vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against PNC Bank regarding the lack of transparency in disclosing exchange rates for an international money transfer I conducted. Despite my attempts to resolve this matter directly with PNC, I have not received a satisfactory response, prompting me to escalate this issue for further investigation. 

On XX/XX/year>, I initiated an international wire transfer with PNC Bank via their telephone wire transfer service, initially requesting to send the funds in USD. During the call, I was informed that I had the option to send the funds in the recipients local currency, which I opted to do. However, after the transaction was finalized and a confirmation number was issued, I was only then informed of the exchange rate applied. PNCs rate of 3.54 AED to 1 USD was significantly lower than the prevailing market rate of 3.67 AED to 1 USD at the time. This discrepancy resulted in an additional markup of $ XXXX amount I could have avoided had the exchange rate been disclosed prior to completing the transaction. 

PNCs failure to provide this information in advance prevented me from making an informed decision. I believe this practice violates consumer protection regulations, specifically those set forth by the Consumer Financial Protection Bureau ( CFPB ), which require financial institutions to disclose key transaction details, including exchange rates, before finalizing an international money transfer. 

PNC has refused to refund the undisclosed markup, asserting that it was not a separately charged fee. However, this does not negate the fact that the rate applied was significantly unfavorable and was not transparently communicated unfavorable and was not transparently communicated before the transaction was processed. As a result, I am requesting the CFPBs intervention to ensure that PNC is held accountable for its lack of disclosure and to seek a refund of the unjustified markup imposed on my transaction. 

I would appreciate a thorough review of this matter and guidance on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LJ Ross Associates
State: NY

Complaint narrative:
I am writing to report an issue regarding an account listed on my credit report under the name LJ Ross. Upon investigation by the CFPB, the company has responded and confirmed that they have no recollection of the account in question and can not verify its legitimacy. Despite this, the account continues to appear on my credit report under LJ Ross. 

Given that the company has stated they can not verify the account and have no record of it, I am requesting that this account be removed immediately from my credit report. This account is incorrect, unverified, and damaging to my credit history and score. 

I request that XXXX, XXXX, and any other involved credit reporting agencies take prompt action to remove this entry from my credit report in compliance with the Fair Credit Reporting Act and relevant consumer protection laws. 

LJ Ross account shows as XXXX I appreciate your immediate attention to this matter and look forward to its swift resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>, I made a payment on my Citi master card an authorized payment the next day Citi made an unauthorized payment of XXXX from my bank account and that amount made my account plummet, I did call and inquire and couldn't get any information and was told I owed what was unauthorized payment they just said my credit card was cancel from there mistake.

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 2025-01-29 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: MI

Complaint narrative:
You have violated my federally protected consumer rights. Here is the list of violations : : Under 15 USC 681 ( A 0 in no moving the inuies top it wilty accoas fraudulent, due to identity theft. The result of that caused me to be denied for personal credit. Since you did not follow through with my instructions, you have undermined my confidence in you as a reporting agency which is essential to the continued functioning of the banking system. You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, YOU DID NOT REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED 15 USC 1681C ( D ) ( 2 ) INACCURATE KEY FACTOR INFORMATION The unverified items listed below remain on my credit report in violation of Federal Law ... You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? With that being said, I HAVE FULL FAITH THAT YOU violated 15 USC 1681c-2 ( B ), you DID NOT notify the furnisher of the information because you DID NOT provide me with documents proving that and since you are required to do that under FCRA & Federal Consumer Laws, I need you to ... promptly DELETE all information in 4 days of receiving this third attempt. The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Under FCRA Section 617 & UNDER 15 USC 16810 ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. I have a list of demands that need to be met in a timely manner I demand the following accounts be deleted immediately demand the following accounts be deleted immediately WITHIN 4 DAYS. Please remove all non-account holding inquiries over 30 days old. Please add a Promotional Suppression to my credit file. Look at my invoice for my monetary remedy for my emotional damage, anxieties and stress

