vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: OH

Complaint narrative:
I am writing 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 2025-01-23 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: 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 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened my new Wells Fargo account on XX/XX/year> and there was an error happening when the systems were down. It accidentally opened 3 separate accounts and I only needed one account. I set up direct deposit and did the requirements for the one account I intended opening. I was told 3 months later I wouldnt be eligible because of the technical issues that Wells Fargo experienced. I did all the deposits and did all my banking with the one account. This was very discouraging and should be fixed.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
on XX/XX/year>XXXX  I mailed a debt validation letter to Midland credit requests that they send me a proof of the debt assignment, the original contract that I sign with the original creditor, a payment history from the original creditor and name and address of the original creditor next this company who i did not sign anything with is reporting my information to the credit company with out my authorization in witch its against the accord to 15usc1692g.

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: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash app ( Block Inc. ) due to inadequate customer service And unfair practices Which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on our platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution And deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caught significant inconvenience and financial loss and I seek appropriate redress for these violations.

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: KY

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 2025-01-23 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: GA

Complaint narrative:
There are things on my XXXX  and equifax that are not mine, Ive trued to dispute them but were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX. I noticed some inaccuracies on my credit profile in XX/XX/year>. I ask that you kindly remove these from my credit profile as soon as possible. Im a victim of identity theft and these accounts arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
Hi my name is XXXX XXXX XXXX XXXX. I noticed some inaccuracies on my credit profile in XX/XX/year>. I ask that you kindly remove these from my credit profile as soon as possible. Im a victim of identity theft and these accounts arent mine.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Consumer name : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC1681C-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information appearing on my consumer report consist of personal credit card XXXX XXXX XXXX  opened at XX/XX/XXXX, under account number ( XXXX ) in the amount of {$310.00}, A credit line worth {$750.00} in relation a company name XXXX  account number # XXXX ) OPENED ON XX/XX/XXXX. An auto loan opened XX/XX/XXXX at XXXX XXXX  account number ( XXXX ) in the amount of {$10000.00} a collection accounts opened under XXXX XXXX  in the amount of {$960.00} account number ( XXXX ) opened on XX/XX/XXXX that appears to be related to XXXX An personal credit card opened on XX/XX/XXXX at XXXX  that appears to be related to XXXX XXXX XXXX account number ( XXXX ) in the amount of {$630.00}. A personal loan opened on XX/XX/XXXX account number ( XXXX ) that appears to be related to XXXX XXXX Another personal loan opened on XX/XX/XXXX in the amount of {$430.00} account number ( XXXX ). These accounts have resulted in several fraudulent and hard inquires appearing on my consumer fico credit report maintained by you which shows fraudulent items. I do not recognize the Aforementioned accounts, collections, or hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint case # ( XXXX ) as proof from the US federal trade commission that all of the aforementioned consumer report, accounts, collections and hard inquires are the result of identity theft. 


Fair solution : I request, pursuant toFCRAV605B ( 15USC 1681C-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquires identified by the CFPB Complaint from my consumer credit file within 4 business days of receiving said complaint. I request all written confirmation regarding this cfpb complaint be sent to me via email to XXXX Hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-23 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: TX

Complaint narrative:
Zelle didn't disclose the proper disclosure. Also money sent to wrong individuals was never recovered

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the reporting of an auto loan account with XXXX XXXX XXXX. The account reflects several inconsistencies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). Here are the details : 1. Charge-Off Reporting : The account was marked as a charge-off ( CO ) in XX/XX/XXXX. However, CO continues to appear inconsistently in subsequent months ( e.g., XXXX, XXXX, and XX/XX/XXXXXXXX  ). If the account was charged off in XXXX, this status should not continue to change afterward. 
2. Incomplete Payment History : Many months are listed as ND ( No Data ), including key months leading up to the charge-off. This lack of information makes it difficult to verify the accuracy and completeness of the reported account history. 
3. Late Payments After Charge-Off : Despite being marked as charged off, late payments are still reported in the payment history after XX/XX/XXXX. Specifically, late payments such as 30 days late appear in XX/XX/XXXX, XX/XX/XXXX, and other months. Late payments should not be reported after a charge-off event. 
4. Timeline of Events : XX/XX/XXXX : Account opened. 
XX/XX/XXXX : Account marked as charged off. 
XX/XX/XXXX : Final payment was reported. 
Various months between XXXX are listed as ND or show discrepancies in payment history. 

I have taken steps to address this issue and now request that XXXX XXXX XXXX verify the accuracy and completeness of this account information. If they can not provide evidence to substantiate the reported data, I request the removal of this account from my credit reports.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the reporting of an auto loan account with XXXX XXXX XXXX. The account reflects several inconsistencies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). Here are the details : 1. Charge-Off Reporting : The account was marked as a charge-off ( CO ) in XX/XX/XXXX. However, CO continues to appear inconsistently in subsequent months ( e.g., XXXX, XXXX, and XX/XX/XXXX ). If the account was charged off in XXXX, this status should not continue to change afterward. 
2. Incomplete Payment History : Many months are listed as ND ( No Data ), including key months leading up to the charge-off. This lack of information makes it difficult to verify the accuracy and completeness of the reported account history. 
3. Late Payments After Charge-Off : Despite being marked as charged off, late payments are still reported in the payment history after XX/XX/XXXX. Specifically, late payments such as 30 days late appear in XX/XX/XXXX, XX/XX/XXXX, and other months. Late payments should not be reported after a charge-off event. 
4. Timeline of Events : XX/XX/XXXX : Account opened. 
XX/XX/XXXX : Account marked as charged off. 
XX/XX/XXXX : Final payment was reported. 
Various months between XXXX are listed as ND or show discrepancies in payment history. 

