vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$15000.00} - Account # : XXXX XX/XX/XXXX - Balance : {$14000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX XX/XX/XXXX- Balance : {$5300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report :XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX, XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX The FCRA mandates that consumer reporting agencies take reasonable steps to ensure the accuracy and privacy of personal information ( 15 U.S.C. 1681e ). If this information is found to be incorrect or unverifiable, I request that it be deleted from my credit report. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am 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 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 2025-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
XXXX XXXX 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 2025-01-19 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: VA

Complaint narrative:
Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXX/XX/XXXX XXXX XXXX. They stated that my personal information was accessed and downloaded from the banks database and a Fileshare during periods in XXXX XXXX XXXX 2024. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXX/XX/XXXX and also a FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
( XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
Every month i get charged money from my cash app card and i be needing to buy things and i dont get to because they take money from the card with asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent lawsuit highlighting major discrepancies with the platform. Despite using XXXX on numerous occasions and report numerous discrepancies my financial institution and XXXX failed to investigate my claims adequately. They informed me that covering lost funds was impossible and tracking these funds was out of their scope of reach. The CFPBs findings have reported that XXXX has neglected to protect its users and opened the doors for repeat offenders to continue to exploit the systems. Leaving users like myself to feel vulnerable not only feel vulnerable but are very much vulnerable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app took approximately {$85.00} from me. It was under my account in my name and when I went to use this money, it wasnt there after 24 hours. It was telling me that Cash app had took it for a fraud reason and then they took my account, but everything in my account was up-to-date so I had contacted them to ask them why my account was disabled and why my money that I had added from my bank account was stuck, and I was never given a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I do not a have any contract or anything to do with this collection XX/XX/XXXX XX/XX/XXXX on my Equlfax credit report. 
They have not provide me with any info. just reporting knwon medical debet on my credit report. nothing accurate on this collection and iligally harming my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was called through a national grid scam on XXXX XXXX 2021. Because they had my account information and number and balance I believed they were calling from the company. Due the new system of XXXX through Bank of America they didnt say businesses didnt do bill pay though XXXX I was given an acronym for the name that was on the XX/XX/XXXX recipient. I explained all of this to them and they told me there was nothing they could do cause it was sent from my account. They took over a month to let me know if they could assist and Im not sure what steps they took. I even gave the number I had from the scammer. 

The amount was for XXXX XX/XX/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 2025-01-19 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: SC

Complaint narrative:
In XX/XX/year>, my personal information was exposed in a Data Breach an as a result their are several accounts in my credit reports that I do not recognize and do not belong to me! Please help me to get these accounts removed from my credit reports.

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 2025-01-19 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: SC

Complaint narrative:
In XX/XX/year>, my personal information was exposed in a XXXX XXXX an as a result their are several accounts in my credit reports that I do not recognize and do not belong to me! Please help me to get these accounts removed from my credit reports.

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 2025-01-19 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: NC

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 the lagger posting of charges and credits. This issue aligns with the recent CFFB 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
I recently discovered that I am a victim of identity theft. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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:
I am filing a compliant against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the accounts accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15. U.S.C, 168i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFRB 's recent administrative proceeding ( File No. 2025 XXXX ) against them for similar violations. I request the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX  XXXX approved me for $ XXXX in auto financing in XX/XX/XXXX. Ive over paid $ XXXX and have a remainder of $ XXXX. $ XXXX has been interest. Did not show on my credit report until XX/XX/XXXX & does not reflect my full payment history. It shows only principal payments. Additionally, Ive been denied housing over not having sufficient payment history on my credit report so it would have helped and is unfair it hasnt been factored in my score this entire time and that they are only having to report the balance.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 2025-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX {$590.00} Account # : XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I am writing to dispute several inaccuracies and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts : Listed above These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough investigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within XXXX  days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My car payments were XXXX on the XXXX of each month plus you get XXXX days grace. On or around XX/XX/XXXX, I made a payment for XXXX. I made another payment for XXXX on XX/XX/XXXX and another payment in XXXX for XXXX to close the account. Right after I made the XXXX payment she marked the account late. I even paid late fees throughout 2018 but the account never went over XXXX  days and messed up my XXXX XXXX drastically. I would like for someone to go over my payment history with TD Auto Fin to show exactly where I was XXXX  days late. I have all my bank statements to prove payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MD

Complaint narrative:
On XXXX XX/XX/year>, I called Capital One via their toll-free number ( XXXX ) at XXXX eastern time. The reason for my call was that I noticed my interest rate on that date wasXX/XX/XXXX My credit rating at the time was over XXXX and I had no payment due to Capital One. I first went online to submit a request for the reduction of my interest rate. Not being able to find and way to submit my request online, I then called ( date, time and number stated in first sentence of paragraph ). I spoke to the customer representative, and she informed me that Capital One does not allow individuals to request lowering their interest rate. I then asked to speak to a supervisor. I spoke to the supervisor, and he stated that there was no formal mechanism to make such a request and that it was the policy of the agency ( Capital One ) not to take any such request from anyone. He stated this was agency policy and that my rate was set in conjunction with the prime rate. I told him that this policy seemed unfair because Capital One reserved the right to raise my interest rate anytime with no notice but refuses to even provide me a mechanism to submit a request to lower the rate. Though it would be Capital One 's right to refuse any request ; not allowing a mechanism for a request, appears, in my opinion, to be predatory.

Company response to consumer: Closed with explanation