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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
For nearly XXXX years, I have tirelessly worked to present clear and compelling evidence to XXXX, a third-party debt collector, and the original company involved. Despite my efforts, which included providing indisputable proof, I have been met with repeated resistance and what I perceive as a lack of genuine investigation. Each time Ive submitted information, the outcome has been the same, leaving me feeling ignored and dismissed. 

This process has caused me extreme anxiety and a deep sense of frustration. As a consumer, it feels profoundly unfair to be left without clarity or resolution, especially when Ive done everything within my power to demonstrate the errors that have been made. I believe that if even one person within these entities had truly done their job, my situation would have been resolved long ago.

Instead, Ive been left feeling railroaded and voiceless, with my concerns falling on deaf ears. Despite expressing the errors and their impact on my life, nothing has changed. At one point, I believed my only options were to file a police report or hire a lawyer because I didnt realize there were other resources available to me.

Im sharing this now in the hope that my experience will not only be heard but also acknowledged with the seriousness it deserves. Consumers like me deserve fair treatment, accountability, and resolutionnot an uphill battle against a system that feels impossible to navigate.

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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid for lawn mowing services through Chase XXXX. There was never a warning message when sending money. The requester did not complete the services and I was not able to be refunded the money that he owed me for the services he did not do.

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: CA

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 2025-01-15 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX  Account Number : XXXX Amount : {$510.00} Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Amount : {$2300.00} Date of Account : XX/XX/XXXX Creditor/Collection Agency Name : Account Number : XXXX Amount : {$2300.00} Date of Account : XX/XX/XXXX

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: GA

Complaint narrative:
Report Number XXXX XXXX XXXX  Account number XXXX Account type Mortgage Responsibility I have asked Experian to fix this account numerous times. They always come back verified yet I recieve no information on who verified tge account, what is their contact information, how did they verify my payment history. The account is not accurate and I have a right under the FCRA to an accurate 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 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: NY

Complaint narrative:
XXXX, XXXX and Transunion 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 XXXX, 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 XXXX 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 XXXX '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 2025-01-15 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: NY

Complaint narrative:
XXXX, Experian and XXXX 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 2025-01-15 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 complain about Zelle and their transactions. was sent a Zelle for over {$1000.00} that apparently was a fraudulent payment. I was fully unaware and assumed the money was mine because I am self employed, instead a few months go by and Zelle retracts the money leaving me with no money in my account. XXXX ended up closing my entire checking account and sending me to collections due to this unauthorized payment. 
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 2025-01-15 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: MD

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes in light of the recent CFPB lawsuit highlighting issues with the Zelle platform. Despite using Zelle numerous times and reporting the discrepancy, my banking institution and Zelle failed to investigate properly. I was informed that recovering lost or missing funds is not traceable. The CFPB 's findings indicate that Zelle neglected to protect consumers and I am apart of that group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There were withdrawals from my checking account that I did not authorized when I went to the bank they told me that two companies were using my checking account number and router number to withdraw money from my checking account with TDBank. XXXX WITHDRAW {$4.00} on XX/XX/year> and {$24.00} on XX/XX/year> I did not authorized these payments, they stole my checking account number and my router number to make these withdrawals. The bank refused to give me credit for these charges that did not authorized. There were also other withdrawals made from my checking account with faked Checks made with my information. They printed my name, address, phone number, account number and said that I authorized those checks. They stole my information and made these withdrawals XX/XX/year> {$3.00}, XX/XX/year> {$31.00}, XX/XX/year> {$34.00}, XX/XX/year> {$29.00}, XX/XX/year> {$31.00}, XX/XX/year> {$34.00}, XX/XX/year> {$29.00} TD Bank refused to give me credit for all the money withdraw from my checking account without my authorization. Someone stole all my information. I am XXXX XXXX XXXX and they committed fraud and stole My money. Please help me because TD bank doesnt want to give me back credit for these charges

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: TX

Complaint narrative:
Iam writing to file a complaint with Navy Federal Credit Union regarding multiple over draft fees I have. Despite having sufficient funds when transactions authorized. I was charged fees due to lagged posting of charges and credits. This is the same as what the findings against Navy Federal. I would like an investigation into my account.

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Wolf River Development Company
State: AZ

Complaint narrative:
I did not apply for or recieve funds for a loan from Today cash. There is a fraudulent account open in my name with the wrong employment information and unknown banking information. I did not apply for this, I have no idea who today cash is. This is fraudulent. They are harassing me for collections and tried to garnish my wages! This is not my account!! I jave bank statement XXXX showing I recieved no funds from them.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I would like to initiate an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. These accounts were removed earlier but have since been added back without my awareness. I have not been notified of their return, nor have I received any correspondence in the mail regarding this.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : INQUIRIES : XXXX : INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX EXPERIAN : INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX INQUIRY ACCOUNT XXXX : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate 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 2025-01-15 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : INQUIRIES : XXXX : INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX XXXX : INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX XXXX DATE : XX/XX/XXXX TRANSUNION INQUIRY ACCOUNT XXXX : XXXXXXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate 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 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: GA

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 2025-01-15 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: MA

Complaint narrative:
Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the first place.

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: CT

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 that 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 not possible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Using Zelle the money was send to a different phone number and I didnt get any refunds.

Company response to consumer: Closed with explanation