I have taken steps to address this issue and now request that XXXX XXXX XXXX verify the accuracy and completeness of this account information. If they can not provide evidence to substantiate the reported data, I request the removal of this account from my credit reports.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the reporting of an auto loan account with XXXX XXXX XXXX. The account reflects several inconsistencies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). Here are the details : 1. Charge-Off Reporting : The account was marked as a charge-off ( CO ) in XX/XX/XXXX. However, CO continues to appear inconsistently in subsequent months ( e.g., XXXX, XXXX, and XX/XX/XXXX ). If the account was charged off in XXXX, this status should not continue to change afterward. 
2. Incomplete Payment History : Many months are listed as ND ( No Data ), including key months leading up to the charge-off. This lack of information makes it difficult to verify the accuracy and completeness of the reported account history. 
3. Late Payments After Charge-Off : Despite being marked as charged off, late payments are still reported in the payment history after XX/XX/XXXX. Specifically, late payments such as 30 days late appear in XX/XX/XXXX, XX/XX/XXXX, and other months. Late payments should not be reported after a charge-off event. 
4. Timeline of Events : XX/XX/XXXX : Account opened. 
XX/XX/XXXX : Account marked as charged off. 
XX/XX/XXXX : Final payment was reported. 
Various months between XXXX are listed as ND or show discrepancies in payment history. 

I have taken steps to address this issue and now request that XXXX XXXX XXXX verify the accuracy and completeness of this account information. If they can not provide evidence to substantiate the reported data, I request the removal of this account from my credit reports.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report maintained by XXXX. Despite my previous attempts to resolve this matter, your failure to properly investigate and address these inaccuracies demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

Name of Company : Midland Credit Management INC. 
Amount : {$610.00} Action taken by me : Dispute letters

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 — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I did a mobile deposit of {$10000.00} with Citzens Bank  on XX/XX/XXXX which was a gift of money from a family member. It said the funds would be available on XX/XX/XXXX the funds were not available and I was not informed in any way that the funds would not be available until the XXXX after I had made a phone call to the bank. I spoke with a manager and asked why a hold was placed and why I wasnt informed and if there was anything I could do about it he told me no. I waited until the XXXX still no funds available so I called again and was told that now they put a XXXX hold on it and that the funds were not going to be available until XX/XX/XXXX. I asked to talk to a manager again. This one XXXX at least was a little nicer than XXXX who I spoke to the week prior. I asked her if there was anything I could do to get the money released and she told me I could get information for a contact and number from the issuing bank that would be able verify that the funds were available. I obtained that information and called XXXX and gave her the contact info and instructions. I was told to tell her and that all was needed was for her to call that number enter the check number in and verify funds were there. I explained that this was causing serious stress, hardship and XXXX XXXX to me! I had rent being paid and my car payment that bounced back as not paid and that I needed to buy food for my family! My paycheck from my employer was transferred by me into the account and I had no access to that as well and any bills that were set up on auto pay were also being directly withdrawn from my account were declined. If the hold goes until XX/XX/XXXX that is a 17 day hold I have the potential being evicted losing my car and not being able to feed my family! I have banked with the institution for 26 years or longer and after this I will be withdrawing all our accounts 4 in total. I have also contacted a lawyer just because of the all the mental anguish this has caused and I have never in my whole life ever contacted a lawyer for anything!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
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 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 2025-01-23 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as an instance of non-compliance with the Fair Credit Reporting Act ( FCRA ) and to request your assistance in resolving this matter. 

Under the FCRA, credit reporting agencies, furnishers, and other related entities have a duty to ensure the accuracy of consumer credit information and to comply with all provisions of the Act. Negligent non-compliance, as defined under 15 U.S.C. 1681o, imposes liability on those who fail to adhere to these obligations.

Specifically, my concern involves the following : Entity Responsible : Experian credit reporting agency Description of Issue : Failure to adequately investigate my dispute claim outside of a generic reply Relevant Details : collections account is listed as XXXX XXXX and the account is stated to have opened on XX/XX/XXXX and closed on XX/XX/XXXX for an amount of {$1700.00}. Additional account was from XXXX stated to have opened XX/XX/XXXX and closed XX/XX/XXXX with an alleged balance of {$110.00} Impact on Me : My credit report has been adversely impacted by negative collections claim which have directly affected my access to financial products which would change my livelihood for the better and improve my financial success. 
Despite my prior attempts to address this matter directly with the responsible party, they have failed to resolve it adequately. I have attached copies of my correspondence with [ responsible entity ] and any supporting documentation for your review. 

Pursuant to 15 U.S.C. 1681o, I am seeking resolution of this matter and wish to highlight the negligent non-compliance that has caused me harm. I request that you : Investigate the issue thoroughly. 
Take appropriate enforcement action against the responsible entity. 
Ensure that the inaccurate information is corrected or that the issue is otherwise resolved. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
XXXX to suspend the gold standard and abrogate the gold clause which means I'm a legal tender note that the word do not talk about payment of debt but clearly states that every obligation shall be discharged I am truly upset of how y'all willingly and knowingly committing fraud breaking the law of 15 USC 1611 if y'all don't reinvestigate and close my account I will be getting in contact with the credit finance protection bureau and also will be writing to the attorney general I'm using my promissory note as an instrument a promise to pay I'm well aware of my rights and this is committed fraud against me please close my account or I will be taking further

Company response to consumer: Closed with explanation