vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
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 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report that I believe does not comply with the provisions under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, which governs the accuracy and completeness of the information reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 1681b of the FCRA, I am entitled to dispute information on my credit report that is not verified as accurate. 

I request that you thoroughly investigate this charge-off and confirm its accuracy. If you are unable to verify the charge-off or provide adequate documentation supporting the validity of this debt, I kindly request that you remove this charge-off from my credit report. The information listed is affecting my creditworthiness, and under the FCRA, you are required to ensure that all information provided to me is accurate and verifiable.

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 2025-01-25 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$690.00} XXXX  Account # : Balance : {$2200.00} XXXX - XXXX Account # : XXXX Balance : {$3600.00} XXXX XXXX XXXX Account # : XXXX Balance : {$18000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights 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 2025-01-25 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:
I requested for Experian to remove several accounts off my credit report they have not sent information at all that I havent requested asking them to validate this is my account asking send paperwork. I requested information from them XX/XX/XXXX they keep coming back saying account is verified without paperwork from the company XXXX {$0.00} account open XX/XX/XXXX account charged off reporting balance XXXX XXXX {$0.00} account open XX/XX/XXXX account charged off reporting balance XXXX XXXXXXXX {$340.00} account open XX/XX/XXXX account charged off reporting a balance XXXX XXXX XXXX  {$680.00} account open XX/XX/XXXX {$680.00} account charged off reporting balance XXXX XXXX XXXX {$1500.00} account open XX/XX/XXXX {$1500.00} account charged off reporting a balance

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 2025-01-25 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 filed a dispute with Experian. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am requesting from Nation StarXXXX during the modification process. Case # XXXX This is in response to complaint I need clarification that no payments were going to be accepted during the process until I was conditionally approved to make trial payment correct? 
With respect to the call transcripts and recording, do I need to file a civil complaint in order to get a subpoena?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Experian 's Improper Deletion of a Closed Account in Good Standing To Whom It May Concern, I am submitting this complaint to request an investigation into Experians improper deletion of a closed account in good standing from my credit report. Specifically, Experian removed my XXXX XXXX credit card account, which was an essential component of my credit history. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete credit information. 
The deletion of this account undermines the accuracy and integrity of my credit report and negatively impacts my credit profile. As a closed account in good standing, this account should have remained on my credit report for up to 10 years from its closure date.The deletion year for this account is XXXX. Experian has failed to uphold its obligation to report accurate and complete information about my credit history. 
I am attaching screenshots and supporting documentation for your review. These include : A record of the deleted XXXX XXXX accounts removal. 
Recent credit Screenshot showing it was present. 
Correspondence with Experian requesting clarification and resolution and restoring my account. 
I request the following actions from your office : Conduct a thorough investigation into Experians handling of this matter, including their decision to delete this account. 
Determine whether this behavior is part of a broader pattern of failing to maintain accurate and complete credit information. 
Take steps to ensure Experian restores the deleted account to my credit report and complies with the FCRA moving forward. 
Experians actions have caused significant frustration and concern. I trust that the Consumer Financial Protection Bureau will address this matter promptly to prevent further harm to myself and other consumers. 
Thank you

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Im writing to formally express my concerns 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America still reporting closed account as delinquent. Under a Debt Mgmt Plan

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 2025-01-25 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C 556 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative procedding ( file, No. 2025-CFPB-0002 ) against the for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX  XXXX BANKRUPTCY XXXX ref # 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 non-monetary relief
Consumer complaint received 2025-01-25 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:
In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. XXXX : XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
US Bank credit card company takes TWO WEEKS to process mailed payments. 
I have contacted them and asked the reason and also asked if the company stamps payment envelopes when received through the post. .. they have no answer for this. 

Payments should show posted on the date that the mail is RECEIVED -- and is surely does not take TWO WEEKS for an envelope to be received at the company. By law, they have to stamp mail on the date it is received. 

Please ensure that this company follows 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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
In XXXX XXXX I received a text from Chime giving a code. Then I received a second text stating Welcome to Chime your account is ready! 
I never opened a Chime account and had never heard of the company. 
Then XXXX days later on XX/XX/XXXX, I received another text stating : CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. 
Did you try to use your Chime card ending XXXX for {$310.00} at XXXX XXXX 
XXXX ' on XX/XX/XXXX? Reply XXXX or XXXX. 
I replied No and then they sent this : The transaction was blocked and no funds have been taken from your account. 
If you believe your card was stolen or compromised, please disable transactions in the Chime app and request a new card from the settings screen. 
I tried to call Chime XXXX XXXX several times at XXXX but can not get anyone on the line to cancel this account. I sent an email to XXXX to tell them that I did not open an account and to close it immediately and that I was : File a report with the FTC at XXXX File a report with your local police department File a report with IdentityTheft.gov, the XXXX XXXX for reporting and recovering from identity theft File a report with the XXXX major credit bureaus : XXXX, XXXX, and XXXX Then in XX/XX/XXXX I received a Chime Visa Debit card in the mail. I have not heard back from Chime in an email as of yet. Please help me stop this company from damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal 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 non-monetary relief