vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a notification, that the amazon store card was closed. No documentation was sent.

The account was closed without proper justification or notification, resulting in unwarranted damage to my credit profile. This action appears to contravene the following regulations : Fair Credit Reporting Act ( FCRA ), Section 602 ( a ), 15 USC 1681 : This section mandates consumer reporting agencies to act with fairness, impartiality, and respect for consumer privacy. The closure of my account without proper cause undermines these principles.

15 USC 1681, Section 604 ( a ) ( 2 ) : This provision requires that consumer reports be furnished only with the consumer 's written consent or under specific conditions. The closure and subsequent reporting of this account breach this requirement.

15 USC 6802 ( b ) ( c ) : Obligates financial institutions to clearly inform consumers of their rights regarding nondisclosure options. The closure of my account was executed without providing any such disclosures.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) : Prohibits providing information believed to be inaccurate. Reporting the closure of an account that was in good standing is misleading and violates this provision. 

ECOA ( Equal Credit Opportunity Act ) : Under this act, creditors are required to provide explanations for adverse actions on credit accounts. The closure of my account without proper notification or explanation violates these obligations. 

In light of these violations, I request the following actions be taken immediately : A detailed explanation of the reasons for my account 's closure. 
Rectification of any adverse information reported to credit bureaus regarding this closure. 

A notarized statement attesting to compliance with all relevant statutes concerning my account.

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 2025-01-17 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: WI

Complaint narrative:
I am writing to formally address my concerns regarding your handling of disputes I have submitted to validate negative accounts listed on my credit report. Despite my efforts to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), I have encountered significant issues that remain unresolved. 

I submitted disputes several times, requesting an investigation into the listed accounts to verify their validity. Per the FCRA, this process requires the credit bureau to either validate the debt by providing documented evidence, such as an application bearing my signature, or remove the disputed accounts from my credit report. 

However, both XXXX and Experian claim to have completed investigations and deemed the debts valid. Despite these claims, neither bureau has provided any supporting documentation or evidence to substantiate this determination. Without such proof, I believe the accounts remain unverifiable and should be removed as required by law. 

This failure to provide evidence undermines the transparency and integrity of your dispute resolution process. Furthermore, maintaining unverifiable negative accounts on my credit report has caused unnecessary harm to my creditworthiness and financial standing. 

I request the following actions : XXXX. A detailed explanation of the investigation process and findings, including any documents reviewed. 
XXXX. Immediate removal of any accounts that can not be validated with appropriate evidence. 
XXXX. Written confirmation of actions taken.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 2025-01-16 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: LA

Complaint narrative:
I would like to express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that has brought to light some significant issues with the platform. Throughout my numerous transactions using Zelle, I have reported discrepancies, yet my financial institution and Zelle have not conducted a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was not feasible. The findings from the CFPB suggest that Zelle has not adequately protected consumers and has allowed repeat offenders to take advantage of the system, which puts users at risk of scams. This situation raises important questions about accountability and transparency, which are crucial for ensuring 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, my sister mistakenly sent me {$250.00} through this app. She sent me a text asking me to send them back to her because they were meant for someone else. I sent the money back almost instantly. Then, I received an email from Venmo saying someone disputed this amount and they made my account- {$250.00}. I had already sent the money so I dont know why they took it out of my account. So I responded with screenshots that I sent the money back. They emailed saying they had to investigate with the other partys bank and would rake up to XXXX days, meanwhile people were still sending me money which Venmo was also taking from me because I couldnt access my account since it was frozen. So on XX/XX/year> they said I still had to pay {$250.00} to restore my account because the other sender did not receive the money which I clearly sent back. They are making me pay {$250.00} and they have taken the money other people have sent me as well. Also, my sister never received her {$250.00} back so they are taking over {$500.00} from us. I am very frustrated with this situation can someone please help me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report XXXX credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within XXXX business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo failed to properly safeguard and secure our business account as a customer, highly sensitive personal information during a data breach by one of its employees beginning in XXXX. Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 

Wells Fargo states that it has completed a thorough investigation in this matter. On XX/XX/XXXX, This account is yet active awaiting a fair resolution while Wells Fargo announced a data breach that has raised significant concerns among its customers. We have presented to Wells Fargo via registered mail a Conditional Acceptance letter in which no response has been received other than an unrelated redundant letter received periodically since XXXX stating that it has address the customer breached issue that is completely false. Moreover, just 2 days ago Wells Fargo has reported a data breach due to unauthorized access by a former employee. Sensitive customer information was compromised, prompting immediate notifications. An issue that we have been fighting for and trying to get Wells Fargo to resolve and stop evading our 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 2025-01-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This information is negatively affecting my creditworthiness, and I am requesting an immediate. I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

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: FL

Complaint narrative:
I sent a zelle to the wrong person and I was not able to get it back.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current report.

