vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Urgent Request for Immediate Removal of Fraudulent Addresses and Accounts To Whom It May Concern, I am contacting you to formally dispute inaccurate and fraudulent information appearing on my credit reports from TransUnion, XXXX, and XXXX. I have identified several addresses and two accounts that are not mine and were fraudulently reported. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to correct these errors. 

True Address ( The Only Accurate Address ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX Addresses to Be Removed Immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MD XXXX Fraudulent Accounts to Be Removed Immediately : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX I have included a copy of my government-issued ID, utility bill, and FTC Identity Theft Report ( # XXXX ) to verify my identity and support my claim. Under the provisions of the FCRA, including but not limited to 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ), credit bureaus are required to remove or block disputed fraudulent information once sufficient evidence is provided. I have met these requirements and expect you to fully comply.

Failure to correct this information in a timely manner may result in further legal action. I trust that you will treat this matter with the seriousness it deserves and resolve it within four business days. Please confirm in writing once these inaccurate addresses and accounts have been permanently removed from my credit file. 

Sincerely, 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 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Urgent Request for Immediate Removal of Fraudulent Addresses and Accounts To Whom It May Concern, I am contacting you to formally dispute inaccurate and fraudulent information appearing on my credit reports from XXXX, XXXX, and Equifax. I have identified several addresses and two accounts that are not mine and were fraudulently reported. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to correct these errors. 

True Address ( The Only Accurate Address ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX Addresses to Be Removed Immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX Fraudulent Accounts to Be Removed Immediately : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX I have included a copy of my government-issued ID, utility bill, and FTC Identity Theft Report ( # XXXX ) to verify my identity and support my claim. Under the provisions of the FCRA, including but not limited to 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ), credit bureaus are required to remove or block disputed fraudulent information once sufficient evidence is provided. I have met these requirements and expect you to fully comply.

Failure to correct this information in a timely manner may result in further legal action. I trust that you will treat this matter with the seriousness it deserves and resolve it within four business days. Please confirm in writing once these inaccurate addresses and accounts have been permanently removed from my credit file. 

Sincerely, XXXX XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 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: NY

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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERICAN PACIFIC MORTGAGE
State: MI

Complaint narrative:
Immediately after going under contract on XX/XX/XXXX, XXXX XXXX handed me off to another group of loan officers ( headed by XXXX XXXX ) without so much as a formal introduction. I experienced several issues with my new contacts at American Pacific Mortgage over the course of purchasing process, and although XXXX was copied on all correspondence, he stopped all communication with me. Im not sure what his role is in the process of my home buying experience, but he failed to assist me in the manner I expect and experienced in the past when I used him for a previous purchase in XXXX. 

I was never contacted to review various options for locking in a loan rate. Instead, XXXX chose to sign me up for paying 1.721 % in points to buy down my interest rate without discussing the decision with me first. I noticed this large amount added to my closing settlement late in the day before my scheduled closing date of XX/XX/XXXX. When I called XXXX out on it, she more or less inferred it was my fault for not seeing this on the disclosures sent to me throughout the load application process. In her words, it was my fault and not hers that the decision was made to add {$4300.00} in loan fees without me being made aware of this until the day prior to closing. I expect more from a loan officer. I will not work with XXXX or American Pacific Mortgage again nor will I recommend anyone else to do so. 

Since closing on my loan on XX/XX/XXXX, Ive asked both of my loan contacts ( XXXX XXXX and XXXX XXXX ) to provide me with the documentation of when I was informed of the interest rate I had locked in and the points I was paying to get that rate. Neither XXXX nor XXXX have responded to my request. I would like to know when and how I was informed of the points I would pay and in what manner I acknowledged this information. I feel the reason they wont answer my question is because they know they misrepresented me and my rights to make this decision myself instead of having it made for me and then the sneaking it into some hidden disclosure on their company portal that I was expected to notice without being told in any way whatsoever.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Zelle regarding an unresolved fraud alert issue that has persisted on my account since XX/XX/year>. I have been a regular user of Zelle for both sending and receiving payments without any previous problems. However, after attempting to receive a payment of {$100.00}, a fraud alert appeared, canceling the transaction. Since that time, every attempt by anyone to send me moneyregardless of the amounthas triggered the same fraud alert, preventing me from using my account. 

I contacted Zelle customer support immediately after the issue arose. I was transferred multiple times, but no solution was provided. Eventually, I was assured that the issue would be resolved, but the problem remains ongoing. Despite reaching out to customer support at least 4-5 times, I am still unable to use my Zelle account . 

I am particularly concerned because, according to the Consumer Financial Protection Bureau 's findings, Zelle has been criticized for failing to protect consumers adequately and for allowing repeat offenders to exploit the system. As a result, users like myself are left vulnerable to potential scams and account issues without recourse. 

I am requesting your assistance in addressing this issue and ensuring that Zelle takes the necessary steps to resolve it. Specifically, I would like to have my account reinstated so that I can send and receive payments without encountering fraud alerts. I would also appreciate an investigation into Zelles practices and policies surrounding fraud prevention and consumer protection. 

Thank you for your attention to this matter. I look forward to your 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 — Virtual currency
Issue: Other service problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
Dear CFPB I am writing to file a formal complaint regarding an issue I have experienced with CoinList, a cryptocurrency trading and investment platform. 

Background Information : I have been a registered user on CoinList for approximately 5 years, and I accumulated XXXX XXXX  points, which granted me Platinum status and priority access to token sales. This status is achieved by consistent engagement and activity, and only 1-2 % of users out of over XXXX XXXX on the platform achieve this level. I have participated in many token sales and spent $ XXXX monthly to maintain my activity and improve my XXXX  score. 

Issue Description : As part of CoinLists re-verification process for all users, I completed all required steps except the final one : address verification. I initially submitted a document from XXXX confirming my address, but shortly afterward, my account was restricted. 

To resolve this, I opened a support ticket on XX/XX/year>, and provided an updated address document from a different bank, XXXX XXXX. I was informed by the support team that my case would be escalated to a higher team. However, despite multiple follow-ups, I have not received any further response or resolution. 

Impact : As a long-term, active user, I find this situation deeply unfair and detrimental. My account remains restricted, despite my willingness to comply with all verification requirements. Without resolution, I am unable to fully access or manage my account. 

What I Am Seeking : I request the opportunity to complete the address verification step and have my account reinstated. I have provided all required documents and am willing to submit any additional information needed. 

Thank you for your time and assistance in addressing this matter. I am available to provide further details or documentation upon request. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XX/XX/XXXXXXXX  an account from Barclays Delaware open up on my credit account when I don't even live dear there, or opened anything account. XX/XX/XXXXXXXX  I'm charged XXXX dollars for no reason. Barclays Delaware is literally reviewed as a scam place and, no one is doing anything about 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 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one changing its 360 savings account percentage from 0.4 to 0.3 %

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief
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: MD

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 imes 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