vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Summary of Complaint : I have been a loyal Bank of America customer for over 11 years and have a {$21000.00} credit card account. In XX/XX/year>, a system glitch caused my autopay to be removed, resulting in a {$23.00} missed payment. The account was reported as delinquent in XXXX, which led to a drop in my credit score from XXXX to XXXX. Despite multiple attempts to resolve the issue with Bank of America, including a confirmation from their representative that it was a system error, the issue remains unresolved. I am seeking assistance to correct the inaccurate reporting and restore my credit standing.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Im writing to formally express my concern regarding XXXX handling of disputes. Particularly in light of recent CFPB lawsuits highlighting significant issue with platforms. Despite using Zelle numerous times and reporting discrepancies my financial institutions and Zelle failed to investigate my claim. They informed me that recovering lost found was impossible. The CFPBs finding 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.

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: Experian Information Solutions Inc.
State: TX

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. 
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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 item 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 ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Called XXXX XXXX customer service and stated that I seen on my credit report from a collection agency that there was a {$130.00} bill. The representative stated that the bill was for internet services. As I explained the bill was not mine and representative then stated there also was a wireless account in my name. The representative stated the name on the account was XXXX XXXX. I explained that was not my name. The representative tried to get me to give my name so I can correct it. I refused began to ask more questions about the wireless acct rep had to transfer me to that dept. once transferred the representative asked what my name was I stated and the reason why but the representative also corrected my name on the acct and stated the name was incorrect at first. I began to fuss and asked for fraud dept and was upset rep changed it when I stated it was incorrect and I didnt want it corrected I wanted the information and fraud dept. Spoke with fraud they stated the account was valid due to social used and that they had the incorrect name. Which was still reported inaccurate to the credit bureau

Company response to consumer: Closed with non-monetary relief
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: Early Warning Services, LLC
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX  account. This account was not being deposited into because of losing my wallet and card. After checking my account I noticed multiple transacations via zelle to another person without having any money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am corresponding to formally express my concernment regarding Zelle 's conduct and handling of disputes particularly in the light of the recent CFPB lawsuit emphasizing the platform 's significant issues. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately and fairly. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding further indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users -- such as myself, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent CF PB lawsuit highlighting significant issues regarding 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 tracking is unfeasible. The CFPBs findings indicate the Zelle has not only been neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX Comenity Bank took {$100.00} balance by autopay for my XXXX XXXX XXXX  credit card. Several days later, when I was out of country, they returned the autopay??? 
They called my home phone number, demanding payment. When I returned, on the morning of XX/XX/XXXX I got another call. I immediately paid the total balance of {$430.00}, which included {$100.00} balance for XX/XX/XXXX, plus {$39.00} fee they demanded, and the new balance, which was due on XX/XX/XXXX. I immediately closed that credit card account. As of XXXX XXXX, I owed them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute with Experian regarding inaccurate and incomplete information on my credit file, as well as unauthorized inquiries. Despite providing all relevant details and documentation, Experian has failed to respond to my new dispute in a timely and appropriate manner. 
Their lack of action violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate disputes and respond within 30 days. Additionally, I am concerned about the continued presence of unauthorized inquiries and inaccurate information on my credit file, which negatively impacts my credit score and financial standing. 
This lack of responsiveness is unacceptable, and I am seeking CFPBs assistance to ensure Experian complies with its legal obligations. 

Attached will be the copy of my disputes that I have delivery signatures that show they received them and how they chose not to respond Also on attachment the amount of times and the dates on which they sent me same response via email after a couple tries at disputing I also want to bring to attention about the reporting of an account report on my credit file XXXX XXXX # XXXX where there are all inaccurate and missing information that doesnt match my records but they continue to report this account as verified. I know this account is not varied because I reach out to get the date of this account and doesnt match what on Experian reports. One of the biggest errors is that it reports as a charge off til XX/XX/year> but the last payment was in may how could it still report after last payment day as charge off? This inconsistency is a strong suggestion this account is inaccurate. 
Attached is also documentation to show my concerns.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
The company LVNV has reported 3 different accounts that were credit card companies onto my credit report. I stated to credit companies that I did not open these accounts. Obviously nothing was done about it. I reached out to LVNV and was able to obtain the 3 card companies info. These are not my accounts did not open these accounts nor lived at that address which I noticed is also on my credit report Im guessing because of these companies reporting. I tried to previously dispute these companies but it continuously comes back verified. Which I know for sure these are not being verified. I would like contracts for all three companies with my signature and identification information agreeing to this.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
District Court for Northern District of Georgia XXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation ; Case XXXX Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received any resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions, to make sure theyre removed, and to prevent further unauthorized activity.

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: Experian Information Solutions Inc.
State: TX

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 Burea ( 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 no removed disputed items despite 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 2025-01-16 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: WA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
creditacpt has not giving me any information proving it was me never did any business with them or authorize this alot of stuff pop up on my credit since XXXX had there breach please help me remove these

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Disputed an item on experian website in XXXX and XXXX. It still remains on my credit file as verified. I have no know knowledge of this 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed complaint XXXX and received a response on XXXX stating they are supposedly working on it. I need to obtain a Debt Consolidation Loan and this problem is preventing it. I can not access my Equifax Credit Report and neither can anyone else... apparently that includes Equifax as they never sent me my report as was promised. At this point I may have to seek legal counsel and sue for significant damages. I tried to handle this nicely but apparently this requires a XXXX XXXX. Maybe a suit for $ XXXX might get them to act?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing 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 CSPB findings against Navy Federal or 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 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Over draft fees purchasing going through then I get charged for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to reach out multiple times to correct all of the incorrect names and addresses that are attached to my credit reports. This has become a huge hindrance in me being able to move forward in my life and I need my full name and correct address to be updated by XXXX, XXXX, and Experian. I attached my correct name and address via my bank statement and my profiles need to be updated with only this information.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
{$560.00} was stolen out of my bank account via XXXX. 
I contacted both Chase bank and XXXX and I was transferred to multiple departments with no actual answer or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Im writing to formally express my concerns regauarding 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 CFPB findings indicate that Zelle has not only protect consumers but also has 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/year>, Synchrony Bank sent me a CD renewal notice. 

On XX/XX/year>, I sent this message to their online portal : " Hello, this is an instruction to NOT auto-renew my CD at maturity. '' Synchrony responded, refusing to acknowledge my instructions, and directing me to contact a banker via phone instead.

I reiterated my instructions, and Synchrony again refused to acknowledge them, instead directing me to renew my CD online. I do not want to renew my CD. 

Synchrony Bank should either provide an online option to close the CD, or retrain their customer service agents to handle instructions sent via secure online message.

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