vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: LA

Complaint narrative:
Nelnet loan company was taking {$50.00} a month out of my account for XXXX years. I got a letter in the mail last year that they sold my loan to XXXX XXXX XXXX  but Nelnet continue to take the {$50.00} out of my account. Even though they no longer owned my loan. I had to call my bank to block them from taking funds out of my account since they no longer owned my loan. My bank did an investigation and returned all the money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-16 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: CA

Complaint narrative:
I want to express my concerns with past experiences Ive had with Zelle. I have been robbed of {$150.00} that I had asked for a refund of and Zelle couldnt help me at all. I had the persons information and phone number and they didnt do anything about it. Despite using Zelle numerous times and reporting this issue nothing was done. Zelle has not protected its users and I am someone who has been affected. Zelle leaves people open to scams and it is not right. The lack of accountability raise serious concerns about my safety as a Zelle consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My mother is in assisted living at XXXXXXXX XXXX XXXXXXXX ( XXXX, PA ) and I am her POA. I write checks to cover her costs at XXXX, and have done so for several years now. The checks are sent by US Mail and I mail from a secure drop point ( my apartment has an enclosed mail room ). The check was stolen before it was received by XXXX and cashed to a Fidelity / XXXX XXXX account using a XXXX scan. The payee name was changed from " XXXX XXXX XXXXXXXX '' to " XXXX XXXX ''. The amount, date, my signature, and memo line showing my mother 's account number with XXXX were unaltered. The check was for {$9600.00}. The name on the " Pay to Order of '' line was in the same handwriting as the " signature '' on the back of the check along with the instructions " For Deposit only to Fidelity '' The fraud was not discovered until after two months of seeing that XXXX  was still invoicing me for that month ( the invoices do not always reflect the last payment ). I went on line to obtain a copy of the check to provide proof of payment. It was then I discovered the check fraud. Within 12 hours of discovery, I went by person to PNC and closed the account. Following that, I made a police report with the XXXX, XXXX  police department, contacted the XXXX and FTC. I have also contacted the XXXX XXXX and XXXX XXXX XXXX XXXXXXXX, who directed me to CFPB. 

I requested PNC to cover the loss, as I understand that banks do this in instances of fraud. The fraud was not detected and the check was cashed to my mother 's loss. I was told that by the time I acted, too much time had passed from the time the check was fraudulently cashed. In all matters I have tried to follow the recommendations of how to deal with this incident and I have acted in good faith. I am here appealing the denial of my request to cover the losses I and my mother endured. The cause of the injury is a failure to detect fraud, not a short window to discover it. 

Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have unauthorized hard inquiries that have appeared on my Experian credit report. Upon review, I identified the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX  Industry : Auto Financing Companies Date of Inquiry : XXXX XXXX XXXX XXXX Industry : Tenant Screeners ( Reseller ) Date of Inquiry : XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX Industry : Bank - Installment Loans Date of Inquiry : XX/XX/2024 I did not initiate any transactions or credit applications that would have warranted these inquiries.

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 2025-01-16 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: TX

Complaint narrative:
Iam filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act as a credit reporting agency to conduct a reasonable reinvestigation of disputed information on my consumer report, leaving inaccurate and unverifiable accounts on my report. The CFPB has recently filed a lawsuit against Experian, for systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These exact failures align with my experience, where Experian has not removed disputed items despite the evidence I provided, causing ongoing harm to my financial reputation. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my consumer protected rights.

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 2025-01-16 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: MO

Complaint narrative:
Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX, as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I do not have the current dates of when i filed a complaint but i did file a few complaints to experian in regards of having collection agencies on my credit reports, I explained several times that i have never signed any agreement with any agency for the purpose of an alleged debt, experian kept responding the same all the time which was this information is correct, I asked experian to have any and all collection agencies removed from my credit report and they failed to do so.

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 2025-01-16 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: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
bankruptcy discharge still appears on my file. also accounts that were paid off were not removed.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-17 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: CA

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 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Navy Federal account is currently in negative from me having the funds and they were taking off card and then put back on there and i used the funds thinking the money was available for use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # 1 : XXXX XXXX - Incorrect Name # 2 : XXXX XXXX - Incorrect Name # 3 : XXXX XXXX XXXX - Incorrect Name # 4 : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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 2025-01-16 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with this 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 what is impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system 's leaving users vulnerable to scams. This lack of accountability and transparency is an unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Experian and Credit Karma did not properly investigate any of the disputes I submitted.

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 2025-01-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
Tried to close account and was told to give them my drivers license number to pull account up when I asked why, I was informed that the only way to even open an account was with drivers license number. So I gave it to them and there was no file of me so there was nothing they could do for me. This was towards the end of XXXX or XXXX around the time the card was open. I was notified by XXXX XXXX about a new card and tried to resolve as soon as possible. I sent a dispute in around the same time as well that was granted and they took everything off my credit report. Just about a week later the card was maxed back out with a higher credit limit. Sent in another dispute last week that was denied. So I contacted XXXX XXXX directly and they told me the next step is to submit this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IN

Complaint narrative:
In XX/XX/year>, I requested Equifax to investigate the following accounts reporting on my personal credit : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX XXXX XXXX XXXX open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; CREDIT CARD XXXX  XXXX XXXX XXXX XXXX XXXX open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ). Equifax 's initial response was that they completed their verification of the accounts listed above, but nothing was modified, nothing was updated, and Equifax never provided me with a description of their investigation, and still has yet to do so to this day. The Fair Credit Reporting Act ( FCRA ) demands that credit reporting agencies ( CRAs ) use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. Equifax failed to adhere to this law in XXXX important ways : First, Equifax 's faulty intake procedures failed to accurately convey all relevant information regarding the dispute to the original furnisher of the disputed information ; additionally, Equifax failed to provide the furnishers with documentation submitted that supported the disputes ; Second, Equifax uncritically accepted the original furnishers response to the disputed information, even when that response was either improbable or illogical on its face or when Equifax had other information in its possession that alerted or should have alerted Equifax to the possibility that the furnisher might be unreliable ; Third, at the conclusion of its reinvestigation, Equifax sent notices that failed to inform me of the reinvestigation results, and instead provided information that was confusing, ambiguous, incorrect, and internally inconsistent ; Fourth, Equifax deliberately provided false and misleading information to the CFPB that it investigated my disputes, when in fact they never did. Equifax 's actions were an attempt to illegally evade responsibility for their lack of capacity to properly conduct an investigation into the disputed accounts. Equifax 's failures to properly investigate and provide me with the specifics of their investigation results are an abdication of its obligations under the FCRA and in direct violation of federal law ; 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief