vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). TransUnion has failed to remove a late payment from my XXXX XXXX XXXX  account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX. account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, TransUnion was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, TransUnion has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that TransUnion urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with TransUnion and XXXX XXXX XXXX . I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). TransUnion has failed to remove a late payment from my XXXX XXXX XXXXXXXX account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, TransUnion was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, TransUnion has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that TransUnion urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with TransUnion and XXXX XXXX XXXX . I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX, XXXX XXXX XXXXXXXX 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 2025-01-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Ex husband stole vehicle and drove out of state I have told The company where the care is but they refused to pick up are remove to settle Debt owed they were very aggressive and disrespectful didnt show any interest in helping me resolve this matter. 

You have 100 % left to pay on this loan. 

Balance {$18000.00} Highest Balance No Info Monthly payment No Info Opened XXXX XXXX, XXXX ( 5 yrs, 2 mos ) Term 72 months Payment History Youve made 31 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Fixed rate Times XX/XX/XXXX30/60/90 days late XX/XX/XXXX Closed No Info

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
Fraudulent activity and my money was never refunded back to me nor was this matter thoroughly investigated. I called and emailed and I only received a portion back and not the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2025-01-16 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: TN

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that requiring lost fund would be 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the unfair overdraft fees I was charged, as detailed in your recent order against the institution dated XX/XX/XXXX. I have been a member of Navy Federal since XXXX and have been subjected to numerous overdraft fees during the period from XXXX through XXXX. 

According to the Bureaus findings, Navy Federal engaged in unfair practices by charging overdraft fees on debit-card purchases and ATM withdrawals when my account had insufficient funds at the time of transaction settlement, despite having sufficient funds at the time of the transaction. Furthermore, Navy Federal imposed overdraft fees due to delays in posting credits from person-to-person payment networks, misleading me into believing that funds were available for immediate use. 

These practices were not only deceptive but also in direct violation of the Consumer Financial Protection Act of 2010. The Bureaus order mandates Navy Federal to pay at least {>= $1,000,000} in consumer redress, and I am seeking restitution for the overdraft fees unjustly charged to my account during the specified period. 

I kindly request your assistance in ensuring that Navy Federal complies with the order and reimburses me for the overdraft fees I incurred due to their unfair practices. Please let me know if you require any additional information or documentation to process my complaint. 

Thank you for your attention to this matter and for your continued efforts to protect consumers like myself from unfair financial practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a formal complaint against Chase Bank due to their failure to properly address and resolve a payment dispute on my account. This dispute arose from inaccurate reporting and improper handling of a payment issue, which I first raised on XX/XX/year>. I am requesting immediate intervention and the resolution of this matter, as well as punitive and statutory damages as outlined in the violations below. 

On XX/XX/year>, I sent a formal letter to Chase Bank disputing inaccurate payment reporting and requesting that they resolve the issue under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I informed them of their obligation to accurately report payments and correct any discrepancies in line with these statutes. 

On XX/XX/year>, I received a response from Chase Bank that failed to provide an adequate resolution to the dispute. The response did not properly address the payment discrepancies, and instead, they provided an incomplete or unsatisfactory explanation that failed to comply with the requirements of the FCRA and FDCPA. 

Violation of the Fair Credit Reporting Act ( FCRA ) : -15 U.S.C. 1681e ( b ) Failure to ensure accurate reporting of consumer information.

-15 U.S.C. 1681s-2 ( a ) Failure of Chase Bank to investigate and correct inaccuracies related to payment reporting.

-15 U.S.C. 1681i Failure to properly investigate and resolve the dispute within the required 30-day period.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : -15 U.S.C. 1692e Engaging in false or misleading representations regarding the debt.

-15 U.S.C. 1692g Failure to provide proper validation of the debt and respond adequately to disputes.

Violation of the Truth in Lending Act ( TILA ) : -15 U.S.C. 1601 et seq. Failure to provide accurate information regarding the account terms, including payments made.

Violation of United States Code Title 18 Part 1 Chapter 63 1341 ( Mail Fraud ) : -Misleading communication regarding the status of my account, which could be construed as fraudulent under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 2025-01-16 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: Resurgent Capital Services L.P.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a new Auto Loan Through XXXX for a XXXX  XXXX XXXX $ XXXX For which EQUIFAX is failing to report on. I have made XXXX payments so far ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 XXXX handling of disputes, particularly in light of the CFPBs recent lawsuit highlighting significant issues with the platform. Despite using Zelle numerous types 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, in addition to being told to reach out to the recipient to request funds myself. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I bank with Bank of America I use XXXX to transfer money to friends or family I had a {$800.00} charge with XXXX I didnt make to a number I dont know and on top of that my account requires a security code to access I wasnt texted that either I requested the personal information of the person who stole the money they refused saying they couldnt provide it but they knew it I even said it was going to be used for a police report and they still didnt provide it

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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I requested the original contract that I signed with this agency and they were unable to furnish any documentation as I have never signed a contract with said company. They have yet to validate they debt they are attempting to collect and reporting a monthly account status of CO on my credit report despite a collection account not being able to be charged off as there is no contract this company has violated my consumer rights continuously and after sending disputes to the credit bureaus on multiple occasions nothing has been done a proper investigation has not been conducted. Per the FCRA my rights are being violated by this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit higlighting significant issues with the platform. Despite hsing Zelle numerous time 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 CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of my 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 claim 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 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 the consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 unfeasable. The CFPBs findings indicate that Zelle had 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 2025-01-16 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: UT

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation