vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Some unknown dates Transactions were made from my account to another account without my authorization and when I contacted my bank they didnt do anything about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I called today and have been sitting on hold for 2 hours and 45 minutes. It's impossible to get someone to speak with regarding my borrower defense application and my entitled forgiveness as full class in the XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 checked my credit report and I have discovered fraudulent accounts on it XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX are fraudulent accounts.

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 2025-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my report, I noticed several discrepancies that need to be corrected. Below are the details of the accounts in question and the reasons for my dispute : XXXX XXXX Account Issue : The report indicates a charge-off of {$250.00}, but I paid this account in full before the charge-off date. The status should reflect " Paid in Full '' rather than " Potentially Negative. '' Requested Correction : Update the status to reflect the accurate payment history and remove the negative designation. 
Wiseloan Account ( Date Opened : XX/XX/XXXX ) Issue : This account shows as open and {$1300.00} past due, but the account opening date is listed as XX/XX/XXXX, which is incorrect. It is impossible for this account to have been opened in the future. 
Requested Correction : Verify the correct opening date for this account and remove any inaccurate past-due balance if the account is improperly reported. 
XXXXXXXX XXXX XXXXXXXX Account Issue : The account reflects a charge-off of {$710.00}, but I never opened an account with XXXXXXXX XXXX This appears to be a case of mistaken identity or fraudulent reporting. 
Requested Correction : Remove this account entirely from my credit report as it is not mine. 
I have attached copies of supporting documents, including proof of payment and identification, to assist with your investigation. Please conduct a thorough review of these accounts and correct any inaccuracies. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within XXXX days. Please provide me with a written response outlining the results of your investigation and an updated copy of my credit report once the corrections have been made. 
Thank you for your prompt attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, 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 2025-01-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CO

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 2025-01-21 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 and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of my disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian and XXXX 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 online with my experience where Experian and XXXX 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 and XXXX inaction violates federal law in 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 2025-01-21 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: MO

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: HI

Complaint narrative:
Received a promotion for 50 % off annual Google XXXX XXXX subscription XXXX $ years from XXXX $ annual subscription. Bought new security camera - XXXX  battery order XXXX. Clicked email with promotion from XX/XX/XXXX. XX/XX/XXXX it billed me full price. No support agents wish to take responsibility for their promotion nor have any details or information regarding it. I am submitting all in hopes of transparency and forcing of Google not to treat customers as disposable and not to honor offers sent by them in timely fashion afforded to consumer. Please protect consumer by legitimizing all the evidence submitted against XXXX XXXX Google

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Two weeks ago, I received an email from Capital One credit card company. The email said you have been invited for a credit card and you can apply WITHOUT NO HARD INQUIRY TO YOUR CREDIT PROFILE. Because it said no hard inquiry I went through the approval process. They sent an email saying I have been approved and then DID NOT wait for my consent and instead they sent me the credit card notification that now I have the credit card. I never gave consent! So they fraudulently did a hard inquiry which negatiively impacted my credit and then when I called today to complain and say why did you all send the card through without my consent. It wasn't even for an amount that is worthwhile to me ( {$500.00} ). I want you all to fix this. They took a few minutes to come back and say they couldn't increase it to a worthwhile amount if I desired to keep it and there was nothing they could do but cancel the card if I choose. So I said cancel and I'm reporting it to CFPB about your fraudulent behavior. Now there will be another negative hit on my credit profile. This company is a fraud and are exploiting customers. I am requesting investigation and that the hard inquiries both be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Data Breach Incident Dear Customer Service Department XXXX I am writing to formally dispute and express my concerns regarding the recent data breach that occurred within your organization. I have been notified that my personal information was potentially compromised, and I would like to address the situation as it directly impacts on my privacy, security, and well-being. 
Incident Details According to the notice I received, my personal data was compromised during the breach that occurred on [ date of breach ]. The data that was potentially accessed or exposed includes [ list specific information if available, such as name, address, Social Security number, financial data, etc. ]. This incident is of serious concern, and I require immediate clarification and resolution. 
Request for Investigation and Resolution I request the following actions : XXXX. Full disclosure of the breach details : Please provide a clear and detailed explanation of how the breach occurred, including the type of information exposed and the timeline of events. 
XXXX. Action taken to mitigate harm : I would like to know the specific steps you have taken to resolve the breach and prevent any future incidents. Please also provide information about any steps I can take to further protect myself. 
XXXX. Assistance with identity protection : If applicable, please provide free credit monitoring or identity theft protection services for a specified period, as this breach has exposed my sensitive personal information. 
XXXX. Confirmation of dispute resolution : Please inform me of your efforts to resolve this issue, including any compensation, corrective actions, or further steps you will take to rectify the situation. 
Request for Confirmation Please acknowledge receipt of this letter and provide a response to my inquiries no later than [ set a reasonable deadline, e.g., XXXX days from the date of this letter ]. I am prepared to pursue legal action or further escalate the issue if a satisfactory resolution is not achieved in a timely manner. 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution to this dispute. 
Sincerely, 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 2025-01-21 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: MD

