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

Complaint narrative:
XXXX 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 Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Inaccurate addresses were not removed from my report. The only accurate address that is valid is XXXX XXXX XXXX XXXX XXXX  DC XXXX. I have a fraud alert in my report via Experian and the other addresses except the DC  one was not removed after filing a dispute multiple times.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Currently have my credit in process of getting fixed. Came to notice that my personal information has been exposed in the data breach many times including name, address, account numbers ect. I have spoken to the credit unions and my information continues to be exposed illegally.

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: MI

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-15 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: SC

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be an issue with their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return, nor have I received any communication regarding this by mail.

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: CA

Complaint narrative:
i am writing to formally express my concerns regarding zelles handling of disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my finacial 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 finding 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 and 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-15 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable 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 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 laws 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: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : JPMCB CARD SERVICES

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX never been late 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 Account The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and law enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I accidentally sent money to somebody and money was never returned.

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

Complaint narrative:
On XX/XX/XXXX my cousin XXXX reached out to me and asked for my help finding a house for rent in the XXXX, GA area where I live so she could relocate here from XXXX, TN. So I went on a very popular and reputable website called XXXX that I had used several times before in the past. I found a listing at XXXX XXXX XXXX XXXX XXXX, GA XXXX so I reached out to the agent on the listing via text message on XX/XX/XXXX at XXXX, ( I have screenshots to show proof of all our messages back and forth ). He said his name was XXXX XXXX and he responded stating it was no longer available but he had another home at XXXX XXXX XXXX XXXX XXXX, GA XXXX and he sent me details with the pricing and rooms etc and pictures. We continued to communicate about move in date, application fees, rent amounts etc. We set a date for the following Monday to meet for me to see the place. 

Then he stated he can not meet me because he is in XXXX due to illness of his son who has been XXXX  from XXXX for 2 years and that he will provide me with the lock box code of his home to view myself. I provided some sympathies for his son and confirmed that I would call him on Monday for the code. 

Monday came, and he said that home is no longer is available but he had another home available at XXXX XXXX XXXX XXXX GA XXXX. He sent the details about the house and lock box information. I took my son with me to the house. When I arrived I facetimed my cousin XXXX who was in XXXX, TN so she could see the house. 

The lock box code worked. I was able to see the house. My cousin sent the money for the deposit to me. XXXX XXXX emailed the application and we continued to communicated via text with next steps about payment. He said the monthly rent is {$900.00} and refundable security deposit is {$1200.00} making it a total of {$2100.00}. So that is what my cousin sent me. That is what was sent to him. 

After the funds was sent, he started asking for more money for insurance cover policy which is when I started to get suspicious because I had never heard of such thing in renting ahouse.He asked for {$300.00} for insurance policy.I requested he email me a receipt for the funds I had already sent him and he refused to send it. Then he stopped communicating with me altogether on that Thursday. 

I reported this to the XXXX XXXX Police Department XXXX # XXXX. The police sent me a letter on XX/XX/XXXX saying a possible suspect has been identified but they were located outside of Georgia and the case was transferred to XXXX XXXX. ( the copy of the letter will be attached to this complaint ). 

I also reported it of course to XXXX  XXXX XXXX but I was told by them there was nothing they could do.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX has been reporting inaccurate late payments on my auto loan account. The late payments report as followed : account # : XXXX ( auto loan ) Inaccurate XXXX XXXX XXXX and XX/XX/year>. 

I was never late on this account. I spoke with a representative who also determined after thorough review that I was never late and provided me with an updated payment ledger proving my on time payment history, specifically notating the months that were reporting late- XXXX and XXXX XXXX as on time.

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: NJ

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, 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. 

( 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 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.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The phone number and email address on my Experian credit information is my correct, not matching my personal information. I am unable to verify my identity using my phone number through voice response system. I am asked to receive a code and that code is being sent to a number that I am not receiving. My recent credit report I ordered dated XX/XX/year> contains my cell phone number on the report and no other number is listed with my identity. 
The voice response system also informs me that my subscription has recently been cancelled to Experian. I was not aware that I had a subscription connected with this credit bureau. Also, I tried to use the online website to log in. I used my email address to receive a password reset, and I never received the reset link to my email.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding Multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account because I know for a fact that this has happened to me on several occasions. Navy federal should also have several phone calls from me over the past 10 years I have banked with them complaining about the fees they charged me because of their lagged postings. As you will see in the attached statement, the year to date overdraft fees I incurred in 2023 for 2 accounts was {$1000.00} and {$750.00} in return item fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
We signed up for a Debt Relief program with Beyond Finance based in XXXX California. I spent quite a bit of time speaking with the account manager about the details of the account. We signed up in XXXX or early XXXX with a credit card balance of XXXX cards totaling {$21000.00}. They said they could reduce the amount by 40 % and that their fee to do this was 10 %. 
We are still getting calls from the creditors and being charged 31 % interest on these balances. Beyond finance has been collecting {$370.00} per month since the beginning to pay them. Only one card has been paid off in that time and now the company wants to charge XXXX {$490.00} fee for paying off that card with our money or 25 % of the balance. It makes no sense that anyone would agree to that. 
The difference in what we owed and could have paid the credit card company ourselves was almost the same. Meanwhile, our credit is ruined. 
This can not stand. Beyond finance is a scam company and should be stopped.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX account on my experian shows XXXX 60 days late for XXXX and XXXX. Shows im past due {$450.00} which is incorrect i have paid them up to date and they had reported accurate up to XXXX and when i went to dispute it with experian they put it as delinquient and shows late which is incorrect. I am in process of a mortgage loan and this is affecting me i need this resolved as soon as possible

Company response to consumer: Closed with explanation