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-29 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Auto Finance Attention : Customer Service XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : Dispute of Late Payment Reporting - Account Number : XXXX To Whom It May Concern : I am writing to dispute a late payment notation on my credit report regarding my Chase Auto loan account. I believe this reporting is inaccurate and request that it be investigated and corrected for the following reasons : 1. The original auto loan was paid in full in XX/XX/XXXX. 
2. In XX/XX/XXXX, Chase contacted me regarding a tire issue on the returned vehicle. This was nearly six months after the vehicle had been in the possession of XXXX XXXX ( since XX/XX/XXXX ). 
3. Upon receiving this notification, I immediately took multiple steps to resolve this matter : - Contacted the dealership and spoke with XXXX XXXX, requesting that he send the required documentation directly to Chase. 
- Sent correspondence through Chase 's secure messaging portal regarding the tire issue - As a show of good faith, I have paid the disputed tire charge of {$1000.00} while awaiting resolution of this matter. 
4. The charge was unexpected and disputed, as the tire was in good condition when I returned the vehicle to the dealership. The vehicle had been in the dealership 's possession for several months before this issue was raised. 
5. At no point was I informed that this post-loan charge would be reported as a late payment on my credit report. The original loan account was closed and no longer visible in my Chase portal, giving me no indication that any additional charges could affect my credit standing. 
6. I have acted responsibly throughout this process by : - Responding promptly to Chase 's notification - Attempting multiple methods of communication - Paying the disputed amount to prevent any further credit issues- Seeking proper documentation from the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MS

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 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 2025-01-29 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 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: CA

Complaint narrative:
Please take this complaint seriously, as it was submitted with careful attention. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This ongoing issue is deeply concerning and has been causing me significant stress and anxiety.

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 2025-01-29 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX, PA XXXX [ Date ] Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agency, I am writing to formally dispute the following inaccuracies on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). My full name is XXXX XXXX, and my date of birth is XX/XX/. My address is XXXX XXXX XXXX, XXXX, PA XXXX. The following accounts are being reported incorrectly, and I request that they be investigated and removed from my credit profile within 30 days : XXXX XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXX XXXX ( Account XXXX : XXXX ) - Collection/Chargeoff XXXX ( Account Number : XXXX ) - Collection/Chargeoff XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX I believe these accounts are inaccurate and do not belong to me. I have attached any supporting documentation that may assist in your investigation. Under the FCRA, I am entitled to a complete investigation of my dispute, and I request a written response detailing the outcome of your investigation. Please ensure that these inaccuracies are promptly corrected or removed from my credit report. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
In Nov/Dec of XXXXXXXX XXXX XXXX XXXX sold my fraudulent FHA mortgage XXXX XXXX. ( seller hid major defects/appraisal fraud ) Despite paying for XXXX XXXX taxes during closing ( XX/XX/XXXX ), XXXX paid them again later in XXXX, which caused a shortage in my Escrow account. This amount of {$1300.00} still has not been returned to my account despite reaching out for guidance more than once almost 1 year ago. This shortage, along with the reasons listed above, caused me to experience financial hardship and I was in fear of not being able to make my payments. In XXXX before missing any payments I reached out to get assistance. I did not receive any options until after I missed XXXX & XXXX payments. This has caused additional financial harm as well as harm to my credit. More recently, in XXXX of XXXX, XXXX failed to pay my Homeowners Insurance renewal, despite me paying funds into my escrow for this very reason. Instead, there is now forced-placed insurance on the home. When I reached out to my insurance company, I was informed that my home is not eligible for insurance due to the unsafe conditions of the home. This is directly related to the fraudulent actions mentioned above. There are structural, mold, and rodent issues in the home which I have exhausted every resource imaginable to try to address. At the very least, I request my Escrow account be reviewed, payments applied correctly, and some action is taken to get the proper insurance back on my home to ensure my personal belongings and family are properly insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IL

Complaint narrative:
They were suppose to investigate because the transaction was after hours and was suppose to contact me within45 days it's been well over 45 days still haven't heard anything or received a refund and these has been a on going issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My closed paid in full student loans ( closed two years ago through PSLF ) keep reappearing on my credit bureau as open accounts. They appeared on my Equifax again this week. I have spent hundreds of hours on the phone with XXXX and made half a dozen requests to correct my account with credit dispute requests which are denied as correct by XXXX for some reason, even though accompanied with screenshots of my paid in full accounts and pslf forgiveness letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation