vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: MD

Complaint narrative:
Dispute of Inaccurate Late Payments on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX Team, I am submitting this complaint to dispute the inaccurate or unverifiable reporting of late payments on my credit report related to my account with XXXX XXXX  XXXX ( XXXX ). These late payments are negatively impacting my credit profile and, upon review, I believe they may violate the following federal laws : 1. 15 U.S.C. 1666 ( b ) : This provision requires creditors to investigate billing disputes and correct errors. If the late payments stem from billing inaccuracies, I request that the creditor be required to investigate and address this issue.

2. 15 U.S.C. 1637 ( b ) : Creditor must provide clear and accurate account statements.If the required notice of due dates were unclear or not properly provided, the reported late payments should be corrected.

3. 15 U.S.C. 1681s-2 : Furnishers of credit information are legally obligated to ensure the accuracy of the information they report. If the late payments can not be fully verified as accurate, they must be removed from my credit report.

4. 15 U.S.C. 1681i : Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to request a proper investigation. 

I am requesting CFPB 's assistance to ensure the creditor conducts a proper investigation, verified the accuracy of the reported information and corrects any inaccuracies. 

Thank you for your time and assistance Sincerely 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 2025-01-22 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: MD

Complaint narrative:
Dispute of Inaccurate Late Payments on Credit Report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX Team, I am submitting this complaint to dispute the inaccurate or unverifiable reporting of late payments on my credit report related to my account with XXXX XXXX  XXXX ( XXXX ). These late payments are negatively impacting my credit profile and, upon review, I believe they may violate the following federal laws : 1. 15 U.S.C. 1666 ( b ) : This provision requires creditors to investigate billing disputes and correct errors. If the late payments stem from billing inaccuracies, I request that the creditor be required to investigate and address this issue.

2. 15 U.S.C. 1637 ( b ) : Creditor must provide clear and accurate account statements.If the required notice of due dates were unclear or not properly provided, the reported late payments should be corrected.

3. 15 U.S.C. 1681s-2 : Furnishers of credit information are legally obligated to ensure the accuracy of the information they report. If the late payments can not be fully verified as accurate, they must be removed from my credit report.

4. 15 U.S.C. 1681i : Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to request a proper investigation. 

I am requesting CFPB 's assistance to ensure the creditor conducts a proper investigation, verified the accuracy of the reported information and corrects any inaccuracies. 

Thank you for your time and assistance Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
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 may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below. 


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 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 explanation
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/year> I received an alert that a hard inquiry from XXXX XXXX  was reported by Transunion. I immediately contacted Transunion because I have never submitted any application to XXXX 's nor had I applied for credit anywhere. Transunion said to contact XXXX 's and to file a police report, and they would investigate. I once again immediately contacted XXXX 's and they confirmed that the application was fraudulent and not authorized. They stated this info would be given to Transunion. I also immediately filed a police report. 

I have provided Transunion with the police report and confirmed on multiple occasions, the last time being today, that XXXX 's has sent the required documents to Transunion advising them the inquiry was not authorized by me and was a fraudulent application. 

Transunion stated they would verify the information with XXXX 's which they have failed to do. 

This not only is ridiculous it's also a violation of the Consumer Reporting Act and my rights. I applied for a loan recently and was denied due to the fraudulent inquiry on my transunion report, because the lender required no inquiries within a certain timeframe. This refusal to remove the inaccurate info has now directly adversely impacted me. 

In summary, in addition to my statement that the inquiry was not authorized by me, the creditor ( XXXX XXXX  ) has provided Transunion with the documentation confirming the credit inquiry should be removed. I have provided the police report stating again that the inquiry was not authorized. There is literally nothing else that needs to be provided for Transunion to remove the inquiry!

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All inquiries, collections, late payments are all incorrect Ive called wrote letter nothing happened I demand all items be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I came across the CFPB Experian Lawsuit.

I was definitenly impacted by Experian. Hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.

But i don't see any details about your investigation.

A fine will be applied soon if proper investigation is'nXXXX applied too. 

Please provide details to investigation or delete accounts.

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 2025-01-22 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:
I had a total of 3 ACH deposits that were supposed to be in my account during their system outage. 1 deposit was finally available in my account yesterday however the 2nd deposit from that same date of posting is missing along with the third deposit that was suppose to be available on the 20th. All Capital One could do is enter a claim to locate the funds and saying this could take up to 45 business days but rest assured we have escalated it and will do our best to give an update by 10 business days. 

Claim # XXXX & XXXX were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I am filing this complaint against Navy Federal credit union regarding multiple overdraft fees that I have occurred since Ive been banking with Navy Federal. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MN

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 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 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been reporting wrong information on debt I made several attempts to fix this issue but no success

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I am requesting to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 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: AL

Complaint narrative:
I am wiring you today to file a complaint against Navy Federal Credit Union due to multiple overdraft fees incurred. Although, my accounts contained sufficient funds when transactions were authorized, I was charged fees due to a delay in posting of charges and credits. My current complaint aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2025 PNC bank withdrew {$550.00} from my PNC Bank, N. A. checking account number XXXX based on a Checking/Savings Withdrawal Ticket signed by XXXX XXXX which Ticket listed his account number XXXX. 
This wrongful withdrawal was brought to the attention of PNC on or about XX/XX/2025 and several times thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX {$5300.00} Acct # XXXX I have requested a complete investigation numerous of times. Which they have yet to provide. Per FCRA each account must be complete and verifiable in order to report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX Money sent was registered under recipient email, Correct email. XXXX also had a number registered to recipient. XXXX sent went to Inactive phone number rather than active email. I have recipients new phone stored yet money sent went to old number. Called to resolve and was told i could not get a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
I filed a dispute on { EXETER FINANCE LLC XXXX } due to them not properly investigating my account. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
There's an item on my credit report that was caused by fraud, and I didn't benefit from it in any way, yet it's still showing up. Despite this, you're continuing to list this false and misleading information on my credit report. It's really frustrating and feels like an attack on my character. Its causing me a lot of stress knowing my rights as a consumer are being ignored. I've already reported it to the Federal Trade Commission, but so far, nothing has been done to remove 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 non-monetary relief
Consumer complaint received 2025-01-22 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: PA

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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation