vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: WI

Complaint narrative:
In early XXXX I contacted Loancare to ensure my mortgage taxes would be paid on time. 

On XX/XX/XXXX I received noticed that my property taxes were delinquent and not paid. amounting to XXXX in fees from the XXXX XXXX  treasury department I called the company near XX/XX/XXXX and they were unwilling to to resolve it without me going through their ticketing process. I promptly uploaded the bill and created a ticket. 

No response to this ticket was received On XX/XX/XXXX I received another notification from the XXXX XXXX treasury department. I promptly uploaded this and to date have received no response. 

On XX/XX/XXXX I paid the city of XXXX the over due fees to prevent further issues with late fees and my tax delinquency I immediately called Loan Care to notify them and request reimbursement. They refused without formal notification through mail. After having to do multiple calls, I am no longer to hop through more of their hoops

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 2025-02-28 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-28 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : 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 2025-02-28 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: MO

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to submit a formal complaint regarding unauthorized transactions on my account at Citizens Bank. Few years ago, I noticed fraudulent activity that resulted in unauthorized charges. I immediately reported the incident to Citizens Bank, filed a police report, and submitted all pertinent documentation to verify that the transactions were not made by me. 

Despite my prompt actionsincluding placing a credit freeze to protect my informationCitizens Bank has failed to address the issue adequately or restore the funds lost due to this fraudulent activity. This negligence has imposed an undue financial burden and compromised my financial security. 

I kindly request that the CFPB investigate this matter to ensure that Citizens Bank re-examines my case, reverses the fraudulent transactions, and strengthens its fraud prevention measures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 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: AZ

Complaint narrative:
As this account is under pending litigation, it does not reflect the accurate and final disposition of the matter. There is no justification for it to remain on my credit report, especially given the legal proceedings that are currently underway. I have taken every step necessary to ensure that my credit report reflects only accurate, verifiable, and up-to-date information. This account, in its current state, clearly violates that standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My debit card was compromised and my money was taken out of my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My credit score has been XXXX for decades. This month, my credit score dropped by XXXX points. When I investigated why this occurred, it was because my credit card company, Capital One, failed to report my account information with the credit agencies. Both XXXX and XXXX show that I don't have a credit card and also show that I don't have any credit. All of my bills with every creditor, including Capital One, have been paid on time. I am a customer in good standing with Capital One and have a {$32000.00} credit limit. As a result of Capital One 's mistake, I can not even attempt to go to another card because my credit score is too low. I recently attempted to get a card from XXXX XXXX and was rejected. Capital One 's dereliction of duty has had a direct impact on my credit and has had a clear detrimental impact on my financial well being. In addition, there error has forced me to remain as their customer because my reduced credit prevents me from going elsewhere. It has been over a week since I contacted them about this issue and while they acknowledge the problem, they have failed to address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed a pull from my credit on XX/XX/year> On XX/XX/year> from capital one. 

I called XX/XX/year> to let them know they said they will do an investigation. I was still unsure if the account will be closed so I called back and a representative did confirm the account will be locked.

Im making this complaint so no further actions of scam happens. When logging on to consumer finance.gov website the system told me I have an account with my email and I never did so please get back with my next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 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: MI

Complaint narrative:
I have noticed that there are accounts that doesnt belong to me

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 2025-02-28 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: AZ

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint concerning unauthorized transactions on my TD Bank account. I discovered that my account had been compromised by fraudulent activity resulting in significant financial loss. I promptly reported the matter to TD Bank, filed a police report, and provided all necessary documentation to substantiate my claim. 

Despite my immediate action and compliance with all required procedures, TD Bank has not taken sufficient measures to resolve the issue or reverse the fraudulent charges. This inaction has not only caused considerable financial distress but also raised serious concerns regarding their fraud prevention and resolution protocols. 

I respectfully request that the CFPB investigate this matter to ensure that TD Bank re-examines my claim, reverses the unauthorized charges, and improves its security measures to protect customers from similar incidents in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
XX/XX/year> Customer Service Department Subject : Request for Review and Unlocking of my Zelle Account I am writing to you in order to request a detailed review of the restriction imposed on my access to Zelle, associated with my XXXX XXXX account. Recently on the XXXX of this month ( XXXX ) I was notified that my account has been blocked due to alleged fraudulent activity, a situation that I do not know and with which I have no relationship. On XX/XX/XXXX my son-in-law asked me if I could receive money in my account for a piece of clothes he sold, I said yes, I received a transfer from Zelle for the amount XXXX {$2000.00} in my account, this amount was transferred immediately via Applepay to my son-in-law XXXX a week later on XX/XX/XXXX when I went to transfer the rent money I see that my Zelle is deactivated. 

We have been calling the bank, calling Zelle, we have gone in person to the bank and not or we have specific help, they only say that the person who made the transfer reported a fraud and they ask me to make a letter with an authorization of that transfer ( what authorization? Zelle does not ask for authorization to receive money ) we try to communicate using different phone lines with the person who reported fraud to ask what has happened but his phone always appears off which is suspicious and you are waiting for a refund. 

I never received a letter, a statement, a notification to inform me that this person was asking for his money back or that something was happening, I am a hardworking person and very respectful of the laws, they just closed my account and called me a scammer without first trying to find out and reach an agreement. 

They say that the only solution is for that person to withdraw his accusation or else I will never be able to use Zelle, something impossible to achieve since we could not communicate with the person to explain the reason. The only thing we got was a case number # XXXX. 

I want to make it clear that at no time have I made fraudulent transactions or engaged in activities that violate the terms and conditions of the service. If my account has been compromised in any way without my knowledge, I am willing to fully cooperate to clarify the situation and prove my innocence. 

I would appreciate it if a thorough review of the case was carried out and that I was informed about the steps to follow to solve this problem. If additional documentation or evidence is required to prove the legitimacy of my transactions, I am in the best disposition to provide them. 

At this point it seems to me that the person who accuses me is the one who is committing the fraud since it seems that she is hiding and there is no way of cooperation I look forward to your prompt response and a favorable solution as soon as possible. I appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There was tax increase in XXXX which was not caught by Chase 's escrow department. Payments were increased in XXXX to cover the shortage however it was at no time conveyed to me that the escrow deficiency was going to be added to the mortgage balance reported to the credit agencies. It is still unclear how this is legal when the mortgage balance should not reflect an escrow amount. Furthermore, the balance on my Chase mortgage account is still the correct amount so Chase is reporting an incorrect number to the credit agencies. This has negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company failed to do proper investigation on my credit report. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the XXXX XXXX XXXX XXXX As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of 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 explanation