vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: AK

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
On XX/XX/XXXX I bought a Flight Ticket  on Jet Blue airlines for my cousin XXXX XXXX, XXXX XXXX and was paid with my XXXX XXXX XXXX card ending XXXX when my cousin was unable to flights on that day I try to change the flight date online on XX/XX/XXXX I was unable to completed until they force me the acceptance of a credit card from BARCLAYS BANK , but the flight was already paid from my XXXX XXXX credit card. I received this credit card that was never accepted by me, and they want to collect the money from me from a flight that was paid in full on XX/XX/XXXX telling me that this payment was save for future in Jet Blue Banking. I did not active this new credit card that I don't need or requested. I have the stamen from my XXXX XXXX to provide and an Email copy of XX/XX/XXXX when they informed me that they their credit card but my fligth was already paid.

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 2025-01-15 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 you to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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 2025-01-15 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: TX

Complaint narrative:
I am submitting a complaint against TransUnion, XXXX, and XXXX due to their failure to address inaccuracies on my credit report, despite multiple disputes. The incorrect information continues to appear, and no corrective action has been taken.

FCRA 623 ( a ) ( b ) : The disputed account was not properly marked as " disputed '' on my credit report.

FCRA 605 ( c ) : The date of last activity is incorrect and should reflect the actual date of payment.

FDCPA 809 ( b ) : The collection account has not been validated, even after I requested verification.

I request that the CFPB investigate these issues and take appropriate action to ensure the credit bureaus comply with the law by correcting the inaccuracies, marking the account as disputed, and providing proper validation of the 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 non-monetary relief
Consumer complaint received 2025-01-15 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:
I am submitting a complaint against XXXX, XXXX, and Experian due to their failure to address inaccuracies on my credit report, despite multiple disputes. The incorrect information continues to appear, and no corrective action has been taken.

FCRA 623 ( a ) ( b ) : The disputed account was not properly marked as " disputed '' on my credit report.

FCRA 605 ( c ) : The date of last activity is incorrect and should reflect the actual date of payment.

FDCPA 809 ( b ) : The collection account has not been validated, even after I requested verification.

I request that the CFPB investigate these issues and take appropriate action to ensure the credit bureaus comply with the law by correcting the inaccuracies, marking the account as disputed, and providing proper validation of the 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 2025-01-15 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-15 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: VA

Complaint narrative:
I a writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the 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 2025-01-15 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed a account was not reporting accurately. I have XXXX late payments on an account was in fact not supposed to be mark as late. The consumer reporting agencies need to report all information with complete accuracy. The delinquent payments showing on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the result of my job loss due to XXXX. The CARES ACT which was signed into law on XXXX XXXX and ended XX/XX/XXXX. The act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information and remove late payments for the following periods.

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: 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed a account was not reporting accurately. I have XXXX late payments on an account was in fact not supposed to be mark as late. The consumer reporting agencies need to report all information with complete accuracy. The delinquent payments showing on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the result of my job loss due to XXXX. The CARES ACT which was signed into law on XXXX XXXX and ended XX/XX/XXXX. The act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information and remove late payments for the following periods.

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: Early Warning Services, LLC
State: MT

Complaint narrative:
On the dates of XX/XX/XXXX, XXXX through XX/XX/XXXX, I was purchasing a vehicle. The seller of the vehicle had a listing on XXXXXXXX XXXX XXXX stating he had a XXXX XXXX XXXX for sale. In his listing it read 6 month/ XXXX mile warranty included XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXXotally loaded with all options XXXX miles -Clean title -No issues -Runs and looks great -New spark plugs and ignition coils XXXX horsepower {$13000.00} No trades, low ballers will be ignored The car ran fine for the XXXX XXXX and shortly after the sale, the car had problems. I reached out to the man selling me the car when it started having problems. I asked for some money back as I wired money to him through Zelle. He said he would be willing to help me out then blocked me. XXXX finally making the rest of my trip home, I found out from my trusted mechanic, that there was major internal problems with the engine of the vehicle. I didnt reach out to Zelle for help acquiring money back from Zelle XXXX I read that once money is sent, I can not get it back.

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

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 consumers ' safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One will not stop sending XXXX credit card offers to my address. They are addressed to the former owner of my house. I am a current Capital One customer. They have been sending them since XXXX ( when I bought the house ). I have returned about XXXX of them to sender stating the person is no longer at this address. I have returned to sender with the addressee 's forwarding address in XXXX. I have called them twice in XXXX asking them to stop, and they verified that they will stop sending them. I spoke with a XXXX named XXXX or XXXX. I have put the name and address in the opt-out prescreen twice ( I think the first time was in XXXX or XXXX ) and it did not stop the offers. I have contacted them XXXX times via XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), they responded and said the offers will stop. They did not stop. In XXXX, I sent about XXXX of the offers with a written request to stop sending them via certified mail to their XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX address. I have also emailed XXXX on XX/XX/XXXX. I have not received a response via email. I still continue to receive these offers. The most recent one was received on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: AR

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 CFPB findings against Navy Federal for similar practices, 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 2025-01-15 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 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 were impossible and that tracking these funds was unfeasible. The CFBPs findings indicate that Zelle not only neglected to protect consumers but had 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 2025-01-15 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Early Warning Services, LLC
State: NJ

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 that the transactions of tracking the transfers were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Capital One 360 Savings Account in XXXX of XXXX because they advertised that the account had some of the highest interest rates in the industry. However, in XXXX of XXXX I discovered I was only earning 0.3 % APY, very much below the industry average despite the marketing claims. However, I then discovered a product called the Capital One 360 Performance Savings Account was earning 3.9 % APY at that same time. At no point was this XXXX account ever offered or marketed to me by Capital One, and I only learned of its existence after seeing my incredibly low APY and reading Internet forums to determine what was going on. I was especially confused because the 360 Saving Account was entirely identical to the 360 XXXX  Savings Account except for the word XXXX  and the APY. 

With an initial principle of {$12000.00}, I estimate that I lost out on {$670.00} of interest over a period of XXXX years. As a young college student, that {$670.00} could have gone a long way in improving my financial security. 

Capital Ones marketing and business practices were intentionally deceptive and caused me real financial harms. Had Capital One made me aware of the new XXXX product or my falling interest rates, or automatically converted my account, I would have made the switch immediately instead of having to catch the discrepancy myself XXXX years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reinvestigation of disputed information on credit report, leaving inaccurate or unverified accounts unresolved. The consumers financial protection bureau ( cfpb ) has recently filed a lawsuit against experian, alleging systemic issues, such as failing to for consumer provided evidence to furnishers, except the unreliable responses, failing to adequately notify consumers of dispute outcome. These failures align with my experience, where experience has neither corrected or removed disputes despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate correction action to remove our amend disputed accounts, as experians inaction 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 2025-01-15 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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