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:
This is a formal complaint to express my inclusion in a class action lawsuit against Zelle regarding its mishandling of consumer disputes, inadequate security measures, and negligence in resolving fraudulent transactions, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit. I demand to be fully accounted for in this case and reimbursed in full for the financial losses I sustained, with the reimbursement deposited directly into my new XXXX XXXX bank account. 

Facts of the Case 1. Background on fraudulent activity : Several years ago, unauthorized payments totaling {$7500.00} were made from my account through Zelle without my authorization. I immediately reported these transactions to my financial institution ( the issuing bank at the time ) and Zelle. Despite my repeated attempts to resolve this matter, my claims were dismissed, and no investigation or reimbursement was ever provided. 
2. Reporting attempts : I engaged in XXXX separate online chats with Zelle representatives to dispute these transactions. 
I attended XXXX in-person meetings at my bank to report the fraudulent activity. 
I made multiple formal reports to both Zelle and my financial institution, but both failed to take corrective action or investigate adequately. 

XXXX. Lack of access to documentation : The financial institution at the time does not allow access to receipts or transaction records older than XXXX  months, making it impossible for me to retrieve additional evidence for my case. This policy has further obstructed my ability to hold the responsible parties accountable. 
4. Personal and financial impact : The failure to resolve this matter has put me in an extremely vulnerable position. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The stolen funds were essential for my livelihood, and their loss has caused significant financial hardship.

5. Decision to discontinue service : Due to XXXX  failure to resolve this fraudulent issue and the lack of accountability displayed by my previous financial institution, I discontinued my service with that bank entirely. I have since opened a new account at XXXX XXXX, where I request all reimbursements to be deposited. 

Demand for Accountability I demand to be included in this class action lawsuit and fully reimbursed for the {$7500.00} lost due to XXXX  negligence. Additionally, I seek assurances that Zelle will improve its security measures, provide transparency in disputes, and take accountability for the protection of its users. 

The XXXX  findings confirm that Zelle has repeatedly failed to safeguard its platform and its customers, allowing scammers to exploit vulnerabilities. This lack of action must not continue, and I intend to seek justice for the financial and emotional harm I have suffered.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer complaint narrative- It is understood that your credit reporting agency has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. However, According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy.

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: NV

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 CBPB '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 slack 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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am filing a claim regarding unauthorized transactions that occurred through Zelle, which I did not approve. In 2024 I noticed unauthorized charges made from my account using Zelle. I immediately contacted Zelle but they failed to reverse the transactions or provide a satisfactory resolution. I didnt receive any feedback and dont even know if it went through.I believe that Zelles lack of effective fraud prevention measures or prompt customer service has caused me financial harm. 

I am requesting {$2000.00} for the unauthorized transactions, any associated fees, and compensation for the inconvenience caused.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Your company placed inquiries on my credit report that I did not authorize, and its creating issues with my credit that I shouldnt have to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I should have received my direct deposit. Thousands of people other than myself are experiencing the same problem. They have no estimate for resolution. Thousands of people who rely on their check are without funds to buy necessities. And even worse they gave no warning or notice of it happening. Theyre vague and rude when called and give no real information. They initially said the issue would be solved by noon.. then end of day now tomorrow. And some have been told theres no resolution and it may not be available till next week. It all remains to be seen. But many people are in a very difficult situation due to them not being able to fix their systems. And early this morning when they were first called they were saying there were no issues. They didnt even know their system was not working and made no efforts to fix it until receiving many many complaints and the media being involved with news stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX Subject : Request for Goodwill Removal of Closed/Transferred Account To Whom It May Concern, I am writing regarding an account previously held with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX now closed and/or transferred. The account number is XXXX, and it appears on my credit report as a closed account. 

While this account was transferred/closed, I respectfully request that you consider removing it from my credit report as a goodwill gesture. This account may be having a negative impact on my credit score despite my efforts to maintain a positive credit history.

I understand that this account may have been reported accurately ; however, I would greatly appreciate your assistance in removing it to reflect my ongoing financial responsibility. Having this account removed would help me achieve my financial goals. 

Thank you for your time and understanding. Please let me know if you need any additional information to process this request.

Company response to consumer: Closed with explanation