vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please assist me by removing and blocking the fraudulent inquiries that appear on my credit report. I would greatly appreciate your prompt attention to this matter to ensure the accuracy and integrity of my credit information. Thank you for your understanding and cooperation.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NV

Complaint narrative:
Subject : Formal Complaint Regarding Recurring Transfer Issues and Request for Resolution Dear Zelle Customer Support, I am writing to formally express my frustration and disappointment regarding the recurring issues Ive experienced when attempting to transfer money through Zelle. On several occasions, I have been unable to send funds to individuals who are saved in my contacts, despite meeting all the necessary requirements for successful transactions. 

When I contacted Zelles customer support for assistance, I was repeatedly redirected to my banksXXXX and XXXX XXXX XXXX XXXX. However, both institutions have made it clear that the issue lies within Zelles system and not with their banking platforms. This constant back-and-forth has resulted in significant delays, with no proper resolution provided. 

These ongoing issues have caused severe disruptions in my life. Specifically, Ive experienced : Delays in paying critical bills, leading to late fees and financial penalties. 
Interruption of my ability to support my family financially during crucial times. 
Significant stress and inconvenience due to time wasted attempting to resolve these issues with no clear guidance. 


I kindly request that Zelle conduct an immediate investigation into these issues and provide a clear resolution, along with compensation for the financial and personal impact this has had on my life. If this matter is not addressed adequately, I will consider escalating my complaint to regulatory agencies or seeking legal advice to explore further remedies. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputing Information on a credit report I am writing to dispute the following information from your companies I am writing to dispute information on my [ credit report/account ] that has been compromised as a result of a data breach. It has come to my attention that personal information of mine has been exposed and possibly misused due to this breach. As a result, certain accounts or activities on my credit report do not accurately reflect my authorized actions. 
My social security information was exposed and misused by someone As this data breach was beyond my control, I request that you investigate the affected account ( s ) Equifax XXXX XXXX XXXX XXXX XXXX XXXXand take appropriate action to correct or remove any fraudulent entries linked to this breach. I also request that you block any information resulting from the breach in compliance with the Fair Credit Reporting Act ( FCRA ). 

I have been notified of this breach by, and I have taken steps to mitigate the potential damage, including such as freezing your credit and reporting fraudulent activity. A copy of the breach notification or any related documentation is attached for your reference. 

Please notify me of the actions taken to resolve this matter. I look forward to your prompt response and the necessary corrections being made to my account/credit report. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I made 2 payments to my account on XX/XX/XXXX. They totaled {$710.00}. If they were applied correctly and as stated in the terms included with my statement, they would have paid off my soonest expiring promotional purchase {$660.00} and that left {$52.00} to pay the minimum due for my other 2 promotional purchases. The minimum due on those 2 purchases was {$51.00} ( $ XXXX ) as shown on my XXXX statement. There would have been and extra {$1.00} that should have been applied to the remaining balance. The bank did not credit my account properly and applied much of my payment to a later expiring promotion therefore not paying off my earliest expiring plan and creating an interest charge that was {$130.00}. I contacted the bank by phone on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and was given the run around without regard for what is stated in the terms for how payments are applied each time. I then sent a letter in the mail on XX/XX/XXXX as the bank had not given my any written documentation as to my dispute. Today on XX/XX/XXXX I received a letter via my account that states only that they can not address my problem and I would need to call which I have already done. I am including documents with my complaint. The letter I mailed, as well as the XXXX and XXXX statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I am trying to apply for credit and this debt is apart of other debts that I am not sure of its validity and it's hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
I sent a letter to hireright asking the to reinvestigate the information listed on my driver report. I sent in information explaining that I was a owner XXXX for XXXX XXXX and had a right to refuse loads, I also asked for copies of all logs that the alleged had violations. I also ask for proof that being where I misappropriated company funds. A I never had access to company funds. None of this information was supplied. The only read what their customer said no proof provided this must be removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
There's been a variety of issues. The first issues which we have let go at this point but figured we bring up is that we we initially signed up for the card they were offering a XXXX bonus points for signing up and completing some requirements. We only received I believe XXXX bonus points and when we tried to argue they brushed it off and never resolved the issue. They also stated it included waived cancelation fees, this was also inaccurate which we found out the hard way. The only reason I bring this up is because initially when we signed up they also told us that for the free check in bag benefit to apply, all we needed to do was use the card when making the reservation and that the card holder and his travel companions would receive a free check in bag. 

I've used my Jetblue card to book all my jetblue flights and now have continued to run into issues. At first when we called they said it was an issue on their end when they charged us for a bag because the card holder was on the reservation and shouldnt have been charged. Then it happened again and they brought up an issue stating that the XXXX account didnt match the reservation. I do not have a jetblue account and always ask my son to book my flights for me. I have been sending them emails trying to resolve the issue, as being on the phone has extremely long hold times. The customer service representatives continue to reiterate the same thing about the XXXX  account but dont answer my questions or address my concerns. Jetblue has continued to act in bad faith and have been very deceptive in their practices. We are looking for assistance in resolving this issue. 

The actual credit card company stated the same that the card holder need to be on the reservation but did not mention anything about a XXXX  account. 

Jetblue Case : XXXX Flight Date : XX/XX/XXXX Confirmation 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 2025-02-10 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-10 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:
This erroneous account is to be deleted from my Experian and Transunion credit report, as Equifax has already removed this inaccurate information XXXX XXXX XXXX XXXX The correspondence from the company is attached. There are clear discrepancies such as the date last active being reaged. How does this meet FCRA regulations? Remove this immediately.

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 2025-02-10 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Ive never lived at XXXX XXXX. They got their application fee paid. I told this collector several times and sent proof of my account from where they were paid. Everytime someone calls on their behalf they threaten my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

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 2025-02-10 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: NV

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 2025-02-10 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate and negative information appearing on my credit report. I recently reviewed my credit report from and discovered errors that are adversely affecting my credit standing. I believe these inaccuracies stem from a credit data breach in which I was a victim, resulting in unauthorized accounts and fraudulent activity being reported under my name. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these errors. 

The disputed items are as follows : 1. Creditor Name : Attached Account Number : Attached Error Description : identity theft-related errors 2. Creditor Name : Attached Account Number : Attached Error Description : identity theft-related errors 3. Attached, identify theft related errors As a victim of a data breach, my personal information was compromised, leading to unauthorized use of my credit. I have taken steps to report this fraud, including filing a report with [ Name of Agency, e.g., Federal Trade Commission ( FTC ), Identity Theft Resource Center, local law enforcement ], and I have attached a copy of the report for your reference. Additionally, I have included supporting documentation such as my credit report highlighting the errors, relevant correspondence, and any fraud alerts placed on my credit file. 

I request that the CFPB conduct a thorough investigation and take the necessary action to correct or remove these inaccurate items from my credit report. Please provide me with a written confirmation once the dispute is resolved.

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 2025-02-10 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: KY

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 with transactions were authorized, I was charged fees due to lagged posting 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