vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Recovery Management
State: CA

Complaint narrative:
I'm getting repeatedly phone calls before XXXX harassing me about a debt that their attempting to collect and I am then what debt do I owe and they can't give me that information I would be called the XXXX XXXX XXXX  and they would hang up on me and call me from another number and just tie up my phone line

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
**Brief Description of the Situation : ** I am writing to provide a brief overview of my experience with Cash App regarding unauthorized transactions and difficulties in communication. Over the past year or two, I encountered several issues where money was sent from my account without my consent. Despite my attempts to resolve these issues, I was unable to reach anyone at Cash App for assistance, as there is no available phone number to contact. 

I made several attempts to find a way to explain the situation and seek guidance on how to retrieve the funds that were incorrectly sent. Unfortunately, I did not receive any effective support or resolution from Cash App during these attempts. The lack of communication and assistance has caused me significant frustration and financial concern. 

While I do not have the exact dates or amounts of the transactions, I can confirm that these incidents occurred over the years I made numerous attempts to contact the company without success

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence 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
Consumer complaint received 2025-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
On XX/XX/XXXX, I took a loan from One Main financial to the amount of XXXX. I have made payments of this loan every month beginning XXXX of XXXX. As of now the my balance stands at XXXX. I inquired to know why this is the case I was told based on the documents I signed at obtaining the loan at a rate of 24.13 % annually and my full payment is supposed to be {$24000.00} almost double what I signed up for. Their argument is that I agreed to the terms. I lost my job in XXXX, and still continued making payments I had to make an effort since they were not willing to give me any sort of relief. I belief I have paid back more than I borrowed and it is just fair for this company to stop collecting funds from me. The legal borrowing rate in the state of Washington is 12 % so I was charged double the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Dear Synchrony Bank, I am writing to express my frustration regarding the delayed delivery of my XXXXXXXX XXXX XXXX XXXXXXXX. Despite being informed that the card has been shipped XXXX times since my approval in XXXX, 2024, I have yet to receive it. 

Interestingly, all other correspondence related to my account, including the approval letter and the last two statements, has arrived promptly by mail. This raises concerns about why the card itself has not been delivered successfully. I have requested for the card to be expedited unfortunately I was told that is not possible. 

As this delay has prevented me from using the card and benefiting from the welcome bonus, I kindly request an extension of the welcome bonus period as a goodwill gesture. This would help maintain my interest in keeping the account open. 

I trust you will take the necessary steps to investigate and resolve this issue promptly. Please confirm the actions being taken to ensure delivery of my card and the status of my welcome bonus extension request. 

Thank you for your attention to this matter. I look forward to your response.

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 2025-01-23 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: MD

Complaint narrative:
I've made several attempts to address the fraudulent inquiries and accounts on my credit report, but they remain unresolved. These entries are not mine, and I am not responsible for them. They have caused significant stress and financial hardship. As a victim of identity theft, I may be forced to pursue legal action if this issue is not resolved promptly. These inaccuracies have hindered my ability to purchase a home and provide for my family, severely impacting my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC

Complaint narrative:
I entered into agreement with XXXX XXXX by paying down {$5000.00} XXXX money on a newly constructed home. I selected XXXXXXXX XXXX DBA Sebonic Financial as my lender. During the home buying process my mortgage XXXX XXXX XXXX has given me the run around and wasnt truthfully and forth about the closing cost. Ive asked XXXX several times what is the true closing cost he sent me XXXX different closing disclosure. The first closing cost was on XX/XX/year> and it stated I would receive {$71.00} during closing. The second was sent XX/XX/year> and I stated I would owe $ {$570.00}. The last one I received was XX/XX/year> {$4500.00}. My mortgage XXXX lied to me multiple times. He told me that XXXX XXXX have to pay anything down and I would be receiving anything back. Before this issue got out of hand I reached out to the builder and the closing attorney and advised them of the issue and I told them that I found a lender that would resolve the issue and they advised me that they would not allow me to change lenders and that I will lose my XXXX money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

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 unacceptable lack of accountability and transparency raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Subject : Consumer Rights Violation Under 15 U.S.C. 1692g ( a ) To Whom It May Concern, I am writing to formally file a complaint regarding a violation of my rights as a consumer under 15 U.S.C. 1692g ( a ).

