vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX Ga XXXX Phone XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. Im deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX XXXX XXXX XXXX  Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXXXXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
am writing to formally express my concerns regarding Discover handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using discover numerous times and reporting discrepancies, my financial institution and discover 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 discover 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX XXXX XXXX XXXX  Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by sectioXXXX XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXXXXXX XXXX XXXX XXXX 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by sectioXXXX XXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 2025-01-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have asked to have names, numbers, addresses that does not belong to me to be removed. They have not done so. Ive also asked for proof of these debts, and have not gotten any proof at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NM

Complaint narrative:
I filed a dispute on Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, all of which are listed on my report. Despite my efforts the recent dispute did not resolve the errors. I have learned that CFPB has initiated a lawsuit against Experian for allegedly accepting unreliable information and failing to inform consumers about the results of their disputes, which clearly resonates with my situation. Experian has not made any effort to either correct or remove the inaccurate information from my report. I am urgently requesting the immediate removal or correct of these derogatory remarks, as they are significantly impacting my ability to secure a home, vehicle, and more. Experian 's actions are in violation of my consumer rights as well as federal regulations. I insist that all inaccuracies be rectified immediately.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I sent money via Zelle to a business, but the registered number went to someone other than the business. I contacted that person after Zell told me I was XXXX  and the person told me they would send the money back, but then ghosted me with my money. I'm terrified to send money with Zelle for the reason that they don't protect their users!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am a consultant for industrial clients located worldwide. One of my current clients is an XXXXbased company. The service contract specifies payment shall be paid in Euros. 

On XX/XX/2024 an original amount of XXXX Euros was sent from my clients bank for payment of my professional service. 

On XX/XX/2024 I was assessed by my bank ( PNC Bank ) a {$15.00} US fee for an incoming international wire transfer. This complaint does not concern this {$15.00} US Service Fee. 

The same day I noticed on my checking account ending in XXXX an amount received of {$25000.00} US The conversion rates observed for XX/XX/2024 were found on the web to be, XXXX ( X-Rates website ) and XXXX ( XXXX website ) For simplicity, lets take the conversion rate from Euros to US Dollars at XXXX. 
Then the conversion of XXXX Euros should give {$25000.00} US. 
XXXX were deposited in my checking account ending on XXXX. 

Hence giving a difference of converted amount of {$790.00} US dollars between the amount after the conversion made by PNC Bank and the amount calculated with conversion rate observed on the market. 

To my dismay, I could not find on my bank website the currency exchange rate between Euros and US Dollars for this operation. 
I called customer service, and the employee was also unable to find this information. 
After some time searching online in the PNC Bank website to no avail, I went to a PNC Bank branch located XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and filed a complaint. 

I have received multiple international transfers these last 10 years. I never paid more than {$200.00} in fees and commissions. I was also notified of the currency exchange rate used. 

I am aware that, 1- PNC Bank XXXX like any of its competitors, is a for profits enterprise, and by so want to take a commission from the conversion of a foreign currency. 
2- the conversion rate used by PNC Bank may not be the strict equivalent of the conversion rate observable on the market 3- a spread may exist between the conversion rate observed on the market and the actual rate used to convert the foreign currency into US Dollars.

But, this said, where does the spread stop? The exchange rate can then be anything, and in fact chosen in a total arbitrary manner, and so the amount paid to receive an international can literally go through the roof, if you will. 

This is not fair business practice. 
I do believe that as a customer, I should have full visibility into the conversion rates, fees, charges and commissions that affect my transactions, especially when they result in such substantial financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
Equifax and XXXX along with XXXX refused to investigate my identity theft claim. I sent in my police report and personal identification information and they did not investigate, my credit reports are totally incorrect and all items are wrong. My home was XXXX when I went into the XXXX XXXX XXXX I am now A XXXX survivor the credit reporting agencies refuse to remove these fraudulent accounts. Please help me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
I recently disputed my personal address on my credit report. I provided Equifax my driver 's license with my current address on it. The dispute process verified that another address on my credit report was my current address. Once again, I provided proof of my current address by submitting the front and back of my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Round Up Ventures, L.P.
State: ID

Complaint narrative:
I have a payday loan with lendly that got sent to collections, it was bought by a landmark strategies. I am being sued by them and a server XXXX XXXX @ XXXX that is trying to serve me court papers said he has come to my house to try to serve me which is not true, I have camera all over house and no one has come to my house that I dont know. This server said he went to my work which is not true. He also calls early in the morning and later at night, he is also calling XXXX XXXX XXXX XXXX XXXX which is illegal. I have asked him numerous times to stop calling me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

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 100 % 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 100 % accurate.

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 2025-01-25 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: GA

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 100 % 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 100 % accurate.

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 2025-01-25 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: OH

Complaint narrative:
I'm writing this to formally express my concerns regarding zelle 's handling of disputes, meaning the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies, my bank and zelle failed to investigate my claims properly. However, the informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that zelle has not only neglected to protect consumers ( myself ) nt has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises alot of concerns about the consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: SC

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NV

Complaint narrative:
MoneyLion closed my account Due suspicious activity I havent did nothing but play games they offer and download them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation