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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: MO

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 furnishes, 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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LEADER ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I recently applied for a mortgage with LeaderOne Financial Corporation. I applied for a USDA home loan where there is no credit minimum set by USDA, however Im being told that even though there is no credit minimum set by USDA that I would need a XXXX in order to qualify for the loan and that no lender would process a loan for a credit score under XXXX. This credit minimum given is higher than an FHA minimum which is XXXX, and USDA doesnt even have a set minimum. This is blatant discrimination

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a XXXX Banking checking account on XX/XX/XXXX without issue. I was validated and verified with paperwork from my attorney in XXXX XXXX, XXXX. I deposited {$500.00} and began useing Mobile and Online banking without issue. Between waiting for my Debit Card to be received by mail, I deposited {$6500.00} using a Cashier 's check issued by XXXX XXXX XXXX check number XXXX and to the name XXXX XXXX, the same name for the new account with Truist. 
I received my new Debit Card the week of XX/XX/XXXX and upon attempting to Activate the card and use my account, I was informed the account was Blocked by the Fraud Division. I was not told why the new account was blocked, nor for how long. I was only told an Analysis did so, and there is a case opened. I made it very clear on this initial call, that there has only been two deposits since this account was opened for one week : One deposit {$500.00} from my personal checking account to fund the account initially, and the second, a cashier 's check issued by a creditable financial institution ( XXXX XXXX XXXX  ) so I can begin using it ( making XXXX  purchases ). Additionally, NO transactions have even occurred on this account as of this writing. I have made no purchases or used it yet. I asked for this to be escalated at that time. 
I called again XX/XX/XXXX and spoke to this same department and again provided NO reasonable explanation or causality to why my new business account has been blocked. Words like " new account '' and " large deposit '' were used between many calls I've made, as if guesswork to the persons attempting to help to why this account is blocked. 
If a block has been applied because it's a new account, this institution never informed prior to opening, nor contacted me at any point to inform me of such, and on its face is penalizing to new customers and against your claim that opening a business account will provide a lasting relationship ( poster in branch ). 
If the block has been applied because there was a large deposit, then 1 ) You already applied a " Funds Availability Delay '' of {$940.00} for these funds, which I am perfectly fine with and 2 ) is patently absurd given this " large deposit '' was single cashier 's check issued by a credible and large regional bank, XXXX XXXX XXXX. 
At this time however, no actual reason has been given to me. I am a new startup and I need to either have this account working or have it closed in a timely manner. This bank can choice, as I need a trusted financial entity to serve business needs.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
The debt collector listed have reported debt to my credit report without providing the legally required notices under the FDCPA. I have never received any written validation of the debts or proof of their right to collect. These actions have harmed my credit profile and caused undue stress. I am requesting validation of these debts, including proof of notice, tracking numbers, and legal agreements showing their right to collect. These derogatory accounts have lowered my credit score, making it difficult to access essential credit opportunities. The lack of proper communication has caused undue stress and confusion.

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: MA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds 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 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

XXXX has been and continues to report incorrect information on my credit report to all three credit reporting agencies. 

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

See my XXXX credit report document attached. 

If this is not a XXXX issue, why is XXXX still reporting on my credit reports ; as recent as XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX. 

There are a minimum of 8 items that need to be corrected on my credit report, XXXX is responsible for everyone of these items. If they are not fixed XXXX and XXXX, Transunion, XXXX are violating the FCRA. 

Item XXXX ) XXXX  reporting of account numbers are not the same between the CRAs. 
Item XXXX ) The last date reported in XX/XX/XXXX on two and XX/XX/XXXX on XXXX, XXXX has been reporting in the last month. 
Item XXXX ) Balance owed is wrong between agencies. The loan was at a {$0.00} approved in XX/XX/XXXX by department of education. 
Item XXXX ) If XXXX transferred the loans to XXXX the close date would be XX/XX/XXXX and the dates of on the credit reports from XXXX are XX/XX/XXXX and XX/XX/XXXX. 
Item XXXX ) Account not in dispute? This account has obviously been in dispute for years. 
Item XXXX ) Payment Status is not the same across the board how can I pay as agreed in XXXX CRAs and incorrectly late in another? 
Item XXXX ) Date of last payment is incorrect! My last payment was XX/XX/XXXX. See documentation. 
Item XXXX ) Two Year payment history incorrect. I was under the COVID-19 relief of payment per Department of Education and the CARES/HEROES Acts. No late payments since before XX/XX/XXXX. 

Fix my credit report asap!!! Since XXXX is still reporting on my activity they are responsible to fix my credit reports.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

XXXX has been and continues to report incorrect information on my credit report to all three credit reporting agencies. 

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

See my XXXX credit report document attached. 

If this is not a XXXX issue, why is XXXX still reporting on my credit reports ; as recent as XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX. 

There are a minimum of 8 items that need to be corrected on my credit report, XXXX is responsible for everyone of these items. If they are not fixed XXXX and XXXX, XXXX, Equifax are violating the FCRA. 

Item XXXX ) XXXX  reporting of account numbers are not the same between the CRAs. 
Item XXXX ) The last date reported in XX/XX/XXXX on two and XX/XX/XXXX on Equifax, XXXX has been reporting in the last month. 
Item XXXX ) Balance owed is wrong between agencies. The loan was at a {$0.00} approved in XX/XX/XXXX by department of education. 
Item XXXX ) If XXXX transferred the loans to XXXX the close date would be XX/XX/XXXX and the dates of on the credit reports from XXXX are XX/XX/XXXX and XX/XX/XXXX. 
Item XXXX ) Account not in dispute? This account has obviously been in dispute for years. 
Item XXXX ) Payment Status is not the same across the board how can I pay as agreed in two CRAs and incorrectly late in another? 
Item XXXX ) Date of last payment is incorrect! My last payment was XX/XX/XXXX. See documentation. 
Item XXXX ) Two Year payment history incorrect. I was under the COVID-19 relief of payment per Department of Education and the CARES/HEROES Acts. No late payments since before XX/XX/XXXX. 

Fix my credit report asap!!! Since XXXX is still reporting on my activity they are responsible to fix my credit reports.

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:
Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

XXXX has been and continues to report incorrect information on my credit report to all three credit reporting agencies. 

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

See my 3 credit report document attached. 

If this is not a XXXX issue, why is XXXX still reporting on my credit reports ; as recent as XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX. 

There are a minimum of 8 items that need to be corrected on my credit report, XXXX is responsible for everyone of these items. If they are not fixed XXXX and Experian, XXXX, XXXX are violating the FCRA. 

Item 1 ) XXXX  reporting of account numbers are not the same between the CRAs. 
Item 2 ) The last date reported in XX/XX/XXXX on two and XX/XX/XXXX on XXXX, XXXX has been reporting in the last month. 
Item 3 ) Balance owed is wrong between agencies. The loan was at a {$0.00} approved in XX/XX/XXXX by department of education. 
Item 4 ) If XXXX transferred the loans to XXXX the close date would be XX/XX/XXXX and the dates of on the credit reports from XXXX are XX/XX/XXXX and XX/XX/XXXX. 
Item 5 ) Account not in dispute? This account has obviously been in dispute for years. 
Item 6 ) Payment Status is not the same across the board how can I pay as agreed in two CRAs and incorrectly late in another? 
Item 7 ) Date of last payment is incorrect! My last payment was XX/XX/XXXX. See documentation. 
Item 8 ) Two Year payment history incorrect. I was under the COVID-19 relief of payment per Department of Education and the CARES/HEROES Acts. No late payments since before XX/XX/XXXX. 

Fix my credit report asap!!! Since XXXX is still reporting on my activity they are responsible to fix my credit reports.

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:
Zelle payment was sent to me and did not allow sender to verify my information. Called Zelle and was told that we would not get our money back.

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: TN

Complaint narrative:
Experian has failed tpo fulfill its legal obligation under the FCRA to donduct a reasnable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accpeting 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 accounts, as Experian 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: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My Experience with a {$2000.00} Scam Dear CFPB Im sharing my recent experience with a scam that cost me {$2000.00}, in the hope that it prevents others from falling into a similar trap. 

It all started when I began receiving persistent calls from an unknown number claiming to be from XXXX. They told me I had won a prize, and their pitch seemed convincing. They knew my name and details, which made it seem legitimate. The repeated calls made me believe that this might actually be my lucky break. 

They claimed that, to claim my prize, I needed to pay a {$2000.00} fee upfront to cover processing or administrative costs. Their explanations were polished and professional, and I didnt want to miss out on what they were offering. Trusting the process, I sent the payment via Zelle, as they requested. 

However, the moment the payment was sent, things started to unravel. The calls stopped, their responses to my follow-ups became vague, and eventually, they disappeared altogether. Realizing I had been scammed, I immediately contacted Zelle, but they informed me there was nothing they could do since payments made through their platform are irreversible. 

Looking back, I realize how expertly they preyed on my trust and excitement. I now understand the importance of being cautious, especially when unsolicited offers come with high-pressure tactics. Scammers often exploit our emotions to push us into making hasty decisions. 

To anyone reading this, please be wary of similar situations. Verify the legitimacy of any claims you receive, research the company or individual, and never send money without double-checking everything. Scammers are becoming increasingly sophisticated, and its better to be overly cautious than to lose your hard-earned money. 

Thank you for taking the time to read my story. If this helps someone avoid being scammed, it will make sharing this experience worthwhile.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I sent money through my Zelle account to purchase a resort stay in XXXX XXXX XXXX, it ultimately ended up being a scam and when I called Zelle and told them. They said they could not do anything about returning the money. I lost {$800.00} that day and had to just deal with that fact that there was nothing Zelle go do about it. I no longer have proof on this issue because they told me there was nothing they could do about the situation. I was beside myself and disappointed. At the time I was XXXX  XXXX XXXX  and was doing my best to get by. The trip was planned as a celebration of completing XXXX XXXX and finally getting XXXX  XXXX. Only for it to turn into a nightmare situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 concerns regarding Zelles handling of disputes, particularly in the light of of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle and reporting the discrepancy, my financial institution and Zelle failed to investigate my claim adequately. They informed the lost funds was impossible and tracking was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of 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 — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I faced financial hardship due to the COVID-19 pandemic, which temporarily impacted my ability to pay rent on time. I communicated with my landlord about my situation but was still evicted despite pandemic-related protections in place.

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