vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), my rights under 15 U.S.C. 1681 have been violated. This law ensures that I have the right to privacy, as stated in 15 U.S.C. 1681b, which also specifies that a consumer reporting agency can not furnish information on an account without my explicit written authorization or unless permissible by law. Additionally, under 15 U.S.C. 1666b, creditors may not treat payments under an open-end consumer credit plan as late for any purpose if the payment complies with the terms of the agreement.

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 2025-01-22 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: KY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling in disputes, particularly in light of 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 these funds was impossible and that tracking these transactions were 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 users vulnerable to scams. This lack of accountability an transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I always make sure to pay my bills on time, so I dont understand why this company claims I was late in some months. As stated in USC 1666b, any billing errors should be corrected and properly marked as paid on time.

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 2025-01-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX  Balance {$3000.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$990.00} Open Date XX/XX/XXXX XXXX  XXXX  XXXX  XXXX {$950.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$410.00} Open Date XX/XX/XXXX inquiries XXXX  XXXX  # XXXX Date XX/XX/XXXX XXXX  XXXX  XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX  XXXX Date XX/XX/XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Date XX/XX/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 2025-01-22 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: FL

Complaint narrative:
Account Name : Acceptance Now Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, 2018, and the last activity date is XXXX XXXX, 2024, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : Acceptance Now Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, 2018, and the last activity date is XXXX XXXX, 2024, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : Acceptance Now Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, 2018, and the last activity date is XXXX XXXX, 2019, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

These discrepancies fail to meet the standard of maximum possible accuracy as required by law. 

Please investigate this matter and provide a written confirmation of the actions taken. If no action is taken, I may escalate this matter further with additional legal remedies.

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 2025-01-22 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:
Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, XXXX, and the last activity date is XXXX XXXX, XXXX, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, XXXX, and the last activity date is XXXX XXXX, XXXX, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : The open date and last active date reported on this account are inaccurate. The reported open date is XXXX XXXX, XXXX, and the last activity date is XXXX XXXX, XXXX, which conflicts with accurate reporting standards. 
Action Requested : Delete this account immediately due to non-compliance with FCRA requirements. 

These discrepancies fail to meet the standard of maximum possible accuracy as required by law. 

Please investigate this matter and provide a written confirmation of the actions taken. If no action is taken, I may escalate this matter further with additional legal remedies.

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 2025-01-22 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: TX

Complaint narrative:
I did not authorize this inquiry XXXX XXXX XXXX XXXX XXXXXXXX,2024

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 2025-01-22 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 XXXX handling of disputes, particularly in the 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 users 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently closed my Citibank account, ending in XXXX. My ssn ends in XXXX. At the time I closed the account, I was asked why I was closing the account. I explained that I was closing it because I never received what I was promised when I opened the account. 
No one at the bank made any attempt to rectify the situation, so I am filing a formal complaint. 
At the time I opened the account, a few years ago, I was told there was a special promotion going on based on the amount deposited into the account. 
Based on the amount I deposited, which was over {$81000.00} and the length of time I would have to keep it in the account, amount I believe I was due {$700.00} XXXX received nothing however I'm not at home, so can't access that account or the brochure that advertised the promotion, but I DO have the brochure and the statement that shows that my deposit and the length of time the money was in the account and can access it when I return home in a few months. But I'm sure, in the meantime, Citibank can find the information based on my name, the last XXXX digits of my account number and the last XXXX digits of my ssn,

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
I have an auto loan on my credit from XXXX XXXX  ; XXXX XXXX XXXX, for roughly XXXX. That vehicle was totaled and payed off in XXXX 2024, I need this vehicle taken off my credit because it is payed off, the account is non existent and I do not make payments on it as of XXXX because it was totaled and payed off by my insurance and their XXXX  XXXX. This is affecting me negatively when my insurance payed them! And they said they were just waiting on their title back to them in the mail.. that shouldnt be negatively affecting me because the XXXX  hasnt sent them their new title back. The account is no longer existent, you cant look it up in their system because it was written off yet they say they cant fix it on my credit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I deposited a check into my TD account. It was for our company, in which I was authorized to sign for. The check was accepted and held. On XX/XX/XXXX the funds were taken from the signers account and my TD bank account was closed. This was after TD bank representatives contacted my client and he authorized the check to be deposited into said account. That same day, my account was closed. I called and they told me after XXXX  days the amount in the account would be sent in check form to my address. I have contacted TD Bank numerous times and am given the run around each week. They have stated that the check was bad, which I have proof it was debited from the signers account. They also told me it was in a special account and will be sent back on their time. We are now into XXXX and I have no answers or anyone who will speak to me. I have contacted ( XXXX ) XXXX on XX/XX/XXXX and left a message with no response. This is the fraud department. I have again contacted them with no answers. I need either the check back or my client needs to be refunded his money so he can reissue me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
I am writing to file a compliant against navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees XXXX  to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settle 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, I'm reaching out because td bank sent me an email that was titled " XXXX, Redeem your {$200.00} today! '' so i obviously opened the email to try redeeming the {$200.00} the email clearly said i received, but to my surprise, the email is actually about how someone can receive a {$200.00} bonus if they open a savings account, deposit {$10000.00} into it, and wait XXXX  days. What I'm saying is this, Td bank did false advertising, because the title says " redeem '' meaning I'm already qualified for the payment and simply need to receive it, and the email also said i could get it today, yet the email says i have to wait at least XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
The credit limit and/or high balance are/is incorrect This account is too old to be on my credit report The amounts, other than balance and/or past due, are incorrect The balance and/or past due are/is incorrect The dates on this account are incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.

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 2025-01-22 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:
The credit limit and/or high balance are/is incorrect This account is too old to be on my credit report The amounts, other than balance and/or past due, are incorrect The balance and/or past due are/is incorrect The dates on this account are incorrect Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information that I believe is inaccurate. The FCRA mandates that credit reporting agencies investigate any disputed information within a reasonable time frame. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an incorrect address on my credit report is a violation of these legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been battling with Equifax for months. I sent a letter to them that I received from the bankruptcy courts. All reps that I spoke with said that they could not accept this letter nor remove the bankruptcy off my credit report because the letter was not detailed enough. Please see the attached letter. The letter has the case number, signature and stamp. Equifax wants a full detailed letter from the courts so they try to confirm information and keep negative information on my credit report. EQUIFAX have aided this Fraud by not verifying these accounts. You are legally required to insure you are exercising your grave responsibility with fairness, impartiality, and a respect for my right to privacy. Especially, since you dont have my written instruction to furnish the information in the first place. I have attached all the relevant documents pursuant 15 USC 1681c-2. Pursuant to 18 USC 1028A, you have knowingly transferred, possessed, and used my nonpublic personal information and I demand that you immediately block and delete the accounts listed below within 4 business days as required by law.

I also demand an updated copy of my Consumer file reflecting these changes. you of a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate action to correct this issue. Specifically, Equifax has failed to conduct a reasonable investigation regarding my disputes, resulting in the continued reporting of inaccurate information on my credit report. Furthermore, you have failed to provide the requested proof of the disputed items. Please delete this negative item!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

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 & # XXXX ; 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