vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/year>, and imposter texted me from a XXXX digit phone number with a fraud alert regarding a XXXX transaction that I did not make. After saying XXXX that this was not an authorized transaction, I received a phone call from a phone number that was masked as Chase Bank stating that there was fraud on my account. They had me change my log in information, and sent me through the prompts of deactivating my phone number from XXXX. Meanwhile, my husband called Chase bank stating that his wife ( me ) was on the phone with someone stating they were from the bank regarding fraud. The Chase employee opened the account and said that someone was working on the account, and told him there was no worry. The scammer had me send them a XXXX digit XXXX verification code, which in turn allowed the scammer to take over my XXXX account. I transferred {$2000.00} to XXXX of my XXXX recipients and they informed me to have the XXXX recipient send it back ( that this would trigger a XXXX XXXX for my fraud claim ). I never received the money back, and it did not show up on my account but the chase banker ( scammer ) said it would show up in XXXX hours. They stated that whoever had my account was attempting to XXXX scam my account again, and had me send another {$2000.00} to a different XXXX recipient. The new XXXX recipient was informed to send the money back to me, which I didnt receive again. My husband called Chase bank AGAIN and that banker informed him to have me immediately hang up. I filed a claim in person with Chase bank regarding the fraud, they did an investigation and stated that I allowed the money to be sent back and forth, and it was my own negligence. I opened the claim for further review a second time and was denied and never received any of my money back. I stated that the first {$2000.00} sent would have been negligence on my part, but when a Chase Customer Service Representative states that someone is working in my account and that there was nothing to be concerned about, I used that information and continued to send the additional {$2000.00}. Chase had no regard for their negligence in this matter and were not concerned with getting my money back or finding the scammer who did this to me so I could file charges.

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: NY

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 2025-01-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request assistance in updating my personal information with Transunion, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date.

Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXXXXXX XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Transunion but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.

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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I read with great interest and excitement your filing against Capital One XXXX XXXXXXXX Account interest rates. XXXX XXXX XXXXXXXX I learned about a year ago that my account, which I opened as an ING Savings account in XXXX was not earning the interest that I thought it was, and eventually concluded that the solution was to open a new account and transfer my money from XXXX XXXX XXXX. The money in this particular savings account was a small windfall -- some proceeds from the sale of my grandparents home after they died -- and in XXXX earned about {$2000.00} in interest. In XXXX, XXXX, XXXX, and XXXX, this account earned about {$150.00} each year or {$600.00} total. ( I'm looking at my old XXXX on the bank 's website here. ) I know that the interest rates climbed during this period, and I also know that this is not make-or-break sums of money for my family, but still, it would have been so much nicer if I earned that money, like the ads I saw on TV suggested I was, rather than Capital One just keeping it for themselves. ( Actually, my assumption was that Capital One wanted to show off how many NEW accounts they had opened and so they were forcing people to start new accounts, I didn't realize I was being so deceived, as your complaint suggests. ) I also know that realistically, I'm never going to see that money that I earned, and so this message is my only reward. 

So I'll just say THANK YOU for fighting to regular people like me, and keep working hard each day to protect the XXXX XXXX  of our country. I'm so proud of the work that you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
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 systematic 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 such as 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 Experians 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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom This May Concern, A copy of the original contract or original purchase agreement that created the alleged debt If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain ownership must be from the original creditor to the current alleged owner without any break in the chain. 
Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status. 
If any interest or fees have accrued to been added on the balance, please send proof that such proof that such fees are lawful and agreed upon in the original purchase agreement.

Proof that you are legally allowed to collect on alleged debts in the state of Florida, including your third-Party Debt Collection Bond.

Also send proof that you sent the legally required notices to me before reporting to alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking you firm maintains. FTC XXXX XXXX  XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: CO

Complaint narrative:
XXXX ) Midland Mortgage has been unable to maintain an autopay payment system for me for years. They are also unable to communicate with me via email ; insisting on sending printed letters. I try to get this fixed through their system at least every quarter. 
I just received a letter in the mail from them saying I was behind on my XXXX and XXXX payments, so I made it verbally over the phone with a condescending and smug person. Missing those payments happened because in XXXX I had to cancel my autopay and make a manual payment because they could not set up autopay for me. I have every other payment I make, to every other institution, on autopay and periodically Midland also has autopay functioning for me, so I missed that I had to manually make a payment. And they did not notify me of anything until today. When I asked why there was an extra XXXX XXXX charge on my account the person said ~ $ XXXX was late fees. When I asked for the reason for the remainder she said I had an outstanding balance of XXXX XXXX XXXXXXXX. I had never heard of that until today, and that does not show up in my account with them. She said she could not explain what that amount was from, or why, because it dates back to XXXX XXXX XXXX Since they can not identify or explain that amount, or show me any documents pertaining to it, I feel it is a mistake on their part. This is consistent with the continual mistakes they make that require me to monitor my account and take action almost every month.

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 monetary relief
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: CA

Complaint narrative:
I am formally writing to express my concerns on how Zelle company do business or have been doing business. Also, and the way they have addressed my claims. particularly with the recent lawsuit from CFPB that highlighted significant issues in the platform. Despite of using Zelle on different occasions and reporting the discrepancies to my financial institution, and Zelle, which they both have failed at investigating my claims adequately. They both informed me that recovering lost funds and tracking them was impossible. Which it has allowed repeat offenders to exploited the platform/system. This leaves users like me and thousands of others vulnerable to a scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a dispute against Midland Credit Management regarding several concerns. They have been contacting me after XXXXXXXX XXXX which I consider to be harassment, demanding payments for a debt that I have no knowledge of. I am unaware of the origin of this debt and can not identify the purchases or charges they are referring to. 

In addition to these calls, I have received numerous threatening letters at my home, indicating that they are preparing to escalate the matter to legal action for a balance of {$940.00}. Despite responding to their calls, I have found their representatives to be unprofessional and rude when I inquire about the details of the alleged debt. They have been unresponsive to my questions and continue to call throughout the day, often interrupting my work. 

I am requesting that this matter be investigated and that the necessary actions be taken to resolve the situation.

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: MD

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

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: NY

Complaint narrative:
Remove all accounts reported because of inaccuracy

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: IN

Complaint narrative:
When Zelle started I had numerous times small to large transactions that did not have company names remove money from account. Thinking it was a purchase made I spent a deal of time back tracking purchases but there has been a lot of times I have not found resolution because company names did not make sense. There a have been times where the bank has stopped transactions but if it went through already there was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Thrift Investment Corp.
State: NJ

Complaint narrative:
i cosign for a car and made the payments. I moved out and the person who i cosigned for wasn't keeping up with the payments and i told i'll pay for it if they could transfers everything in my name because they original loan holder couldn't or didn't want to make the payments. I paid them the XXXX and they never gave me the car. we gotten the car for vip outlet in XXXX i can not remember the name of the bank but i did have them removed from my credit report. this was in XXXX...

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

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX XXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX XXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
On XX/XX/year>, I noticed an error in my account balance after a transfer through Zelle. The transaction was not reflected in my account and the amount was deducted from my checking account but not deposited into my savings account. I contacted my bank and they stated that the issue was through Zelle when I contacted Zelle they were not willing to disclose information because the phone number is not listed as mine in their application. When I stated my number they told me I have to call my phone line service to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 — 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 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. I was informed 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