vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: 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. 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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/scrub>, 2025 I noticed a charge from my dent card for XXXX dollars. I know I didnt make any purchases for that amount since I was traveling thy day and it wouldve been impossible. Upon review, the charge was direct from my debit card to another card linked to a XXXX account. I do not have a XXXX card, I called and verified. I then looked at all my previous statements available through my bank, there had been so many transactions for XXXX, XXXX around the same time of the month for a very long time. The amounts were small enough were I wouldnt notice. I have filed a fraud dispute and I really do hope to get some of the money I lost back. My card did not alert me to any fraud activity at all since it looked legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: AL

Complaint narrative:
On XX/XX/XXXX, I filed Complaint regarding my XXXX account ( # XXXX ) due to inaccurate late payment reporting on my credit report. The companys response, " Account was Verified, '' fails to properly address my dispute. Pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ), I challenge the method of verification used to confirm these late payments. On [ Insert Date of Initial Complaint ], I disputed several late payment accounts and submitted all required documentation to you. Specifically, XXXX reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Equifax reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXdemonstrating inconsistencies in the reporting of my payment history. These discrepancies indicate a failure to maintain accurate and verifiable records.

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 2025-02-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I filed Complaint regarding my XXXX account ( # XXXX ) due to inaccurate late payment reporting on my credit report. The companys response, " Account was Verified, '' fails to properly address my dispute. Pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ), I challenge the method of verification used to confirm these late payments. On [ Insert Date of Initial Complaint ], I disputed several late payment accounts and submitted all required documentation to you. Specifically, XXXX reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Equifax reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXdemonstrating inconsistencies in the reporting of my payment history. These discrepancies indicate a failure to maintain accurate and verifiable records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX  XXXX XXXX Account Number : XXXX. Please remove it from my credit report.

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 2025-02-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with JPMCB CARD and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with JPMCB CARD and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

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 2025-02-14 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: CA

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 2025-02-14 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: SC

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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

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 2025-02-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, Section 602 ( a ) mandates that consumer reporting agencies exercise their duties with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent, which is further supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an ongoing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. '' A furnisher of information to credit agencies qualifies as a financial institution under this definition. 15 USC 1681, Section 604 ( a ) ( 2 ) specifies that consumer reports can only be furnished under certain circumstances, and the primary circumstance is in accordance with the written instructions of the consumer to whom the report pertains. Equifax and Experian, as consumer reporting agencies, do not have my written consent to share my personal information, and I hereby revoke any and all consent whether verbal, written, implied, or otherwise for them to do so. 

In addition, 15 USC 6802 ( b ) ( c ) requires that a financial institution can not disclose nonpublic personal information to any third party unless the consumer is informed about their right to opt out. However, Equifax and Experian have never provided me with such an explanation or informed me of my nondisclosure rights.

Further, under 15 USC 1681c ( a ) ( 5 ), no consumer reporting agency can report adverse information that predates the report by more than seven years, except in certain circumstances. The accounts in question, being reported as adverse items, are being included on my report without my permission, which is a direct violation of the law.

Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) stipulates that no person should provide inaccurate information to a consumer reporting agency. Equifax and Experian are not adhering to reasonable procedures as required under 15 USC 1681e, which ensures consumer reporting agencies take necessary steps to prevent the inclusion of inaccurate data.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of consumer reporting services at any time. Therefore, I am exercising my right to opt out of Equifax and Experians reporting services 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  I XXXX {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX/XXXX/2025

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 2025-02-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

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 2025-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX  XXXX XXXX Account Number : XXXX. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX  XXXX XXXX Account Number : XXXX. Please remove it from my credit report.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The debt is a charge off which means the company XXXX wrote this debt as a tax write off. Company did not give me a 1099 form nor did the take it off of my credit reports if this debt is written off why are they coming after me for the debt. Double dipping.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The debt is a charge off which means the company XXXX wrote this debt as a tax write off. Company did not give me a 1099 form nor did the take it off of my credit reports if this debt is written off why are they coming after me for the debt. Double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CATHAY BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, my husband and I each opened an account at Cathay Bank, with my husband 's account being the primary one. We deposited {$50000.00} in each account as a time deposit, with an interest rate of 5.2 % at the time. The term was six months. Then, on XX/XX/XXXX, we went to the bank to renew both the principal and the interest for another six months, with an interest rate of 4.5 %. On XX/XX/XXXX, when we went back to the bank intending to withdraw the total principal of {$100000.00} plus the interest, we discovered that the interest income on the two accounts was different. My husband 's account had more than {$700.00} less in interest income compared to mine. We reported the issue to the bank staff who assisted us when we opened and renewed the accounts, and he explained that when we renewed the deposits, he forgot to allocate the funds in my husband 's account for the time deposit. As a result, my husband 's account did not earn the 4.5 % interest rate during the renewal period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Opened a dispute with XXXX over a loan I have with onemain for inaccurate information saying my account was late when it was not, or later than it actually was. Dispute came back with an additional late payment for a month that was not previously reported late at any point in time, but is being reported as such now. This has had a severe negative effect on my credit report and XXXX impact my ability to access credit or financing in the future.

Company response to consumer: Closed with non-monetary relief