vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: TN

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 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
My vehicle was purchased in XXXX XXXXXXXX, a XXXX Kia XXXX XXXX, XXXX XXXX. The purchase was financed through XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX NY XXXX ). I have provided purchase/loan documentation outlining that agreement. 

When purchased, Kia Motor Finance/Hyundai Capital Services ( HCS ) was added to my NYS Title document erroneously. Kia has no financial interest in the vehicle - it was purchased from a Kia dealer - XXXX Kia, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. However, the financing was completed solely through XXXX. 

I paid my loan through XXXX on time and without issue, and as a result XXXX released their lien from the vehicle appropriately. According to NYS DMV, they are no longer shown as a lienholder on the vehicle which is correct. However, HCS shows as a lienholder despite having no involvement with the purchase of the vehicle. 

On XX/XX/XXXX I was in an accident that will total the vehicle, according to my insurance. However, because Kia/HCS is still listed as a lienholder, my insurance company can not take action on providing my compensation for the accident. Through the series of discussions below I was instructed to email XXXX and provide all documentation as well as a written explanation of the issue, which I did on XX/XX/XXXX. 

I have contacted Kia Customer Service XXXX times between XX/XX/XXXX and XX/XX/XXXX, and have been continually told that Kia/HCS can not provide a lien release or a document stating they have no financial interest in the vehicle because I am not a customer of theirs and they can not locate my VIN # in their vehicle database. This is precisely the issue- they will not locate the vehicle in the database because they have never had any financial interest in the vehicle and I am not Kia/HCS 's customer. Each time I have been on the phone with Kia/HCS for XXXX XXXX and XXXX minutes, and the resolution is that I have no choice but to wait for a response from XXXX. 

I have received no response in any way from my emails, have been told by customer service and Kia/HCS title that there isn't anything they can do and do not know the status of the request. Meanwhile, I am out a vehicle and am not able to be assisted by my insurance company until I can provide documentation stating Kia does not hold a lien on the vehicle. I see online that some people have waited upwards of XXXX weeks for a response, which is unacceptable.

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 2025-02-24 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: TX

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 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am 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 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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-24 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-24 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:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2025-02-24 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:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2025-02-24 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

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 impossibleind that XXXX XXXX thes to 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 2025-02-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Reported Balance CHARGE_OFF XXXX $ XXXX XXXX  Account information Collection XXXX. 
XXXX XXXX XX/XX/year> Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX. 
XX/XX/year> INDIVIDUAL_ACCOUNT XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A. section 2. states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions and crime which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person hall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX : I deposited a life insurance check to cover my mother 's funeral cost. I noticed that the deposit was not listed on my account so I called NFCU Customer Service and asked why the funds weren't showing as deposited? The Customer Service rep stated " the deposit is reflected internally, and that a portion of the funds would be made available on Friday XX/XX/XXXX and the remained would be released on XX/XX/XXXX. I asked if I had gone into the branch verses the ATM deposit would that have made a difference in the availability and was to told it would not. 
On XX/XX/XXXX when no funds had been release I called to see why my insurance check for my mother 's funeral was not release and they said " Security put a hold on the check and they won't be in until Monday. '' Today Monday XX/XX/XXXX in an online chat I was given several reasons on why a check would be placed on hold however NONE OF THE REASON PERTAIN TO MY DEPOSIT. My deposit is less then the amount that would cause a hold, my account has never has a returned check, and the check that was deposited was an insurance check from a major corporation not a personal check from an individual 's account and there was nothing about my deposit that fits the NFCU 's reasons for placing a hold on a check. Also, the {$220.00} is not showing as deposited to into the positive balance of my account which leads me to feel like the NFCU is attempting fraud against me as a customer. I also requested a transcript of the chat conversation and the request was denied and during the chat I was abruptly kicked out of the online account. Once I logged back into the account I was advised that the check will possibly be released on XX/XX/XXXX but could still be held if NFCU deemed it necessary. This is unfair treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the unexpected closure of my Wells Fargo XXXX XXXX credit card due to a returned payment. I attempted to resolve this issue directly with Wells Fargo but have not received a satisfactory resolution. Therefore, I am escalating my complaint to the Consumer Financial Protection Bureau ( CFPB ) for further review. 

Details of the Issue : Credit Card Account Number ( Last 4 Digits ) : XXXX Date of Closure Notification : XX/XX/year> Reason Given by Wells Fargo : Returned Payment Description of the Problem : On XX/XX/year>, I was informed that my Wells Fargo Active Cash credit card account was closed due to a returned payment. While I acknowledge that the payment was returned, it was not due to fraud or intentional nonpayment but rather an oversight or banking issue. I took immediate steps to correct the matter by contacting customer service. 

Despite this, Wells Fargo closed my account without warning and refused to reinstate it, even though I have otherwise maintained good standing with the bank. This abrupt closure has negatively impacted my credit score, available credit utilization, and overall financial stability. 

Attempts to Resolve the Issue : I have made multiple attempts to resolve this matter, including : Contacting Wells Fargo Customer Service on XX/XX/year> I spoke with an representatives, who informed me that account closures due to returned payments are final and irreversible. 
Requesting reconsideration on XX/XX/year> I explained my situation and history of responsible account management, but my request was denied. 
Making a successful payment on XX/XX/year> Despite rectifying the payment issue, my account remained closed.

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 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: LA

Complaint narrative:
Conduct a thorough reinvestigation of the following disputed accounts or items from collections agencies Hunter Warfield for {$940.00}. I reached out to company requesting detailed accounting of the owed amount finding out very little but the original creditors are XXXXXXXX XXXX which I never lived. I filled a dispute with all three credit bureaus and the account was returned as accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received email notification from XXXX XXXX about hard inquires. I did not apply for any credit on XX/XX/XXXX nor XX/XX/XXXX. I verified that my credit had a freeze on it. I noticed my credit score was affected by the hard inquires. XXXX said they did not see any hard inquires, I was unable to speak to an agent at XXXX, and XXXX informed me my next steps. I was informed to first make a cover letter requesting the hard inquires are removed from my account. Secondly, to send a copy of my photo ID. Last, and most importantly to submit this identity theft report via the federal trade commission. Im going to mail all these documents to XXXX XXXX XXXX XXXXXXXX, PA XXXX. 
I was also informed the phone number associated with the hard inquires is ( XXXX ) XXXX. That is not my cell phone number and I have no idea who the number belongs to. My cell number is ( XXXX ) XXXX. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, XXXX MD XXXX and my email address is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MS

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 2025-02-24 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: MS

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 2025-02-24 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: IL

Complaint narrative:
I am reaching out to formally dispute the inaccurate inclusion of a bankruptcy on my credit report. I have obtained an official letter from the court that clearly states this bankruptcy should not be reported to your agency. Despite this, it still appears on my credit file, which is both misleading and unjust. The presence of this erroneous record is causing unnecessary harm to my credit standing and must be corrected immediately. 

Moreover, I have reason to believe that an unauthorized third party is involved in this matter, further complicating the situation. The involvement of an unknown entity raises serious concerns about the accuracy and security of my personal financial information. It is unacceptable that such an error has been allowed to persist, and I urge you to take immediate action to rectify it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief