vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX  accurate.

Company response to consumer: Closed with non-monetary relief
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: FL

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 of times and reporting discrepancies, my financial institutions and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploite the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: AL

Complaint narrative:
Experian has failed to fulfill it 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 furnishes accepting unreliable Reponses, and failing to adequately notify consumer of dispute outcomes These failures align with my experience where Experian has neither corrected nor remove disputed item despite the evidence I provided causing ongoing harm to my credit standing.Im requesting Immediate Corrective action to remove or amend the disputed accounts as Experian 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: 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: CO

Complaint narrative:
Subject : Dispute of Incorrect Reporting of Charged-Off Accounts Dear CFPB, I am submitting this formal dispute regarding XXXX charged-off accounts being inaccurately reported on my credit reports by the credit reporting agencies ( XXXX, Experian, and XXXX ). These accounts are considered income and should not appear on my credit report under applicable legal and reporting standards. 
Details of the Dispute The accounts in question are as follows : XXXX. XXXX XXXX. " XXXX '' XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX BANK Account XXXX XXXX XXXX XXXX XXXX These charged-off accounts are being reported inaccurately for the following reasons : XXXX. XXXX XXXX as XXXX : Under current legal frameworks, once a creditor has charged off a debt, the amount is considered income for tax purposes, and the creditor typically issues a Form XXXX for the canceled debt. Reporting such charged-off accounts as unpaid debt on credit reports is misleading and causes undue harm to my creditworthiness. 
XXXX. Failure to XXXX Adequate Investigations : I have previously disputed these accounts with the credit reporting agencies, but they failed to conduct a meaningful investigation into my dispute. This failure aligns with recent allegations made by the CFPB against Experian in the article titled, " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ( Source ). The reporting agencies practices have denied me the ability to ensure my credit report is accurate and fair. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are obligated to ensure the maximum possible accuracy of the information they report. The continued reporting of these charged-off accounts as active debt is both inaccurate and a violation of my rights under the FCRA.

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
XX/XX/XXXX of 2024 I went XXXX XXXX for the possibility of implants. The lending partner, XXXX XXXX, is in same XXXX XXXX XXXX dental. XXXX in the same it appears. Proceed XXXX XXXX, XXXX XXXX XXXX, presented a treatment plan for $ XXXX. I asked for an itemized invoice XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Was denied an invoice. At the time, I was covered by XXXX XXXX. I spoke with XXXX at XXXX XXXX. Same XXXX XXXX XXXX to send an XXXX of Benifits to XXXX XXXX and was told she was waiting on a reply from insurance. Did a XXXX call with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX told them to send the EOB. Which to this day has never been done. XXXX XXXX harasses me everyday for $ XXXX with a call or email this entire time as of today. 
$ XXXX was taken out in my name thru Proceed Finance with XXXX XXXX Bank on XX/XX/XXXX & another $ XXXX was taken out in my name thru XXXX XXXX with Customers bank on XX/XX/XXXX for an additional $ XXXX. I did not receive these funds nor did I see an invoice nor have XXXX work for $ XXXX or $ XXXX. 
This is hitting my credit. This is an egregious financial error and abuse of power by XXXX XXXX out of the XXXX, Texas exactly where XXXX XXXX is located. 
They refuse to do any work on me because of my continuous questioning of needing an invoice to bill off of & not bill from a treatment plan. The loan amount has changed XXXX to date. The latest is {$35000.00}. 

Please help with this grave injustice. I am XXXX XXXX XXXX and this beyond my ability. 

Thank you so much, XXXX XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I am filing this to report XXXX fraudulent accounts appearing on my Equifax credit report. These fraudulent accounts consist of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and another personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report, including but not limited to the following inquiries : XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX, and XX/XX/XXXX : XXXX. I demand that the fraudulent items be removed from each of my consumer credit report. I request the removal of the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX. I also ask that the names XXXX XXXX XXXX and XXXX A XXXX be deleted from all records associated with this fraudulent activity. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
I am filing this complaint regarding XXXX inadequate handling of disputes, particularly in light of the CFPBs recent lawsuit, which has highlighted systemic issues with the platform. I experienced discrepancies with who I sent money too. When I attempted to resolve this issue through Zelle and my financial institution through the resolution process, I encountered significant obstacles : they failed to investigate my claims adequately. They informed me that recovering lost funds was not possible and that tracking the transactions was unfeasible. 

The CFPBs findings indicate that XXXX process for dispute resolution does not seem to comply with fair and transparent practices. Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. As a consumer, I am deeply concerned about their accountability and adherence to regulatory requirements.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to express my frustration with the high interest rate on my account and the lack of support I received when I called multiple times to request a reduction. Despite being a loyal customer and managing my account responsibly, I was told each time that no assistance could be provided. 

Given that Capital One is currently facing lawsuits over unfair practices, I am requesting reimbursement for the interest I paid over the last year, as I believe the rates I was charged were excessive and unfair. 

Please review my account and address this matter promptly. I look forward to your response.

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: 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 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 concerns about consumer safety.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander has reported a charge-off on my account, but I am disputing its accuracy. If a 1099-C was issued for this debt, it constitutes cancellation under IRS regulations ( 26 CFR 1.6050P-1 ), and the debt can not be both canceled and collected or reported as owed. I request validation of the debt, including a full accounting and proof of their right to report or collect. If the debt was canceled, the credit report must be updated to reflect a {$0.00} balance, and the charge-off must be removed.

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 ( 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: 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 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 concerns about consumer safety.

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Filed Disputed Didn't change sent letter which can not download Please Remove All Disputed Accounts .... ASAP

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 2025-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Filed Disputed Didn't change sent letter which can not download Please Remove All Disputed Accounts .... ASAP

Company response to consumer: Closed with non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Improper use of my information due to a data breach and fraudulent accounts were opened without my permission or knowledge

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing complaint because Under 15 USC 1681c-2 ( a ), any information resulting from fraudulent or unauthorized activity, including accounts affected by a data breach, must be blocked and removed from my credit report if requested. I sent Equifax a copy of the FTC report stating that this XXXX XXXX account is fraudulent and is not mine asking them to remove it. But instead of removing the fraudulent XXXX XXXX account they removed a personal loan from XXXXXXXX XXXX that wasnt disputed. They are blatantly manipulating my credit report in a negative manner. Enclosed is a copy of the FTC report as well as a letter from XXXXXXXX XXXX Thank you.

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: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Back in 2023 I was trying to buy to buy a car and I XXXX the wrong person I call the bank to refund me and they never did

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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation