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 status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In XX/XX/year> XXXX XXXX report me past due 30 days for 6 months, when there associate set up auto payments for my account. With may emergent things in the family and no contact from them I was unaware they were reporting this until after XX/XX/year>, when I got denied credit. I had a payment of XXXX set up on auto, they changed their system and never adjusted my payment. I was never late. Initially the company took the past due payment off only one credit bureau report and fixed the past due payments on my credit report. They adjusted the interest and late fees and sent me a letter stating they fixed this. We were in the process of moving and misplaced the letter. I have been denied credit and given high interest rates because of this reporting. When disputing this on the other credit bureaus they denied it. I made several calls and get no response or help. This has impacted my credit tremendously. We moved to XXXX  and this still keeps my credit score low. Please help. Thank you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I am submitting this report due to information that should not be on my credit report. Equifax verified there was an error in their system that caused my personal information to be leaked and used. I have been denied and need this to be rectified and completed within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Lexington law firm collected fees for several months. There was no change to my credit or consolidation done on my file.

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: SC

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, partially in light of the 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 claim adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency has raised serious concerns about consumer safety.

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 — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
I was saying in this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Only to make it home and have to be rushed to a different hospital where I was treated and given XXXX XXXX once I spoke to the liaison of this hospital it was agreed upon to delete this bill due to their mistreatment of my ailment. I was told I will receive a letter showing that they had agreed upon this in XXXX. I have never received that letter and I have not been able to get back in contact with anyone at the hospital in regards to this. I have disputed it several times and they are not deleting it from my credit report I would like it removed 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 2025-01-16 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: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I was a victim of lexington law and credit repair company by using my informations for telemarketing and junk marketing by sending my informations to several telemarketing companies specially my phone numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one 360 checking did not deposit my direct deposit today XX/XX/year>. They said there were technical errors and thats about it. I called capital one credit also and they would not even say that capital one was experiencing any technical difficulties and then transfers the call back to capital one 360 checking. Capital one did not send any email explaining the issue or reached out in any way regarding this. I have no groceries, no gas, and no answers to when this issue will be solved or what the issue actually is. Capital one wont even say if I can use my card and if its safe to put money into that account.

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:
( 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 2025-01-16 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 regasding 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.

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This was in XXXX I was scammed out of concert tickets. It was a {$600.00} transaction and XXXX and chase does not let me go back past XXXX of XXXX.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX  my friends and I decided to purchase concert tickets from a seller on XXXX. The seller was asking for {$250.00} each for the three of us. Seller stated that the reason they were selling tickets was because she was pregnant and was no longer able to go. We sent {$750.00} to the seller through Zelle to their " email '' which was XXXX. After some time tickets were still not transferred to me so I messaged them again and they then said that they needed another {$50.00} each for the transfer fee. There never was/is a transfer fee with XXXX. We never got sent our tickets meaning we were scammed. I proceeded to call both XXXXXXXX XXXX and Zelle and they failed to provide me any sort of help. Very disappointed with this system, never got our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened my Capital One 360 savings account in XXXXXXXX XXXX XXXXXXXX The interest rate was advertised and rewarded at 4.35 %. I checked this month and the interest rate went down to 3.80 %. I was not notified of this change, no email, no phone call, nothing. I rechecked all of my statements and the interest rate gradually decreased over the months. The interest rate decrease does reflect on the statement, but I was not told this would happen. I dont regularly check my statements.

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees on all my accounts that I incurred. Despite having the sufficient funds when the transactions were authorized, I was charged fees due to the lagging of posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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 accounts 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am a photographer. I took family photos for someone. They sent a Zelle it went to a fraud account. I was in contact with my bank, the bank it was sent to and the fraud team. The other person also was in contact with their bank. We were told they couldnt do anything about it and neither of us got our money out of it. Payment was for {$180.00} in XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I used lexington law but had a different email and address at the time. I want to see if I am a part of the law suit.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
My zelle account was compromised and then hackers were able to trace my zelle account back to my main checking account and wire out XXXX worth of funds that I had to dispute with my XXXX XXXXXXXX. No fraud notification occurred since it started through zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Disputed age of original debt/default being outside statutes. Company updated from debt collection to XXXX XXXX Account and falsely reported.

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: Sezzle Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I closely monitor my credit ( daily ) and I received a notification that there was a " Hard Inquiry '' on my credit report dated, ( today ) Thursday, XX/XX/XXXX from JPMCB. I have NOT applied for any credit cards with JPMCB or any other banking institution since XXXX of last year ( XXXX  ). As a result of this fraudulent " Hard Inquiry '' my score went down with XXXX and XXXX.

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:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX 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 is impossible and that tracking these transactions was infeasible, The CFPBs 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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: GA

Complaint narrative:
sent a letter to Jefferson Capital requesting the purchased agreement and the debt being securitized by the original creditor.

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: MI

Complaint narrative:
I am writing to formally file a complaint against Experian for their failure to investigate and remove inaccurate information on my credit report, despite multiple disputes and supporting documentation that demonstrate the errors. These errors are related to a data breach as they still remain on my report. 

The inaccurate information pertains to XXXX XXXX and XXXX, which are listed as charged-off accounts. This information is incorrect because it should not appear on my report. Charge-offs are considered income under the law and MUST be removed from my credit report. These accounts were settled but are still listed on my report after repeated requests by me to remove them according to the law. I have made several attempts to resolve this issue directly with Experian by submitting online disputes and mailing dispute letters. 

Despite my efforts, Experian has failed to correct the errors or provide sufficient reasoning for their decision to keep the inaccurate information on my report. This situation has negatively impacted my credit score and caused undue stress and financial hardship. 

I respectfully request that the CFPB investigate this matter to ensure Experian complies with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to request the following : A thorough investigation of the disputed information on my credit report. 
Removal of inaccurate information, as mandated under the law. 
Written confirmation from Experian once the errors are corrected. 

The accounts in question and all pertinent information are contained in the previous complaints I have filed with you about this matter. 

Thank you for your attention to this matter. I trust the CFPB will ensure my rights are protected and that Experian is held accountable for its responsibilities under the law.

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: NY

Complaint narrative:
Ive sent multiple Zelle transfers which have either been canceled or not reflected multiple times. From two different banking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has thousands of customers accounts frozen and not being able to access deposits, this is unacceptable and they need to be fined or sued!

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXX the account number XXXX and a reported balance of {$430.00}. On XX/XX/year>, I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice.

2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed.

3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation