vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: MN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

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 2025-02-04 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal dispute regarding an inaccurate charge-off on my credit report related to XXXX XXXX XXXX As documented in the attached evidence from the secondary credit bureau, XXXX, this account has been deleted following an investigation. Despite this, Experian and Equifax have not yet updated my credit report to reflect the removal of this account.

I am requesting CFPBs assistance in ensuring that Experian and Equifax promptly remove this charge-off from my credit report in alignment with the findings of XXXX. This account was removed due to identity theft, and it should no longer appear on my credit file. 

XXXX XXXX XXXXXXXX Bal. {$0.00}

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 2025-02-04 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: TN

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are two fraudulent personal loans appearing on my credit report as a result of identity theft committed by my father who has the same name as me with a different middle initial. The first loan is from XXXX for {$2200.00} taken out on XX/XX/XXXX. The second is from XXXX for {$500.00} taken out in early XXXX. I filed the initial identity theft police report to XXXX, New Jersey Police Department on XX/XX/XXXX. I filed an amended police report to XXXX XXXX on XX/XX/XXXX to reflect the correct amounts stolen as well as the bank account and routing number information associated with the loans. 

Experian and XXXX, as well as one of the original creditors XXXX, have refused to remove the accounts from my credit report despite me sending each of them a valid identity theft police report as well as supporting evidence to substantiate my claim of identity theft. My evidence includes text messages where my father directly admits the accounts are solely his. In these texts he tells several lies including that he's not sure why the accounts are appearing in my credit report because the companies confirmed his SSN was used for the accounts. This was proven to be a lie as the companies have confirmed multiple times that my SSN was used to open the accounts. 

The credit bureaus and XXXX are refusing to remove the accounts from my credit report because the loans were deposited into my bank account. However I have sent them bank statements showing the immediate transfer of these funds out of my bank account once received. My father has always had access to my bank account and routing numbers as well as personal information, as he does my taxes. I have explained this to the credit bureaus and XXXX and provided them with bank statements showing the transfer of funds, yet they are still refusing to remove this account from my report. 

The identity theft case is still under investigation by XXXX XXXX and evidence is being reviewed by XXXX XXXX XXXX and Detective XXXX XXXX. Unfortunately this case is very low priority for XXXX XXXX as they deal with a lot of violent crime, so they are taking very long to close the case. 

The XXXX account in particular is causing damage to my credit score due to late payments and fees accrued by my father. It is extremely important that these accounts are removed from my credit report so that my credit can be repaired.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are two fraudulent personal loans appearing on my credit report as a result of identity theft committed by my father who has the same name as me with a different middle initial. The first loan is from XXXX for {$2200.00} taken out on XX/XX/XXXX. The second is from XXXX for {$500.00} taken out in early XXXX. I filed the initial identity theft police report to XXXX, New Jersey Police Department on XX/XX/XXXX. I filed an amended police report to XXXX XXXX on XX/XX/XXXX to reflect the correct amounts stolen as well as the bank account and routing number information associated with the loans. 

XXXX and TransUnion, as well as one of the original creditors XXXX, have refused to remove the accounts from my credit report despite me sending each of them a valid identity theft police report as well as supporting evidence to substantiate my claim of identity theft. My evidence includes text messages where my father directly admits the accounts are solely his. In these texts he tells several lies including that he's not sure why the accounts are appearing in my credit report because the companies confirmed his SSN was used for the accounts. This was proven to be a lie as the companies have confirmed multiple times that my SSN was used to open the accounts. 

The credit bureaus and XXXX are refusing to remove the accounts from my credit report because the loans were deposited into my bank account. However I have sent them bank statements showing the immediate transfer of these funds out of my bank account once received. My father has always had access to my bank account and routing numbers as well as personal information, as he does my taxes. I have explained this to the credit bureaus and XXXX and provided them with bank statements showing the transfer of funds, yet they are still refusing to remove this account from my report. 

The identity theft case is still under investigation by XXXX XXXX and evidence is being reviewed by XXXX XXXX XXXX and Detective XXXX XXXX. Unfortunately this case is very low priority for XXXX XXXX as they deal with a lot of violent crime, so they are taking very long to close the case. 

The XXXX account in particular is causing damage to my credit score due to late payments and fees accrued by my father. It is extremely important that these accounts are removed from my credit report so that my credit can be repaired.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
Someone was able to access my chime account and take money and Caused an XXXX account to be restricted after disputing been unable to use account XXXX $ dollars gone and a account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Capital One regarding their handling of a chargeback dispute for an airport parking service I purchased through XXXX XXXX XXXX XXXX XXXX XXXX 

Issue Summary : I booked a week of airport parking near XXXX XXXX XXXX ( XXXX ) through XXXX expecting to park my car and utilize their advertised free shuttle service. However, after completing my purchase, the confirmation email provided no clear instructions beyond telling me to free park at the designated hotel lot. 

