vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.XXXX  is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice i have a fraudulent account on my report.please remove thes account from my credit report is hurting 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 non-monetary relief
Consumer complaint received 2025-01-22 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 had 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 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 2025-01-22 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: AL

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 Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: MD

Complaint narrative:
unauthorized transfers were not investigated, I did not receive refunds I was entitled to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXXXXXX XXXX which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and the regulations governing the responsibilities of furnishers of information. Specifically, XXXX XXXX XXXX is inaccurately reporting a charge-off as a debt on my credit report, when the IRS clearly defines a charge-off as gross income ( canceled debt ). This is causing significant harm to my credit score and financial well-being, and I am requesting the CFPBs intervention to resolve this issue. 

XXXX XXXX XXXX XXXX XXXX, and Citibank is inaccurately reporting a charge-off on my credit report. While charge-offs are defined by the IRS as canceled debt, and such canceled debt is reported as gross income on tax returns ( via Form 1099-C ), this debt is being reported inaccurately as a liability, which is incorrect. As per IRS guidelines, a charge-off should not be listed as a debt on a credit report, but rather as income, if applicable. 

I would like to bring your attention to the following legal provisions : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : According to this section of the Fair Credit Reporting Act ( FCRA ), a furnisher of information, such as XXXX XXXX XXXX XXXX  Citibank, XXXX, and XXXX are prohibited from reporting inaccurate information to consumer reporting agencies. 
15 U.S.C. 1681s-2 ( B ) : If a furnisher, like XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Citibank has been notified that the information is inaccurate and it is indeed inaccurate, they are prohibited from continuing to report that information. 
IRS Guidelines : The IRS defines a charge-off as gross income ( canceled debt ), which is to be reported on a taxpayers return as income, not as a debt or liability. 
By continuing to report this charge-off as a debtXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and Citibank is violating these provisions and the FCRA. 
I have disputed the charge-off with the credit reporting agencies ( XXXX, XXXX, and XXXX ) multiple times, but the inaccurate information remains. Despite these disputes, the charge-off continues to be reported as a debt on my credit report, and I have received no satisfactory resolution from the credit bureaus or from Bank of XXXX XXXX XXXX, XXXX, and Citibank directly.

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 2025-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: E Mortgage Capital, Inc.
State: AZ

Complaint narrative:
I had found a company online while looking for FHA lenders. E mortgage contacted me by text and scheduled me a meeting earlier in XXXX. During that meeting I was asked for multiple things including my social, working company, pay information etc. I was told I would be getting a email requesting physical information to continue the process for FHA assuming my responses qualified me for the loan process. However I never received the email for the information to continue the process and the person from the company I emailed maybe 5 times asking him for following up. I contacted the company by the text message informing them the advisor took my information and never contacted me back. I contacted the BBB informing the company of what took place. I have no responses from either entity for response. I emailed the advisor again last night informing him if I was not contacted by today after all my attempts I will be contacting state. However I will do that after this complaint process. If someone isn't a candidate then it should be stated. However I was lead and told to believe all my answers were valid for FHA loans. I gave all my personal information with no purpose.

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 2025-01-21 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: 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. 
XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX I looked at My Transunion credit Report And Notices some things are inaccurate and missing according to the fair credit reporting act Whenever a consumer 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 generallf, 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 suppose 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. 

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-01-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 's 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 non-monetary relief
Consumer complaint received 2025-01-22 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: TX

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

1. The XXXX XXXX XXXX XXXX Acct # XXXX. 
2. XXXX XXXX XXXX. Dated : XX/XX/XXXX. 
3. XX/XX/XXXX. Acct # XXXX. 
4. XXXX XXXX. Dated : XX/XX/XXXX. 
5. XXXX XXXX. Dated : XX/XX/XXXX. 
6. XXXX XXXX. Dated : XX/XX/XXXX. 
7. XXXX XXXX. Dated XX/XX/XXXX. 
8. XXXX XXXX. Dated : XX/XX/XXXX. 
9. XXXX XXXX XXXX : XX/XX/XXXX. 
10. XXXX XXXX. Dated : XX/XX/XXXX. 
11. XXXX XXXX. Dated : XXXX/XXXX/XXXX 12.XXXX XXXX XXXX XXXX Dated : XX/XX/XXXX 13. XXXX XXXX. Dated XX/XX/XXXX. 
14. XXXX XXXX. Dated : XX/XX/XXXX. 
15. XXXX. Dated : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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 2025-01-22 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: TX

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

1. The XXXX XXXX XXXX XXXX Acct # XXXX. 
2. XXXX XXXX XXXX. Dated : XX/XX/XXXX. 
3.XX/XX/XXXX. Acct # XXXX. 
4. XXXX XXXX. Dated : XX/XX/XXXX. 
5. XXXX XXXX. Dated : XX/XX/XXXX. 
6. XXXX XXXX. Dated : XX/XX/XXXX. 
7. XXXX XXXX. Dated XX/XX/XXXX. 
8. XXXX XXXX. Dated : XX/XX/XXXX. 
9. XXXX XXXX XXXX : XX/XX/XXXX. 
10. XXXX XXXX. Dated : XX/XX/XXXX. 
11. XXXX XXXX. Dated : XXXX/XXXX/XXXX 12.XX/XX/XXXXXXXX XXXX XXXX Dated : XX/XX/XXXX 13. XXXX XXXX. Dated XX/XX/XXXX. 
14. XXXX XXXX. Dated : XX/XX/XXXX. 
15. XXXX. Dated : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is in reference to my Citi XXXX XXXX. I lost my job in XXXX, 2024. My income was dramatically reduced and I was unable to make my payments- as a result, I missed several payments on different credit card accounts with other banks. I notified Citi that I lost my job and that my income was reduced from roughly XXXX to XXXX, which didn't even cover my rent and car payment together. I cashed out my 401 K to cover some expenses, including credit card payments, while I looked for a job. Citi allowed me to enroll in a payment plan with reduced payments. I made those payments on time ( and sometimes paid a little more ) yet Citi continued to report me as late to the credit bureaus. On top of that, knowing I lost my job and I was on a payment plan, they amassed an annual fee of XXXX, throwing me over my limit and derailing my progress. 

Once I was able to get caught up, I would make several small payments here and there so I could use the card and get the points. One day, out of the blue, they canceled my account. As a result, my credit score took a huge hit, and now my debt-to-income ratio has skyrocketed since my available credit has been so drastically reduced. 

Citi continued to kick me while I was down. I called customer service to speak to someone and they told me I'm not the only one this has happened to. How can a company treat its customers this way? I did nothing wrong, worked diligently to make my payments even though it cost me in other areas, and they have made it substantially worse for me to climb out of debt and finally restore my good credit rating. 

This usury should be illegal.

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 2025-01-22 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: MD

Complaint narrative:
XX/XX/XXXX TRANSUNION XX/XX/XXXX XX/XX/XXXXTRANSUNIONXX/XX/XXXX TRANSUNION XX/XX/XXXX XX/XX/XXXXTRANSUNION XX/XX/XXXX TRANSUNION XX/XX/XXXX TRANSUNION XX/XX/XXXX TRANSUNIONXX/XX/XXXX XX/XX/XXXXTRANSUNION XX/XX/XXXX TRANSUNION XX/XX/XXXX TRANSUNION

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