vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, there is a recent CFPB lawsuit that highlights 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. This lack of accountability and transparency is unacceptable and raises serious questions about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: PA

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 your account.

( 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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To whom it may concern. I have reported fraud on my account with Equifax and also provided them with a copy of my police report, proof of address, proof of identification my driver 's license, and a copy of my social security card, proof with my passport and Equifax is still not acknowledging all the proof that I presented. Equifax still continues to give me a hard time removing this wrongful address not associated with my profile. Also, have an open account on my report from XXXX XXXX XXXX XXXX. 

I am disputing an error on my credit report regarding XXXX XXXX XXXX XXXX, This account is inaccurately reported as open under collections. Collections should not be reported as open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after
any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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

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 2025-01-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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

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 2025-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
Subject : Complaint Regarding Fraudulent Practices, Extortion, and Credit Reporting Issues To Whom It May Concern, I am writing to file a formal complaint regarding fraudulent activities and unfair practices that have significantly impacted my financial and legal standing. I request your assistance in addressing this matter. 

Background : On XX/XX/XXXX, I was XXXX to assist with XXXX relief efforts through the Office of XXXX XXXX XXXX XXXX my experience as a former XXXX XXXX XXXX XXXX XXXX Around the same time, my rental agreement with The XXXX XXXX in XXXX XXXX, XXXX, ended. The company released me from my rental agreement, which coincided with the expiration of my lease. This should have been a clean break. 

However, shortly after my departure, several employees of XXXX XXXX XXXX engaged in fraudulent activities targeting residents who were moving out. Acting outside the scope of their employment, these employees, under the implied protection of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, orchestrated a scheme to defraud tenants. XXXX XXXX reportedly assured these employees of immunity by leveraging her fathers political influence. Both XXXX and XXXX XXXX have since been indicted for defrauding XXXX XXXX taxpayers of over {$10.00} XXXX in a separate fraud scheme. 

Details of the Fraud : The fraudulent activities by The XXXX XXXX employees included : Illegally withholding tenants security deposits. I never was allowed to get {$2900.00} in deposits returned. 
Making extortionate demands for additional payments based on forged documentation, including falsified lease agreements and fake certificates of completion. The caused an additional {$2400.00} in fraudulent credit damage, and this has prevented me from buying a new house or a new car. 

XXXX Proceedings : When I pursued legal action in XX/XX/XXXX to contest these fraudulent claims and recover my deposits, I encountered further injustices. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, presiding over the case in XXXX XXXX XXXX XXXX, issued a fraudulent ruling against me. XXXX XXXX acted under the influence of XXXX XXXX to protect his daughters associates at XXXX XXXX XXXX from liability. 

XXXX XXXX also failed to disclose her conflict of interestshe is an active real estate attorney in XXXX XXXX, XXXX, where I currently reside. I have supporting documents to substantiate the fraudulent court proceedings and the fabricated case outcome. 

Credit Reporting Issues : After the court ruling, XXXX XXXX XXXX employees forwarded the forged lease documents and the fraudulent case outcome to Fair Collections & Outsourcing ( XXXX ) in Maryland. XXXX XXXX, an employee at XXXX, collaborated in this scheme by using the fraudulent documentation to inflict permanent damage on my credit profile.

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The Zelle disclaimer stating adviseing you to confirm you knew the recipient

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-01-14 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: IN

Complaint narrative:
XX/XX/XXXX for {$1000.00} XX/XX/XXXX for {$1000.00} The person that the money was for didnt receive the funds, the second transfer was made and still wasnt received. 
Tried to contact the person, XXXX XXXX and no response, Zelle told me there was no way of getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I had an account with XXXX  XXXX XXXX since XXXX up until last year XXXX. I have never had problems until one day my account was closed with no warning or explanation. I called the bank and they could not provide me with a clear answer as to why the account was closed. I also got my number taken off of zelle because of this issue. I went to call zelle about certain transactions made that i needed to receive back and they did not reimburse me. XXXX  XXXX XXXX also withheld the funds from my account for weeks and I was behind on bills because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was scammed using Zelle for over XXXX XXXXXXXX and i tried to get my money back but zelle said it was not a scam and they could not do anything to help me.

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: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Called to report a scam that was done for the amount of XXXX $ via Zelle. I was informed that XXXX XXXX XXXX would look into it and refund me my money. Money was never refunded due to it being sent by Zelle.

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:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX was allowing payments to go through and would not stop payment when it was wrong

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 2025-01-14 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:
Experian has failed to fulfil its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information unverifiable account unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing 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 dispute 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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up with capital one for a XXXXXXXX XXXX XXXX XXXX XXXX account expecting to have a interest rate of around 4 %, But the interest rate was changed to around 0.3 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: IN

Complaint narrative:
Urgent Request Fraudulent Information and Inquiries Block under Section 605B of the FCRA To Whom It May Concern, I am writing to demand the immediate removal of fraudulent accounts and inquiries and incorrect phone numbers and places of employment from my credit report due to identity theft. These inaccuracies are causing significant damage to my credit, and it is imperative that this issue is resolved without delay.Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that the fraudulent accounts listed below will be blocked and permanently removed from my credit file. This is not a requestit is my right, and I expect swift action.

Please be advised that I am invoking my right to have this fraudulent information blocked and permanently deleted from my credit report. You are required to resolve this matter within four ( 4 ) business days of receiving this notice, as stipulated by law.

Failure to comply with this request in the given time frame will leave me no choice but to escalate the matter through all available legal and regulatory channels.I expect confirmation of the removal within the specified timeframe. 


MY only and CURRENT phone number is XXXX Please remove the following phone numbers XXXX XXXX XXXX XXXX XXXX XXXX Remove employers XXXX XXXX XXXX XXXX XXXX XXXX  for everybody Massage XXXX  XXXX I am requesting the removal of LATE payments for the accounts listed below : Account Number Balance Monthly Payment XXXX XXXX XXXX {$30000.00} {$920.00} XXXX XXXX XXXXXXXX {$16000.00} {$570.00} XXXX XXXX XXXX XXXXXXXX {$15.00} {$15.00} XXXX XXXX XXXX XXXX XXXX {$30.00} {$30.00} XXXX XXXX XXXX  XXXX {$17000.00} {$530.00} XXXX XXXX XXXX XXXX XXXX {$270.00} {$29.00} XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$18000.00} {$590.00XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} {$520.00} XXXX & XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will le complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

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:
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 Experians 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