I have verbally spoken to Spring Oak Capital, specifically with their representative, XXXX. I have been informed that the debt in question was placed in their office on XX/XX/XXXX. A validation letter was reportedly sent on XX/XX/XXXX, and the first contact via phone occurred a few days later. 

During our conversation, I confirmed that the address they had on file was XXXX, Texas. However, my current address is XXXX, TX, and has been for some time. Agencies are required to make reasonable efforts, such as pulling a credit report or skip tracing, to ensure they have the correct address for proper notification. These efforts were not made. 

As of today, XX/XX/XXXX, I have updated my address with Spring Oak Capital. However, the lack of proper notification has violated my rights under 15 U.S.C. 1692g ( a ). Had I received proper notification, I would have been afforded the opportunity to recognize, investigate, or resolve the account upon receiving the validation letter.

Given this violation and the improper handling of notification, I respectfully request that this account be removed. As a consumer, I should not be penalized for an agency 's failure to meet their legal obligations. 

Thank you for your time and attention to this matter. I look forward to your response. 

The account is with Spring Oak Capital, balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its illegal obligation under the XXXX XXXX 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 2025-01-23 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: NY

Complaint narrative:
Basically, Ive tried to get articles of debt that I did not insure or debt that XXXX cant even verify, and they cant verify to me canceled. And the credit bureau refused and deny and Im sick of it.

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 2025-01-23 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the improper closure of my Bank of America credit card accounts and the interruption of my Bill Pay service due to Bank of Americas failure to reflect my profile updates. 

I recently received a letter from Bank of America, asking me to update my profile. And in the past few weeks, I updated my profile information multiple times via Bank of Americas online banking website, I did multiple times because I knew their system isn't always reliable. Despite successfully completing these updates, my credit card accounts were closed on XX/XX/year>. When I contacted customer service, I was informed that the accounts were closed because my profile had not been updated. However, I had already made the required updates, and it appears that Bank of Americas system failed to process or reflect these changes. 

Additionally, Bank of America stopped my XXXX XXXX service due to the same issue, which led to a two-day late payment on one of my Bank of America XXXX XXXX XXXX Although this late payment has not been reported to the credit bureaus yet, I am concerned that it may be reported, unfairly harming my credit score. Since the late payment was caused by Bank of Americas system error and not my actions, I believe any reporting of this late payment would be unwarranted. 

This situation has caused significant inconvenience and financial stress. Since I fulfilled my responsibility by updating my profile information, I request immediate action to address these issues. 

I request the CFPB to investigate this matter and ensure that Bank of America : 1. Reviews and rectifies the error in their system that caused this issue.

2. Reinstates my closed credit card accounts with all terms and benefits intact.

3. Reinstates my Bill Pay service.

4. Confirms in writing that the two-day late payment will not be reported to credit bureaus. 
5. Ensures that this incident does not result in any fees, penalties, or negative consequences. 
Please feel free to contact me if you need additional details regarding this matter. 

Thank you for your attention to this issue.

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 2025-01-23 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: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I HAVE CLOSED ACCOUNTS ON MY REPORT THAT I CAN NOT VERIFY AND NOBODY ELSE CAN EITHER.

I'm here asking the CFPB to make these agencies perform properly, and to show me what they have.

I need my original application with my wet signature and the beginning of the account ledger to show the debt My principal allegedly owes.

If not please have this deleted immediately. and have all agencies reflect this change and to mail me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America some months back has started charging a monthly maintenance fee which they used to not charge as long as I made a minimum deposit.

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 monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX INQUIRIES NOT XXXX XXXX XXXX Credit XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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