vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: Scratch Financial, Inc.
State: NJ

Complaint narrative:
On or around XX/XX/XXXX, sent a letter to XXXX to dispute the accuracy of fraudulent accounts found on my credit report ; specifically, a loan account opened by SCRATCH FINANCIAL on XX/XX/XXXX without my knowledge or consent. I informed XXXX that I did not open this account, now did I authorize anyone to use my personal information to open this account. I also filed an Identity Theft Report with the FTC. I provided a copy of my FTC Identity Theft Report, a copy of my drivers license, proof of residence, and a copy of my credit report. I asked that XXXX remove the fraudulent account and block any future reporting. 

XXXX refused to block the fraudulent report after XXXX business days. On XX/XX/XXXX, I received a notification from XXXX that they completed their investigation and found that the account was verified and accurate. However, this is not true because I have been in communication with SCRATCH FINANCIAL who is working with me to investigate the fraudulent account ( see email from SCRATCH FINANCIAL dated XX/XX/XXXX ). If Scratch Financial, the company which opened the fraudulent account, still has not completed their investigation, then XXXX can not have possibly completed their investigation. 

On XX/XX/XXXX, I attempted to call XXXX again to discuss the dispute results and was not able to get a live agent on the phone and was not able to file a new fraud dispute. As of this date a fraudulent account opened by SCRATCH FINANCIAL remains on my credit report and has caused my credit score to be negatively impacted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XX/XX/XXXX {$6500.00} fraudulent, inaccurate, and false information in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: AZ

Complaint narrative:
As a long-time user of Zelle, I am compelled to express my deep concern regarding the platform 's handling of disputes, particularly in light of the recent CFPB lawsuit. Despite my efforts to report discrepancies, I have been met with inadequate investigation and dismissive responses from both my financial institution and Zelle. The CFPB 's findings are alarming, highlighting Zelle 's failure to protect consumers and its inability to prevent repeat offenders from exploiting the system. I urge Zelle to take immediate action to address these systemic issues and ensure that users are adequately protected from scams and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>2024, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. They replied, saying, We do not report any bankruptcies to anybody. If thats true, how did the credit bureaus claim my bankruptcy is 100 % accurate? They didnt follow the law and didnt do a proper investigation, as required by **15 U.S.C. 1681**.

How They Broke the Law : 1. **No Proper Investigation** Under **15 U.S.C. 1681 Section 603 ( 3 ) ( E ) **, an investigation is supposed to include checking with people who know me or have information about me. They cant just rely on other creditors or reporting agencies. The credit bureaus didnt do this.

2. **Right to Privacy** According to **15 U.S.C. 1681 Section 602 ( a ) **, I have the right to privacy. The credit bureaus ignored this right.

3. **No Permission Given** Under **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) **, theyre not allowed to share my information without my written permission. I never gave them permission.

4. **False Information Reported** **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** says that no one is allowed to report wrong information if they know its not accurate or have a reason to doubt it. My bankruptcy wasnt verified properly, so they broke this law too. 

The credit bureaus didnt follow the rules and violated my rights. They didnt check the facts, and their mistakes caused harm to me.

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 2025-01-15 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: NC

Complaint narrative:
This began in XX/XX/year>2023. When someone had fraud my Zelle account and took out {$380.00}. I contacted Zelle for fraudulent transactions that were made without my knowing. It took them a month for them to start a claim and open up a new banking account. But Ive never received a refund for the amount of money that I was taken out of my account by Zelle. They never explained by email or on the phone with customer service on why they never refunded me the money. Ive had plenty of issues with Zelle as being money transfers and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CO

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 2025-01-15 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts were unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging Systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience were experian, has neither corrected nor removed disputed items despite the evidence I provided.causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law and my rights as a consumer.

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 2025-01-15 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: GA

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
Id also like to include an amount of XXXX check that was released which I informed XXXX I did not authorize this they did not try to resolve this and I lost that amount!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
I have been dealing with major identity theft since 2022. I have filed a police report, submitted a complaint to you guys, and the credit bureaus are not taking it seriously. my house was broken into and I have been a domestic XXXX experience. i had a phone number to call before issuing credit. they have not been doing that. how do I know, the number is no longer in service and I couldn't get this information to get a car loan that I actually applied for but they keep issuing credit. consumers need help not machines at the credit reporting agencies

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the furnishing of my credit report by Equifax, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I assert that you have violated my rights under the FCRA by REMOVING a Collection that's shouldn't have been reporting Under 15 U.S.C. 1681b, credit reporting agencies are prohibited from providing consumer reports unless there is a permissible purpose as outlined in the statute. Additionally, failure to ensure the accuracy and integrity of furnished data violates 15 U.S.C. 1681e ( b ). These violations have caused me distress and inconvenience, as well as potential harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I was trying to send a Zelle payment to my mother and it was accidentally sent to the wrong person. There was no confirmation section before the money was sent, so I wasnt able to catch that I was sending the money to the wrong person. I wasnt able to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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, Zelle and my financial institution failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions wasn't feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but 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 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a capital one 360 savings account and never received the promised interest rate of about 4 % ever. I was also promised about {$300.00} for opening a checking and depositing XXXX direct deposits of {$500.00} or more and i never received the additional {$300.00} as well. i believe this company is using tactics to get customers to open savings and checking accounts but not fulfilling the promises in hopes that the consumer will just forget and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian l, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Payment history inaccuracies were found amongst other things.

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 2025-01-15 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 concern 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 wasnt feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concern about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
I am writing to formally express my issues regarding Zelle 's handling of disputes, inlight of the active lawsuit Zelle has highlighting significant issues with the platform. despite using Zelle multiple times and reporting discrepancies my finical 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. Per CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving their customers helpless and vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: GA

Complaint narrative:
Carvana has failed to initiate a refund for my cancellation request on an order. The order was cancelled on XX/XX/year>. I am due a refund of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: OH

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 2025-01-15 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
NCAC has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. These failures align with my experience, where NCAC has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as NCAC inaction violates federal law and my rights as a consumer. I do not owe anything to National Credit Audit Corporation nor XXXX XXXX XXXX XXXX XXXX. NCAC purchased a bad debit and still want me to pay for what I do not owe. I sent the proof to XXXX XXXX via email on XX/XX/22 after she emailed me where to send the information. After receiving the email I was told that the company is no longer in business and to pay XXXX to settle after she acknowledged that there was a mistake.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-15 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: MA

Complaint narrative:
Please reverse this late payment out of my credit report to On Time this is incorrect and needs to be fixed immediately this is a violation of FCRA Law Code 15 USC 1666B timing of 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681N Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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