX XXXX website. It is a valid power of attorney under XXXX XXXX  XXXX law. The claims by XXXX  XXXX XXXX are being used to reject a valid legal document, which has been examined and confirmed as valid by multiple attorneys. I have also included a copy of the relevant statute in my attachments. I have spent almost a month trying to get this approved to protect my mother from scammers who XXXX try to use fishing schemes to get her to transfer money from her account. Elder fraud is a very well known and documented issue and Bank of America is actively preventing me from assisting my mother in this regard.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, my Citibank account was unfairly blocked. When I contacted customer service, I was informed that they needed to verify my identity by sending a verification code to the mail box associated with my account. However, more than a month has passed, and I have not received the code despite multiple follow-up attempts on my part. 

I have called Citibank customer service several times, but I have not received a clear resolution or a reasonable explanation for the delay. Meanwhile, the account blockage has caused significant inconvenience, such as my inability to make essential payments, rejected automatic transactions, and fees incurred for those rejected payments. This situation has not only disrupted my financial stability but has also caused emotional distress due to the frustration of being unable to access my funds

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: 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:
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 XXXX XXXX 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. 
I want the

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
XXXX XXXX  XXXX Balance {$15000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused CREDIT COLLECTION SERV Balance {$360.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused CREDIT COLLECTION SERV Balance {$310.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$4000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$280.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused

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 transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns Regarding XXXX 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 is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers, but has also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation