vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good afternoon and happy new year, I am writing to bring an urgent matter to your attention regarding my credit history. Over the past year, I have been reviewing and communicating with your company about errors and unknown information on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX filed my dispute with updated information, associated with consumer number ( XXXX ) and case number ( XXXX ). It has now been over 30 days, and I have yet to receive a response from your company. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, and 611, you are required to investigate disputes and respond within a reasonable timeframe. Due to your failure to act on the inaccuracies I reported, all incorrect information must be deleted immediately. 

The lack of communication and urgency has resulted in significant harm to my credit score, which is now classified as " POOR '' as of XX/XX/XXXX. This situation has severely limited my ability to increase my credit limit and seek assistance from other banks and lenders. Below are the specific issues I have encountered : 1. Inability to access my credit history.

2. Inaccurate and misleading information listed in my report.

3. Negative information and false entries that are not accurate.

4. Unknown addresses and accounts that have not been verified or confirmed with my signature and proof of identity.

5. Updated information that I did not approve, which I believe violates the FCRA.

6. Reporting of late payments that are illegal ; only current and on-time payments should be reported. 

As of XX/XX/XXXX, I have decided to seek legal counsel and pursue legal action due to these unresolved issues. I request that you only contact me regarding the correction of these errors and provide supporting evidence and documentation of the actions taken. Thank you for your prompt attention to this matter.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good afternoon and happy new year, I am writing to bring an urgent matter to your attention regarding my credit history. Over the past year, I have been reviewing and communicating with your company about errors and unknown information on my credit report. On XX/XX/XXXX, XXXX XXXX XXXX filed my dispute with updated information, associated with consumer number ( XXXX ) and case number ( XXXX ). It has now been over 30 days, and I have yet to receive a response from your company. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 609, and 611, you are required to investigate disputes and respond within a reasonable timeframe. Due to your failure to act on the inaccuracies I reported, all incorrect information must be deleted immediately. 

The lack of communication and urgency has resulted in significant harm to my credit score, which is now classified as " POOR '' as of XX/XX/XXXX. This situation has severely limited my ability to increase my credit limit and seek assistance from other banks and lenders. Below are the specific issues I have encountered : 1. Inability to access my credit history.

2. Inaccurate and misleading information listed in my report. 3. Negative information and false entries that are not accurate. 4. Unknown addresses and accounts that have not been verified or confirmed with my signature and proof of identity.

5. Updated information that I did not approve, which I believe violates the FCRA.

6. Reporting of late payments that are illegal ; only current and on-time payments should be reported. 

As of XX/XX/XXXX, I have decided to seek legal counsel and pursue legal action due to these unresolved issues. I request that you only contact me regarding the correction of these errors and provide supporting evidence and documentation of the actions taken. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligations under the fair credit reporting Act. ( FCRA ) to conduct a reasonable re-investigation of the disputed information on my credit report, leaving in accurate or unverifiable account unresolved. Consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately modify consumers of dispute outcomes. These filler align with. My experiences. Were Experian need corrected or removed disputed items despite the evidence I have provided, wasnt ongoing harm to my credit standing. Im requesting immediate corrective Action to remove or to amend disputed accounts as experian in action 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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Zelle had a missing disclosure when I zelle someone in the past so I sent the wrong person and could not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Money was sent to incorrect user on Zelle due to misleading information and my bank will not assist with giving me my money back and protect my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Subject : unresolved issues : Complaint Regarding Unauthorized Federal Withholding Tax Deductions- Citibank Account [ XXXX ] I am writing to formally file a complaint against Citibank regarding the ongoing unauthorized deduction of federal withholding tax from my savings account. 
I opened this savings account with Citibank in XXXX. Since the account 's inception, Citibank has been erroneously deducting federal withholding tax. 
In the beginning of XXXX, XXXX, I filed a complaint with Citibank regarding these unauthorized deductions. Citibank responded by stating that they would reverse all federal withholding tax deductions upon receipt of my W-9 form. I verified with a Citibank representative in XXXX and also XX/XX/XXXX that they had received my W-9 form and when I called again in this month, XX/XX/XXXX, I was told by the representative that I am indeed W-9 certified. 
Despite receiving my W-9 form and my initial complaint, Citibank has : * Failed to reverse the previously deducted federal withholding tax. 
* Continued to deduct federal withholding tax from my savings account as of today. 
I contacted the CFPB in XX/XX/XXXX regarding this issue. A CFPB representative advised me to file another complaint in XXXX XXXX if the issue remained unresolved. 
I request the following resolutions : * Immediate reversal of all unauthorized federal withholding tax deductions as promised in the letter from Citibank. 
* Cessation of future federal withholding tax deductions from my savings account. 
* Compensation for any inconvenience and financial hardship caused by these unauthorized deductions. 
I have attached copies of the communication with Citibank regarding this issue ( response letter indicates that they will reverse the funds ) I look forward to your prompt attention to this matter and a swift resolution to this 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 non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The debt of the credit report has misinformation of the debt being owed. I have asked the company to provide me with the debt owed from the original contractor with signed contract and proof of ownership. On the credit report, my credit history has incorrect information. I have disputed this debt on several occasions and Experian has not removed the account it just generates different information ( Payment History ) and does not complete a thorough investigation.

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 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX  sued me and they lost in court, this is not my debt and I mailed Transunion the order of dismissal from the judge of the 13th circuit in and of XXXX XXXX and the negative information is still listed on my credit report, I disputed as to how they were receiving validation if XXXX could not validate in court how were they validating to Transunion

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX not only has 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 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 2025-01-14 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: MI

Complaint narrative:
XXXX asked for collections and bankruptcy to be investigated but no proof was given even sent proof from courts that they have no knowledge of it. 
XX/XX/year>XXXX same information but no proof of their investigation. 
XXXX same information no proof XXXX same info no proof XXXX same info no proof was given

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 2025-01-14 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: IL

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 2025-01-14 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: CT

Complaint narrative:
I am writing to formally address some inaccuracies I have discovered on my credit report from Experian. Upon thorough review, I identified several reporting errors that have negatively impacted my credit profile. I have previously disputed these erroneous reports with the respective companies, agencies, and student loan servicers involved. Unfortunately, each response has reiterated that the reported information is accurate and that no changes will be made to my credit report. This situation has prompted me to invoke my rights under Title 15 of the United States Code, which pertains to commerce and trade, including protections against unfair reporting practices ( 15 U.S.C. 1681, 1681f ), and under section 623 of the Fair Credit Reporting Act ( FCRA ). In addition Experian has experienced a data breach which made my personal information vulnerable to hackers. In light of this, I am requesting a complete deletion of the negative information from my credit record. I believe that the continued presence of these inaccuracies is unjust and detrimental to my financial standing. I appreciate your attention to this matter and look forward to your prompt response. Should you require any additional information or documentation from my end, please do not hesitate to reach out.

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 2025-01-14 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: CA

Complaint narrative:
previously when you zelle money to someone and you send it to the wrong number/ person you cant get your money back. there was no clarification that you are sending to the right person before sending the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conducts reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic 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 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 2025-01-14 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 sent money {$300.00} to someone by mistake. Using the zelle money transfer service. The service doesnt warn you at the time until recently** a disclaimer about once sent it cant be retracted if it were a mistake/scam etc. I contacted zelle and I spoke with my bank neither brought remedy to the issue. I was really struggling from that loss at the time. I was met with no compassion or help. Im one of many people who have had these issues prior before recently zelle adding safe guards aka making multiple warnings before finalizing sending funds. This happened in XXXX of XXXX. Details provided in the screenshot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I have submitted a payment change form that they confirmed is received. They are supposed to put me in a processing forbearance upon receipt of the request. XXXX XXXX  customer service agents say an advanced agent must fix the mistake, but they continue to disconnect the call ( multiple attempts after 5 hours of waiting on hold on different occasions ). There is a recording of someone pretending they can't hear me but it is a recording. On another occasion they answered the call and didn't say anything for ~20 minutes and then hung up. It is clear deflection so they do not have to comply with the request. This deflection is causing my student loans not be be forgiven under the PSLF program. I am unable to resolve the issue with Mohela and thus I am reaching out for assistance from CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
My personal information may have been subject to major data breaches in XXXX, XXXX and again in XXXX. This is not my debt

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 2025-01-14 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: NY

Complaint narrative:
My personal information may have been subject to major data breaches in XXXX, XXXX  and again in XXXX. This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was paying my mom for rent. 
I sent her {$500.00} through zelle She never got it in her account I called my bank and they said they couldnt send me my money back. I called zelle customer service and they said it was out of their hands. Its really upsetting because it was a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have a debt on my credit report listed as XXXX XXXX XXXX XXXX. The debt balance is from XX/XX/year> and is for {$250.00}. Upon speaking with personnel regarding the original debt the balance is {$130.00} which was subsequently sent to collection this amount is supposedly in reference to equipment that had not been returned to XXXX  upon cancellation of services. This balance was subsequently transferred to an outside collection agency by the name of IC System. Upon contacting IC System they have advised that the balance is {$250.00} and not the {$130.00} that XXXX has advised me is the cost of the debt. IC Systems stated that the equipment fees were {$120.00} and the rest was a past due balance which is incorrect. Upon speaking with the original creditor they were able to verify within the system that the equipment had been returned and that this debt is in error but yet the proper corrections have not been made to my credit report and this information is derogatorily reporting and needs to be removed/deleted immediately.

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 2025-01-14 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: SC

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that were made without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report that were made without my knowledge or authorization.

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