Problems Encountered : XXXX. No Instructions on Required Shuttle Ticket Upon returning from my trip, the shuttle driver requested a parking ticket, which I was never informed I needed. 
My email confirmation did not mention that I needed to obtain a ticket from the shuttle driver upon arrival. 
XXXX. Shuttle Did Not Service All Terminals Not Disclosed I later discovered that the shuttle did not serve all airport terminals. 
This critical limitation was not disclosed on the website or my confirmation email. 
Due to time constraints, I had to pay for an XXXX to the airport, defeating the purpose of paying for this parking service. 
XXXX. Service Did Not Match What Was Advertised I booked this parking expecting the convenience of a free shuttle, as advertised. 
Since the shuttle did not provide the expected service, I had to incur additional costs for transportation ( XXXX ). 
If this information had been disclosed upfront, I would not have purchased this parking service. 
XXXX. XXXX XXXX Record of Misleading Consumers After my experience, I researched XXXX ( the parent company of XXXX ) and found numerous consumer complaints describing similar deceptive practices. 
Many customers have also reported being misled and denied refunds or chargebacks for similar issues. 

Chargeback Dispute & Capital Ones Unfair Decision Given that the service was misrepresented and did not meet its advertised purpose, I requested a chargeback from Capital One. However, despite the clear evidence that : The shuttle service was not properly disclosed The necessary parking ticket process was not explained The service did not match what was paid for Capital One denied my chargeback and sided with the merchant. This decision is unfair and does not align with consumer protection principles. I am formally requesting that Capital One re-evaluate my dispute and that the CFPB investigate XXXX for deceptive business practices. 

I appreciate your attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Complainant : XXXX XXXX I am filing a complaint against Experian, Equifax, and TransUnion for failing to investigate fraudulent accounts, remove derogatory items, and correct personal information, violating the Fair Credit Reporting Act ( FCRA ). 
In XX/XX/2022, I was a victim of identity theft, and fraudulent accounts ( XXXX XXXX XXXX XXXX  ) were opened in my name. Despite filing disputes with supporting documents, these accounts remain, violating FCRA Section 605B.

Additionally, the bureaus failed to verify charge-offs and collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under FCRA Section 611. Unauthorized inquiries ( XXXX, XXXX ) and incorrect personal data also remain. 
The CFPB recently sued Equifax & Experian for similar failures. I demand immediate removal of all disputed items. Noncompliance will result in legal action under FCRA Sections 616 & 617. 
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 2025-02-04 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: DC

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Account Number : XXXX Dear Sir/Madam, I am filing this complaint regarding Credit Acceptance Corporations inaccurate reporting, failure to provide complete disclosures, and violation of consumer protection laws, as supported by the attached documentation.

1. Inaccurate Reporting of Account Details Issue : Credit Acceptance reports my account as delinquent with a {$13000.00} derogatory balance, despite the account showing a {$0.00} balance after voluntary repossession of the vehicle. 
Violation : This contradicts XXXX XXXX compliance standards and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), requiring accurate reporting of credit information.

2. Repossession Without Adequate Notice Issue : The vehicle, a XXXX XXXX XXXX, was in a repair shop for over three months due to financial constraints. Credit Acceptance repossessed it during this period without transparent communication or adequate notice, contrary to applicable laws.

Reference : Attached is the Notice of Repossession dated XX/XX/XXXX, detailing repossession costs and a reinstatement fee that did not reflect a proper breakdown of amounts due. 

XXXX. Gap Insurance Cancellation and Refund Discrepancy Issue : I canceled my GAP insurance policy in XXXX, but no adjustment or refund was applied to my account as required. 
Request : Provide evidence of proper handling of the GAP cancellation and ensure any owed refunds are processed.

4. Violation of Consumer Rights and Inadequate Response to Disputes Issue : Despite submitting disputes regarding account errors, Credit Acceptance failed to investigate and resolve them promptly and transparently, violating FCRA mandates.

Supporting Documents : Refer to the signed contract and attached notices highlighting discrepancies in reporting and communications.

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 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
The last time I spoke to this company, they told me I can pay somewhere around {$7000.00} to have this that cleared, but they not report that amount till the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
and your account.

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Attached will be a FTC report containing 5 fraudulent accounts in which I know nothing about nor did I sign any agreements with any of these companies that should be immediately removed being these accounts are not reporting correctly

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to file a complaint against Bank of America 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief