vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: NY

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Part 1 of Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian Lega

l Dept. , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFBP include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These hard inquiries were fraudulently made on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 5times ), XXXX ( 2 times ), XXXX XXXX ( 3 times ), XXXX XXXX XXXX XXXX XXXX  ( 2 times ) . As well as several closed accounts that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as several closed accounts that fraudulently opened : 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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These hard inquiries were fraudulently made on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 5times ), XXXX ( 2 times ), XXXX XXXX ( 3 times ), and XXXX XXXX XXXX XXXX ( 2 times ) . As well as several closed accounts that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  As well as several closed accounts that fraudulently opened : 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 non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My dog was seen at this XXXX XXXX  on XX/XX/year>. Upon here being examined by the docter she was admitted there for a 24 hr stay. As you see I've attached a copy of my dogs kennel sheet, which would show what her diagnosis was and the medications she would have recieved if she hadn't died within the first 10 hours of her stay. As you can see on her kennel sheet she only recieved 6 medications of the 14 she should have recieved if she hadn't of passed, but they billed us for the full 24 hours. We did not recieve the other 8 medications nor the emergency care for the full 24 hour stay they initially billed us for, so we are requesting a refund of {$560.00}. We have tried to settle this with Care Credit but they have not been of no help. Please help us resolve this because we did not recieve the services they billed us for. Thanks

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am writing to dispute a tradeline on my credit report that I believe to be inaccurate and does not belong to me. The details of the tradeline are as follows : Creditor Name XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$4300.00} I request that you provide proof that this debt is mine. Specifically, I ask that you supply the original signed document ( s ) bearing my signature or any other appropriate evidence that legally associates me with this debt. If you are unable to provide such proof, I request that you immediately remove this tradeline from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to a fair and accurate credit report. Section 1681i ( a ) of the FCRA requires that if information on a credit report is disputed, the credit reporting agency must investigate the matter and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Since the account in question is not mine, I am requesting that you comply with the law and remove this erroneous information from my credit file.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am entitled to request validation of a debt. I request that you provide the original signed document ( s ) or other evidence proving that I am legally responsible for this debt. If you are unable to provide such evidence, this debt must be considered invalid, and the tradeline should be removed from my credit report.

In my previous dispute attempts with the credit bureaus, I used the following dispute codes to try to resolve this issue : Code 1 : " Not My Account '' ( Fraudulent or Identity Theft ) Code 2 : " Inaccurate Information '' ( Account was mistakenly reported under my name ) Code 3 : " No Signature '' ( Request for original signed documentation or contract ) Despite these attempts, the account remains inaccurately listed, which is negatively impacting my credit score. As I have not been provided with any valid documentation proving my responsibility for this debt, I request that the incorrect tradeline be immediately removed from my credit report in compliance with the aforementioned laws.

If the requested documentation can not be provided, I insist that this incorrect tradeline be removed from my credit report without further delay.

Please respond promptly with your findings and any necessary actions taken to resolve this matter, as required under the FCRA and FDCPA.

Thank you for your immediate attention to this issue.

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 2025-03-02 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: NV

Complaint narrative:
Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/year> : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX XXXX. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. In light of the CFPB lawsuit filed against Experian o
n XX/XX/year>, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response via mail.

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 2025-03-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Customer Service Department Experian Information Solutions , Inc . 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Sir/Madam, Re : Formal Complaint Regarding Experian Lawsuit I am writing to express my concern regarding the recent lawsuit against Experian. I have been a customer of your services for a considerable period, and I was alarmed upon learning that Experian is currently facing legal action due to potential mishandling of consumer data. 

As a company that prides itself on providing reliable credit reporting services, I trusted Experian to safeguard my personal and financial information. The news of a lawsuit raises significant concerns about the security of my data, and I am seeking clarification on the measures that Experian is taking to protect its customers in light of these legal proceedings. 

I am requesting the following : A detailed explanation of the nature of the lawsuit and how it may affect customers like myself.

Information about the steps Experian is taking to resolve this matter and prevent similar issues in the future. 
A clear outline of how my personal information has been safeguarded throughout this process. 
I expect to receive a timely response to address these concerns. As a customer, I have a right to feel confident in the security and integrity of the services you provide. 

Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely, 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 2025-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: WA

Complaint narrative:
I am filing a complaint regarding my mortgage servicers failure to remove lender-placed ( force-placed ) insurance from my escrow account, despite multiple confirmations that I have valid property insurance. 

For over XXXX months, I have spent numerous hours working with the companys call center specialists, including XXXX XXXX XXXX, to repeatedly provide proof that my existing insurance policy meets all mortgage requirements. On XXXX separate occasions, I was assured that my documentation was verified and that the system would update accordingly. However, after weeks with no change, I followed up againonly to be told that I had to restart the verification process. 

As a result of the companys failure to properly process my documentation, my latest mortgage payment now includes an increased escrow amount due to an unnecessary and redundant insurance charge. I have attempted to resolve this issue multiple times, but there have been delays, lack of continuity between representatives, and no response to my most recent inquiries. 

I am requesting that the CFPB intervene to ensure the lender-placed insurance is removed, my escrow balance is corrected, and that I receive a clear resolution so I can proceed with my mortgage payment without unjustified charges. 

I appreciate your attention to this matter and look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I believe the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits practices such as [ list violations, such as improper communication, harassment, failure to validate debt, etc. ]. Specifically, the issues I am experiencing include : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
When I received my XXXX  statement from Bank of America ( BoA ) on XX/XX/XXXX, there was a charge from XXXX for {$7400.00}, which I later learned was for two courtside tickets to a XXXX XXXX  basketball game that took place in XXXX on XX/XX/XXXX. I immediately started a fraud claim with BoA. BoA temporarily credited my account for {$7400.00} while they investigated my claim. A new credit card was issued at this time. My credit accounts were frozen and I changed all email and banking passwords. 

On XX/XX/XXXX my claim was denied. BoA claims that XXXX has " proof '' that the tickets were purchased from my email address. I contacted XXXX asking for a receipt of purchase, copies of the tickets, and the email address that the tickets were supposedly forwarded to. XXXX stated they would be happy to answer my questions when they received a formal complaint from my bank.

I have since been in contact with BoA on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have gone to BoA in person and have contacted their Fraud Department via phone. I have provided proof that I was in the XXXX region both on the date the tickets were purchased and the date of the event. 

BoA is still denying my fraud claim at this time.

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 monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a sears Mastercard and received a letter in the mail saying it was going to be changing. It said to keep using the card I had until then. Said they would be mailing the new cards out in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>. My card expired on XX/XX/year> and they never sent me another card. I called them today and they said my account has been closed that I would have to reapply for a card. I informed them of the letter I received in the mail and they said I would not be getting that card any longer. I have attached the letter they mailed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
Date of Incident : XX/XX/year> Company Involved : Discover Bank Account Number : XXXX Original Balance in Dispute : {$1800.00} Current Balance : {$2400.00} I am filing this complaint regarding an issue with my account balance and its reporting on my credit file by Discover Bank. As of XX/XX/year>, my account ( Account Number : XXXX ) reflects a current balance of {$2400.00}, which originated from an initial balance of {$1800.00}. I believe this account contains errors and does not accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: VA

Complaint narrative:
Asked Equifax to Provide a copy of the original promissory note for the student loan on XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and misleading reporting on my credit report regarding the account listed below. The way this account is being reported violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Fair Credit Billing Act ( FCBA ). 
Account Information Creditor Name : Experian Account Number : XXXX Date Opened : XX/XX/year> Current Status : Closed / Charge-Off Account Type : Auto Loan

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 2025-03-02 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: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of : 1. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX  ) 2. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 3. Permissible Purpose : 15 USC 1681b 4. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 5. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 6. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX XXXX : # XXXX : Date Fraud Begun : XX/XX/year> I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and XXXX  state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

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 2025-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Date of Incident : XX/XX/year> Company Involved : Curacao Balance in Dispute : {$4000.00} Charged-Off Amount : {$1700.00} I am filing this complaint regarding an issue with my account balance and credit reporting with Curacao. As of XX/XX/year>, my account reflects a balance of {$4000.00}, with {$1700.00} listed as a charge-off. I believe there are errors in the handling of my account, and I am disputing these amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute my federal student loan obligations through loan servicer Aidvantage due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed to protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

Breach of Contract : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data.

Company response to consumer: Closed with explanation