vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: AR

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 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 2025-01-14 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: LA

Complaint narrative:
Expersin has failed to full fil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestment of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau has already filed a lawsuit expersin alegging systemic issues such as failing to forward consumer provvided evidence to furthers accepting unreliable responses and failing to adequately notify consumers of disputes outcome .these failures align with my experience where expersin has neither connected nor removed these acct

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. 

I am filing this to report three fraudulent accounts appearing on my TransUnion credit report, these accounts consist of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and another personal loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in fraudulent hard inquiries and collections appearing on my credit report. List of inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the fraudulent items be removed from each of my consumer credit report. Remove the following addresses : XXXX XXXX XXXX, XXXX, NH XXXX, and XXXX XXXX XXXX, NH XXXX and the deletion of the following incorrect names : XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-14 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: U.S. BANCORP
State: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report leaving me in accurate or unverifiable accounts unresolved the consumer finance protection bureau has recently filed a lawsuit against XXXX such as systemic issues such as failure to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where XXXX has neither corrected nor removed disputed items, despite the evidence of 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, violate 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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For several years, I was using XXXX via my banks, Bank of America, and XXXX and the proper disclosures werent listed when I was using XXXX. Also, several times while using XXXX, when money was either sent to me or I sent money. There was a massive delay on receiving the funds. Sometimes it would be 24 to 36 hours before those funds were moved into different accounts. it was very frustrating to say the least.

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 2025-01-14 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: NC

Complaint narrative:
I reviewed my credit report and noticed this inaccurate information being reported on my credit report. I sent 2 letters to the Credit bureau requesting method of verification any documentation bearing my signature. I have not received any response. As per the Fair Credit Reporting Act ( FCRA ), Section 1681-2 ( b ), any information reported on my credit file must be thoroughly investigated and verified in a timely manner. It has been over 60 days with no 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: CA

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 2025-01-14 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: MOHELA
State: AR

Complaint narrative:
4 student loans on my credit report labeled MOHELA/XXXX  that are fraudulent. I did not open them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Address of XXXX, AL is showing on credit report and I have never lived at this address. I have lived in XXXX, AL all of my life and address should reflect as such. Current street number is XXXX, however I do not want to put the full address in this memo due to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I XXXX {$1000.00} to the wrong person because on my mobile banking app at the time Wells Fargo the number was registered in XXXX under my sisters name but that was no longer her number so it got sent to the wrong account, I called the number who I XXXX it to, he was an elderly man so he thought I was trying to scam him, he did end up going to the bank and no resolve, I did end up calling Wells Fargo but they told me there was nothing they can do about it. This was XX/XX/year> 2022

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had problems with chase bank funds that were sent through XXXX. Funds could be not be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was sent money through and app and it was held for 15 days which resulted in late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-14 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: CO

Complaint narrative:
I recently review a copy of my credit report and notice | had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America, XXXX XXXX violated federal law through critical failures including via XXXX : Leaving the door open to scammers : XXXX limited identity verification methods have allowed bad actors to quickly create accounts and target XXXX users. For example, criminals often exploited XXXX design and features to link a victims token to the fraudsters deposit account, which caused payments intended for the consumers account to instead flow to the fraudster account. 
Allowing repeat offenders to hop between banks : XXXX and bank of America were too slow to restrict and track criminals as they exploited multiple accounts across the network. Banks did not share information about known fraudulent transactions with other banks on the network. As a result, bad actors could carry out repeated fraud schemes across multiple institutions before being detected, if they were detected at all. 
Ignoring red flags that could prevent fraud : Despite receiving hundreds of thousands of fraud complaints, the XXXX  and bank of america banks have failed to use this information to prevent further fraud. They also allegedly violated the XXXX XXXX own rules by not reporting fraud incidents consistently or on time. 
Abandoning consumers after fraud occurred : Despite obligations under the Electronic Fund Transfer Act and Regulation E, the defendant banks failed to properly investigate XXXX customer complaints and take appropriate action for certain types of fraud and errors.

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: NV

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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

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 2025-01-14 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found multiple accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also realized that my information had been exposed in the XXXX data breach and ill provide proof of that as well. Please remove these accounts and inquiries from my credit report and as soon as possible. Thank you US DEPT OF ED XXXX - XXXX - XX/XX/XXXX - {$1300.00} ; XXXXDEPT OF ED XXXX - XX/XX/XXXX - {$1300.00} ; XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX XXXX {$430.00} ; XXXX XXXX XXXXXXXX - XXXX XXXX XXXX {$300.00} ; XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$500.00} ; Inquires ( XXXX XXXX XXXXXXXX XX/XX/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 2025-01-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found multiple accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also realized that my information had been exposed in the XXXX data breach and ill provide proof of that as well. Please remove these accounts and inquiries from my credit report and as soon as possible. Thank you US DEPT OF ED XXXX - XXXX - XX/XX/XXXX - {$1300.00} ; XXXX/DEPT OF ED XXXX - XX/XX/XXXX - {$1300.00} ; XXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX XXXX {$430.00} ; XXXX XXXX  XXXX - XXXX XXXX XXXX {$300.00} ; XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$500.00} ; Inquires ( 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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
When I first started using the transfer app Zelle with my bank. To send money to family and friends. It never gave a warning saying that if the funds were sent to the wrong person I wouldnt be able to receive a refund or anything for lost funds. Now theyve fixed the problem but its after I lost XXXX of dollars on the error.

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: KS

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft feees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against 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
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
( 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 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 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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

Account Name : 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 XXXX XXXX XXXX XXXXXX/XX/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 2025-01-14 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: SC

Complaint narrative:
Reported same item on credit report XXXX. Company just use old name and new name.

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