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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Experian has failed to remove a late payment from my XXXX XXXX XXXX account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, Experian was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, Experian has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that Experian urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with Experian and XXXX XXXX XXXX . I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Synerprise Consulting Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide detailed documentation to substantiate your claim, including : 1. The name and address of the original creditor.

2. A detailed explanation of the debt, including the original amount, any fees or interest added, and a breakdown of how the amount was calculated.

3. Verification that you are legally authorized to collect this debt, including a copy of any assignment or transfer of rights.

4. A copy of any agreement or contract that I allegedly signed with the original creditor.

Additionally, I reject any request to provide my wet signature, Social Security number, date of birth, or a copy of my drivers license as part of this process. These items are not required under federal law for debt validation and could expose me to identity theft or fraud.

As outlined in 15 U.S.C. 1692c, I request that all future communications regarding this matter be made in writing to the address listed above. 



Please note that under the FDCPA, any attempt to collect this debt without properly validating it may constitute a violation of federal law.

I am also requesting a copy of that 1099C that I did not receive therefore, this account is inaccurate And is not how youre reporting it on my credit report and I am going to sue you for statutory damages that is fraud I will report this company to irs This is not an acknowledgment of the validity of this alleged debt, nor is it a refusal to pay. It is a request for information. I expect your timely compliance with this request within the legally mandated timeframe.

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 — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle did not require to double check transfer recipient before sending or receiving transfers.

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: SC

Complaint narrative:
I am a 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, 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 2025-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I recently tried to get a personal loan from Sofi bank on XXXX.I made a mistake in the choice I made.Instead of getting the personal loan I wanted. I ended up with a refinance of a personal loan that I already had. Once I realized that the refinance wasnt what I wanted. I called Sofi back onXXXX and talked to a customer service person of the error. The representative stated that once the loan is funded there was nothing I could do. First of all I just confused with all the different options through the automated system. Very confusing! 
The sad part about the whole thing was this process caused me to put in a worse situation. 
My original interest rate was XXXX percent. Through the refinance process I now have XXXX interest rate. I truly feel that Im a victim of predatory lending. My first payment isnt till XXXX.I am extremely disappointed.

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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2025-01-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

List of Unauthorized Inquiries : 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 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 section XXXX XXXX. States I have the right to privacy.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
A dispute was filed case # XXXX where my account on XXXX  was used by someone else. I did not authorize or make the transactions. Charles Schwab dispute department rejected the dispute claim stating that the merchant had sent valid communication that it was valid. Upon looking over this information, there was only user name, pw and log in information along with transactions. No geo location or information that I made these purchases were available. I spoke to the merchant and schwab to obtain more information but no other information was given. I did not make these purchases should I should not be held liable for any of them. The rep from schwab could not give me any information that showed I personally had made these charges except for " log in '' information the merchant gave.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Transunion Accounts XXXX. XXXX Account XXXX : XXXX XXXX {$750.00} XXXX. XXXX XXXX Account Number : XXXX Amount {$1800.00} XXXX XXXX XXXX Account Number : XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Amount : {$350.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$27000.00}. XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$17000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$21000.00} XXXX. XXXX Account XXXX : XXXX Amount : {$300.00} XXXX. XXXX  XXXX Account XXXX : XXXX Amount : {$790.00} XXXX. XXXX XXXX Account Number : XXXX Amount : {$160.00} XXXX. XXXX Account Number : XXXX Amount : {$21000.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : U.S. Bankruptcy Court  XXXX XXXX XXXX  XXXX Reference # 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 2025-01-16 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: SC

Complaint narrative:
On several occasions I have submitted disputes in reference to my address being inaccurate, accounts supply inaccurate information etc. I have requested for investigation into these disputes and Ive been told that they were correct. Some items were removed and reinserted on my credit report. 
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 with Zelles handling of disputes, particularly in light of 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 accurately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I have concerns about Zelles handling of disputes especially because of the CFPB LAWSUIT that showed a bunch of issues the system had. I used Zelle numerous times and would file claims but they wouldnt investigate them. They would tell me that basically my money was gone and it was impossible to recover or track the people that did it. This raises concerns on my part about how they allowed this to happen multiple times. Im worried about my safety while having this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My accounts were closed with capital one because they suspected fraud at the time and due to a ongoing review on accounts Capital one decided to overturn their decision and allow me to bank with them after they noticed that there was never any fraud committed on the accounts. After the decision was over turned a representative reached out to me to inform me that my relationship is no longer ended with capital one and I will be able to apply for new accounts ( checking, savings ) and I informed the agent at the time that capital one reported me to early warning systems do to the suspected fraud on the account. The agent advised me that even though it was reported to early warning systems that a capital one representative manager will be able to override the system if it denies me after I apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC
State: CA

Complaint narrative:
Received texts from company about an alleged debt. I texted back and asked for debt validation. I also asked to cease and desist all forms of contact. I also informed them that I retained a bankruptcy attorney and a ) communications should be directed to my attorney. They kept on texting.

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:
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 this platform. Despite using Zelle multiple times and reporting discrepancies, my final institution, and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers, but has also have allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raisers serious concerns about customer safety.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed items on my credit and they have not fixed it

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: IL

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 tracking the transactions were 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. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

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: TX

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 was impossible and that tracking these transactions was unfeasible. 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.

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:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit. I would like to highlight significant issues Ive faced 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