vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo allowed third party transaction to post while my card was locked. Ive had several conversations with technical support and Wells Fargo reps about the issue with no resolve.

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 2025-02-09 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: NY

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-02-09 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: GA

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
There was found it to be a unauthorized or fraudulent transaction in or around the middle of XXXX. That was not caught until today based on me not using this card ever. I don't check anything and don't get paper mailing bills. Therefore I was unaware of this. I tried to reach out promptly after seeing some email that was not noticed and I was told that their department was unavailable to take fraud or lost cards on Sunday. For that reason, I spoke with a XXXX and provided my social security number and date of birth seven different times at approximately XXXX Pacific standard time on XX/XX/year>. He was unable to do whatever he needed to do on his end. After over XXXX minutes of conversation, I repeatedly asked to speak with his supervisor which he refused to transfer me and therefore I need somebody to address the fact that this unauthorized transaction has now affected me negatively. It was fraud. I lost the card. I need a new card and no one has been here to help me in any way shape or form. It's an absolute shame

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Company stated the information they obtained was verified and accurate. Asked company for original documentation with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have repeatedly attempted to establish, either online or by phone, the statement closing date for a Visa card that's issued by Bank of America, branded XXXX  XXXX. 

- This information does not appear on the website, perhaps because it's a relatively new card - When I call BofA, I get a useless AI assistant that can't understand the question I am posing. 

I am worried I will be assessed a late fee because I pay too late. 

Please advise. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
I was unaware of this account until it showed up on my credit report in 2023. I immediatley called XXXX and this is the information that was given to me. An account was opened in my name, XXXX XXXX, with my social security number. The account ( # XXXX ) was then billed to an address in Texas, XXXX XXXX XXXX, XXXX, TX XXXX. I believe there were XXXX phones that were purchased and the phone numbers were XXXX, XXXX. I have never had a XXXX account and I have never lived in Texas. This person used my social security number to open the account and this has been on my credit card report for 2 years. I have filed a fraudulent report with XXXX. I spoke with the pollice department in XXXX TX and was told that i had to file the report in the city where I reside. So I filed a police report in XXXX, VA via the telephone as that is how it is done here. I have spoken with the collection agency Source Receivables Management and I filed disputes with XXXX and XXXX. After the disputes it shows back up on my credit reports. XXXX is the most unresponsive company for fraudulent activity and this should have been resolved by now. I have excellent credit and do not know what else to do to prove that this is not my account or my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CO

Complaint narrative:
Please check the information concerning the Equifax Data Breach below in attachments.

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 2025-02-09 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: CO

Complaint narrative:
Please check the information concerning the Equifax Data Breach below in attachments.

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 2025-02-09 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: PA

Complaint narrative:
I'm a victim of a sham investigation from Equifax credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error. Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried to use this prepaid giftcard from Amex. It will not allow me to purchase everything and I have contacted them but they have given me no solution. Its unused and is supposed to have XXXX dollars loaded onto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
I received a copy of my credit report and I noticed there were fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
I received a copy of my credit report and I noticed there were fraudulent accounts on my report. Please remove the accounts from my report, they are hurting 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 explanation
Consumer complaint received 2025-02-09 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:
Social security # XXXX have been shared with XXXX XXXX and members of his team who are not legal employees of the government. My security has been breached. My entire credit report is no longer safe and therefore null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Social security # XXXX have been shared with XXXX XXXX and members of his team who are not legal employees of the government. My security has been breached. My entire credit report is no longer safe and therefore null and void.

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 2025-02-09 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: SC

Complaint narrative:
My credit report has not been updated in a year. I was notified my personal information was leaked and shared without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collection on the consumer report recently. 
I have made previous attempt to fix these issues directly with them. They are violating my rights, and I'm entitled to XXXX for every violation listed ; they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union ( NFCU ) regarding inaccurate and misleading credit reporting. My account was originally reported as negative in one month, but after I disputed the error with XXXX, Navy Federal altered the reporting date to a different monthwhile still maintaining the negative status. 

I believe this adjustment was done intentionally to avoid removing the negative history from my credit report. Changing the reported month does not resolve the inaccuracy ; instead, it suggests an attempt to manipulate the reporting timeline to my disadvantage. 

I have attempted to resolve this issue directly with Navy Federal, but they have not corrected the reporting to reflect accurate and fair information. This practice has harmed my credit standing and financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing 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 2025-02-09 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: OR

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

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 2025-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request a thorough review and removal of the credit account with the partial number XXXX, which appears on my credit report and was fraudulently opened due to an identity theft case. Despite my previous attempts to resolve this issue with your company, I have yet to receive a satisfactory resolution. 

Below are the relevant details : This account was opened without my authorization on XX/XX/year>. 
It was used to make fraudulent transactions. 
I previously attempted to initiate an investigation with Capital One but did not receive a favorable resolution. 
Despite this being a case of identity theft and the fact that I did not authorize this account, I made the necessary payments, and the account has now been fully paid off. This demonstrates my good faith and commitment to financial responsibility. 
I formally request that you conduct a new investigation into this account and provide me with the verification methods used to determine its validity. Additionally, given my good faith in having settled the account despite the circumstances, I request that, as a goodwill policy, you remove this account from my credit history. 

I would also like to cite the following consumer protection laws that safeguard my right to dispute this account and request its removal : The Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate or fraudulent information on my credit report. 
The Truth in Lending Act ( TILA ), which protects consumers from fraud and unfair credit practices. 
The Fair Debt Collection Practices Act ( FDCPA ), if any improper collection attempts have been made. 
I hope you will consider this request with the seriousness it deserves, and I appreciate your cooperation in resolving this matter. I have attached a copy of my identification, credit report, and any relevant documentation to support my claim. 

I appreciate your prompt response and remain available for any additional information you may need to complete this review. You may contact me through the details provided above

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Social security # XXXX have been shared with XXXX XXXX and members of his team who are not legal employees of the government. My security has been breached. My entire credit report is no longer safe and therefore null and void.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: OK

Complaint narrative:
Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the Northern District of Oklahoma Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: IN

Complaint narrative:
My personal and financial information was compromised, violating FERPA. I request a full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name 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  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Daughter XXXX created XXXX that I paid for on my Barclays XXXX XXXX offers 60 day 100 % money back Guarantee if CANCELLED IN TIME. 

Called and spoke with XXXX who cancelled and handled this CANCELLATION. 

DATE OF PURCHASE : XXXX XXXX DATE OF CANCELLATION : XX/XX/year> UNDER 60 DAYS. 

PROVIDED THIS INFO TO XXXX AS XXXX XXXX WOULD NOT CONTACT BARCLAYS. 

PROVIDED BARCLAYS WITH THIS INFO, INCLUDING FRONT PIC OF XXXX XXXX 60 DAY 100 % MONEY BACK GUARANTEE. 

STILL BARCLAY WILL NOT REIMBURSE ME AND I AM NOW WORRIED ABOUT MY XXXX XXXX XXXX BEING AFFECTED BY THIS!!!

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 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I paid this debt in full on XX/XX/year> however EASTERN ACCOUNT SYSTEM, IN has still been reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief