vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. 
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I was using Zelle attached to my XXXX  bank checking account and the wrong amount was sent and to the wrong. I immediately called the XXXX department called my bank and asked to be transferred to the fraud department but they refused to stop the transaction even though it was still pending and had yet to post to my account. I asked to speak to the supervisor, was transferred multiple times, and even had the call ended on me multiple times forcing me to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX throughout XXXX XXXX throughout XXXX Request BOA to disclose XXXX  fine print and disclosure about it and never got any information.

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 2025-01-14 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: AZ

Complaint narrative:
I disputed the amount shown as XXXX XXXX. I have repeatedly requested a Validation of XXXX from this XXXX. They have never been able to respond with a list of the transactions that led to the debt. All I am seeing is an amount that I have no idea where it came from. I started a dispute with Experian via mail on XX/XX/year>. On XX/XX/XXXX, they informed me that they would not remove the disputed amount from my credit report. I believe I am entitled to a full accounting of the debt. The creditor has failed to provide this accounting.

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 2025-01-14 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: GA

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Equifax Accounts XXXX. XXXX ( XXXX, Equifax, XXXX ) Account XXXX : XXXX XXXX {$750.00} XXXX. XXXX XXXX ( XXXX, Equifax, XXXX ) Account Number : XXXX Amount {$1800.00} XXXX. XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Account Number : XXXX Amount : {$940.00} XXXX XXXX XXXX XXXX  ( XXXX, Equifax, XXXX ) Account number : XXXX Amount {$820.00} XXXX. XXXX ( XXXX, Equifax, XXXX ) Account XXXX : XXXX Amount : {$180.00} XXXX. XXXX XXXX XXXX XXXX ( XXXX, Equifax ) Account XXXX : XXXX Amount : {$920.00} XXXX. XXXX XXXX ( Equifax ) Account Number : XXXX Amount : {$2200.00} XXXX. XXXX XXXX ( XXXX, Equifax, XXXX ) Account Number : XXXX Amount : {$680.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

Company response to consumer: Closed with non-monetary relief
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: NC

Complaint narrative:
Experian has failed to to fullfill its legal obligation under the XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputesd information on my credit report leaving inaccurate or unverifiable accounts XXXX CFPB has recently filed lawsuits against Experian, alleging systematic issues such as falling to foward cosumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. XXXX failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal laws and my rights as. 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 2025-01-14 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) tyo conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian '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 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: NY

Complaint narrative:
I reported an accurate information on my credit report multiple times to experience and they did not correct the issue.

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 2025-01-14 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian '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 explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I discovered Experian had been charging me {$16.00} monthly and I do not know why. I could not find a login/password related to whatever this was. So I called the number listed on my credit card statement ( XXXX ) to find out what it was for and cancel it and the robot would not direct me to a real person. After I entered my SSN, they asked for more info and did not allow enough time for me to respond before saying they couldn't verify me and then hung up on me. I went through this several times using several different phone numbers for Experian found through a XXXX search ( XXXX, XXXX ). Eventually, I complained to my credit card, and the only option I had was to say someone else used my credit card to sign up for Experian. I am now out that credit card until they send me a new one. There was no way for me to get through to Experian to discuss this.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION Account Name : XXXX XXXX Account # : XXXX Balance : {$3100.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX Account # : XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX Account XXXX : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX OF XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2024

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 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I closed on my mortgage for my owner-occupied residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX with XXXX Bank XXXX XXXX in XXXX, IL ). They sold my mortgage to Associated Bank ( located in XXXX XXXX, WI ) in XX/XX/XXXX. My private mortgage insurance disclosure executed at closing in XXXX provided terms related to cancellation that include XXXX XXXX XXXX of the original value, which was {$370000.00}. I have paid my mortgage on time every XXXX  and paid my loan balance to XXXX XXXX of the original value in XX/XX/XXXX. I sent Associated Bank an email on XX/XX/XXXX as they directed and requested that my PMI be removed. Associated Bank sent me a letter dated XX/XX/XXXX that I just received today that states that the new valuation is {$420000.00} ( {$50000.00} over the original value ) with no explanation and that I need to bring the loan to XXXX XXXX of XXXX of that amount. I called Associated Bank on XX/XX/XXXX and asked to speak to supervisor and she told me that when Associated Bank purchased the loan they are allowed to change these terms. I undertook this loan based on a budget with certain terms that the lender is saying changed. I did not agree to these new/changed terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
XXXX scammed out of {$1000.00} on XX/XX/24, funds were sent through Zelle. XXXXXXXX XXXX XXXX XXXXXXXX to dispute transaction but they denied my claim.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/year> letters were sent to all three credit bureaus asking to investigate accounts that does not belong to me. 

royal furniture for the amount XXXXXXXX XXXX  for the amount of 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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am disputing the collection account with DISCOVER account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVER provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-01-14 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-14 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: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-01-14 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: LA

Complaint narrative:
Money was sent through Zelle to the incorrect person and I could not receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NJ

Complaint narrative:
i logged into my chime account and noticed a substantial amount of my money was missing {$1000.00}. and i look and see multiple unauthorized transactions from a merchant XXXX XXXX and i proceed to contact my bank right after noticing on XX/XX/year> and they submitted a claim with a long phone call gathering as much information as i could give. then XXXX hours later XX/XX/year> they denied my claim.??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle XXXX and wasnt able to get it back and bank couldnt assist with transferring money back to my account or undo the issue

Company response to consumer: Closed with explanation