vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting a complaint regarding the ongoing inaccurate reporting of several accounts on my credit report, which were a result of identity theft and a data breach. Despite filing an FTC report and providing supporting documentation, including a data breach confirmation and an affidavit verifying my identity, these fraudulent accounts continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete any accounts resulting from identity theft within four business days of receiving notice. Additionally, FCRA Section 604 ( 15 U.S.C. 1681b ) mandates that a valid permissible purpose is required to access or report credit information. The following accounts were fraudulently reported without my consent : XXXX XXXX XXXX XXXX ( Account : XXXX, {$270.00} ), XXXX XXXX  XXXX XXXX ( Account : XXXX, {$590.00} ), XXXX XXXXXXXX ( Account : XXXX, {$770.00} ), XXXX XXXX ( Account : XXXX, {$120.00} ), XXXX XXXX XXXX XXXX ( Account : XXXX, {$110.00} ), XXXX XXXX XXXX  ( Account : XXXX, {$340.00} ), XXXX XXXX XXXX ( Account : XXXX, {$5100.00} ), XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$2700.00}, {$3200.00} ), and XXXX XXXX XXXX ( Accounts : XXXX, XXXX, {$420.00}, {$750.00} ). These accounts were obtained or reported without my knowledge and violate FCRA guidelines. I request the immediate deletion of these accounts within four business days to comply with federal regulations and to prevent further harm to my creditworthiness. The credit bureaus must ensure compliance with FCRA provisions and take corrective action 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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am here to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive made numerous attempts to get my credit report corrected, but there are still multiple inaccuracies. My name and address are missing, and there are other entries I don't even recognize. Despite filing complaints multiple times, Ive received no response. From XXXX to XXXX, a total of {$10000.00} to {$15000.00} at least is reported incorrectly. This is seriously impacting my life. Even though I make a good income, Im unable to raise my credit score, which is preventing me from moving forwardwhether thats proposing to my girlfriend or securing a decent place for us to live. I need this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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 : Accounts : 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 CREDIT BUREAU 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, 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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 : Accounts : 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 CREDIT BUREAU 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, 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
In XXXX on XXXX, my vehicle was stolen along with all of my personal belonging. Wallet, phone, ID, license, credit cards, debit cards and cash, not to mention my vehicle with my clothing and other personal belongings. Upon this happening I immediately contacted CashApp, providing them with a police report and asking my account to be frozen as their thief had all of my forms of ID and my devices. 

I explained the circumstances and asked to freeze my accounts to avoid any fraudulent activity. My account held over {$300.00} in currency, so it was important to ensure that these funds were safe. When I contacted CashApp, they refused to assist me as I didnt have an ID ( despite a police report ). I explained that they needed to freeze my account and I would be able to provide them with and ID as soon as the state could re-issue me a new card. 

They refused and after 3 weeks of calls and emails CashApp ( reset ) my account and denied me access to any records of the funds I previously had. I requested statements of where the funds had been used or transferred to and they refused. The companys claim was that the account was new and no prior transactions had occurred This is impossible as I know that there was funds on the CashApp account as that was the main card I would utilize as it was the easiest platform with the ability to lock cards. 

I am still actively engaged in a court case with the person who stole my belongings but CashApp has been less than cooperative over time in the resolution of this matter. They have never reimbursed me funds nor assisted in providing history as to where my money had gone, to allow me to use the legal system to recover what was rightfully mine but stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Chime regarding their decision to decline my claim on XX/XX/year> without providing a valid reason. I had an issue with a disputed transaction, because someone scammed me from XXXX. I received a letter on XX/XX/XXXX, Chime denied it without offering any clear explanation or evidence to justify their decision. 

This lack of transparency and accountability has left me frustrated and without the funds I rightfully believe I am owed. They are completely abusing the Consumer Financial Protection act and its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the CFPB Experian, XXXX, and XXXX does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. The pending lawsuits are disheartening, I am a federally protected consumer with a lot to lose due to your negligence. Please do your job and vet the information before you allow a company to report negative accounts without the consumers consent. 

According to IRS regulations, any debt over {$600.00} that is charged off requires the creditor to issue a Form 1099-C. Therefore, I am formally requesting a copy of the 1099-C that your company issued for the charged-off debt listed on my consumer report.

Income is not allowed on a consumer credit report Please see the attachment!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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. 
I want the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had submitted several disputes from debt collectors and loan companies, they did not fix the problem and said that the information was correct which is false. My credit score has severely been affected from this report and would like them investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: 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 vulnerabletoscams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumersafety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion 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 Transunion 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, 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 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail stating that my XXXX loan was placed in default and sent to the national debt collection agency. I was appalled as I am currently in graduate school and all my loans shouldve been in forbearance beginning in XXXX of XXXX. I spoke with an agent about the options and alerted him that I am currently in school and not understanding how this happened. I chose the option to do a loan consolidation on the student.aid.gov website where I opted to send it to my other loan servicer for approval. 

I contacted XXXX ( the original servicer ) to inquire why this happened. I explained to the agent that Ive been enrolled since XXXX for grad school. He looked into it and stated that they never got the notification that I had enrolled in school therefore, they sent the loan to debt collection. He stated that they cant reverse it and XXXX have to speak with the debt collection agency for options.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I requested Wells Fargo to investigate and reverse a partial charge from XXXX for canceling a reservation on the same day it was made, literally within half an hour of booking, once I realized I wouldnt be able to attend. Despite this, Wells Fargo allowed XXXX to unjustly profit by charging me for a service that was never provided. I have clear evidence, including a cancellation confirmation, proving that I canceled promptly and did not receive any service. 

To summarize, while vacationing in XXXX, my wife made a hotel reservation for us. Shortly after, we realized it would require a lengthy drive, so we canceled the reservation about XXXX minutes after booking. XXXX partially refunded the payment, but I opened a dispute with Wells Fargo for the remaining {$110.00} immediately after. Wells Fargo initially credited the amount to my account and began an investigation in XX/XX/XXXX. However, on XX/XX/XXXX, Wells Fargo reversed the credit, claiming my dispute couldnt be resolved and citing information allegedly provided by XXXX. 

This decision feels deeply unfair. I acted promptly and have documentation to support my claim, yet Wells Fargo has chosen to side with XXXX, effectively allowing them to charge for a service I neither used nor benefited from. 

Today, after noticing a reapplied charge in my account and having a scripted conversation with one of their representatives, I decided to pay off the {$110.00} and close my account with Wells Fargo. This is a bank I will certainly never do business with again in my life. 

No credit card bank or entity, under any circumstances, should allow or expose their customers to predatory practices from third parties. I feel like Ive been robbed, and Wells Fargo was complicit by allowing it to happen. I did not receive any service whatsoever for the {$110.00} I was charged, and Wells Fargo 's actions enabled this unfair treatment. 

I am, in fact, interested in making this public to raise awareness and to help identify a pattern that I am almost certain is not an isolated practice. Customers deserve to know if their bank is complicit in enabling unfair and predatory business practices. As my credit card provider, Wells Fargo failed to protect me the only time I needed them, despite of me charging thousands of dollars to their card and always paying it off in full. Their response to this dispute demonstrates a complete lack of loyalty and care for their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I listed as inaccurate : XXXX XXXX XXXX XXXX Late Payment XXXX XXXX Closed Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed 2- credit inquiry by your company XXXX XXXX XX/XX/XXXX that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it.

Company response to consumer: Closed with explanation