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Data Breach Incident Dear Customer Service Department XXXX I am writing to formally dispute and express my concerns regarding the recent data breach that occurred within your organization. I have been notified that my personal information was potentially compromised, and I would like to address the situation as it directly impacts on my privacy, security, and well-being. 
Incident Details According to the notice I received, my personal data was compromised during the breach that occurred on [ date of breach ]. The data that was potentially accessed or exposed includes [ list specific information if available, such as name, address, Social Security number, financial data, etc. ]. This incident is of serious concern, and I require immediate clarification and resolution. 
Request for Investigation and Resolution I request the following actions : XXXX. Full disclosure of the breach details : Please provide a clear and detailed explanation of how the breach occurred, including the type of information exposed and the timeline of events. 
XXXX. XXXX taken to mitigate harm : I would like to know the specific steps you have taken to resolve the breach and prevent any future incidents. Please also provide information about any steps I can take to further protect myself. 
XXXX. Assistance with identity protection : If applicable, please provide free credit monitoring or identity theft protection services for a specified period, as this breach has exposed my sensitive personal information. 
XXXX. Confirmation of dispute resolution : Please inform me of your efforts to resolve this issue, including any compensation, corrective actions, or further steps you will take to rectify the situation. 
Request for Confirmation Please acknowledge receipt of this letter and provide a response to my inquiries no later than [ set a reasonable deadline, e.g., XXXX days from the date of this letter ]. I am prepared to pursue legal action or further escalate the issue if a satisfactory resolution is not achieved in a timely manner. 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution to this dispute. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I told a customer service rep at New Rez that I never rec 'd the {$87.00} they allegedly mailed as a check on XX/XX/XXXX to the address of the property we sold. He took my checking account details and said I would get a direct deposit of that amount on XX/XX/XXXX. The deposit never arrived so I called New Rez on XX/XX/XXXX and explained situation. Customer service rep said it would be " escalated. '' I called new Rez today, explained situation. Customer service rep said there is nothing in the notes about an escalation ; she has now requested it be escalated. 

I paid off this mortgage on XX/XX/XXXX. NewRez insisted we pay interest thru end of XXXX as part of closing costs. While they acknowledge they owe me {$87.00}, I can not seem to collect it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
My lease which has started on XX/XX/year> has disappeared from my credit report in XX/XX/year> and has not shown up since. Ive checked all credit bureaus : XXXX, XXXX, & XXXX and my lease or payment history is not shown. This is effecting my credit score and payment history, plus it has drastically dropped my score due to the hard inquiries Ive received when applying for said lease. My objective is to have my loan/payment history updated with the CORRECT information and also have said inquiries removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX last XXXX XXXX CFPB fines Equifax XXXX XXXX over errors on credit report The CFPB alleged the credit bureau failed to properly investigate consumer disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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, XXXX and 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 Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX and XXXX, 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

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Failure to take timely and effective warnings ; effect measure to detect prevent ; failure to safeguard the Zelle network

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OK

Complaint narrative:
The account starting with XXXX with the balance of {$4600.00} payment information is incorrect. The loans have been in deferment since XXXX  when the pandemic started. I contacted XXXX to let them know and dispute the info. The other accounts were corrected but this account was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: 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 explanation
Consumer complaint received 2025-01-21 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: 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