vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Dear Sir/Ma'am, I hope this letter finds you well. 
On XX/XX/XXXX, I requested American Express to formally dispute the charge of {$910.00} on my American Express account ending with XXXX related to a purchase of an international airline ticket from XXXX. The charge was made for a flight ticket purchased on XX/XX/XXXX, through the XXXX website for a flight from XXXX ( XXXX ) to XXXX  XXXX ( XXXX ) on XX/XX/XXXX, flight XXXX. 

My return flight with XXXX was delayed significantly by XXXX hours, but I received no prior notification about the delay, leaving me unprepared and causing significant disruption to my travel plans. I discovered the delay during my online check-in process. Despite being aware of the delay, XXXX failed to provide timely updates or any communication regarding the situation. 

As a result of this delay, I missed my connecting flight with XXXX XXXX from Washington XXXX ( XXXX ) to XXXX ( XXXX ), which I had already booked. Because of this, I was forced to purchase new tickets with XXXX XXXX for {$370.00} plus {$21.00} for travel insurance, totaling {$390.00}. 

Furthermore, I made multiple attempts to contact XXXX 's customer service, but each time I was either put on hold for extended periods or the call was abruptly disconnected, and I was unable to speak with a live agent for assistance. I also lost a full day 's pay from my employer due to the extended delay and having to adjust my work schedule. This added financial burden only further emphasizes the inconvenience and negative impact this experience has had on me. 

In addition to the flight delay, I contacted XXXX via phone and email on XX/XX/XXXX and XX/XX/XXXX, requesting reimbursement for the expenses I incurred. XXXX responded by offering a 20 % discount on a future flight to be purchased from their agent and not online, which I rejected as it did not address my current expenses. Also, I dont want to use their services in the future because they are not reliable, and international traveling is frustrating enough. 

Although providing all the documents to American Express to show that XXXX didn't honor their promised service and requesting a dispute for the charge and reimbursing me at least the expenses I have incurred during the XXXX significant delay of XXXX hours without a proper notification, American Express denied my request multiple times on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I believe that I should be reimbursed due to XXXX 's significant delay of XXXX hours with lack of notification, for a total of {$390.00} to be partially refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Experian Equifax and TransUnion has failed to fulfill it's legal obligation under the fair credit reporting act. Leaving inaccurate or unverified accounts unresolved. Cfpb has recently filed a lawsuit against the Experian. My report still haven't been corrected. This is causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove items. 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 non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Experian Equifax and TransUnion has failed to fulfill it's legal obligation under the fair credit reporting act. Leaving inaccurate or unverified accounts unresolved. Cfpb has recently filed a lawsuit against the Experian. My report still haven't been corrected. This is causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove items. Experian inaction violates federal law and my Rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
I have disputed this account several times. Just to get a un validated reply. Please send 1099c proof of charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handlings 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 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 2025-01-31 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: CA

Complaint narrative:
I am writing to dispute the inaccurate collection account reported by XXXX XXXX on my credit report. I have repeatedly requested proper validation of this debt and have provided all necessary documentation to support my claim. Despite my efforts, this account continues to be inaccurately reported by XXXX and Equifax, while XXXX has already removed it. 



Grounds for Dispute XXXX. Failure to Provide Proper Debt Validation : I requested a validation of this debt bearing my wet signature, as is my right under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In response, XXXX XXXX provided a leasing agreement that does not contain my signature. This does not meet the legal standard of proper validation and demonstrates that this debt is inaccurate and unverifiable. 

2. Inconsistent Reporting : XXXX has removed this account from my credit report after proper review, further confirming the inaccuracy and unreliability of this collection account. XXXX and XXXX continued reporting of this account is inconsistent with the evidence. 

XXXX. Failure to Investigate Dispute Properly : Both XXXX and Equifax are required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of disputed accounts. The failure to remove this unverifiable debt demonstrates a violation of this obligation.

Request for Immediate Action I respectfully request that XXXX and Equifax : Immediately remove the collection account from my credit report due to lack of proper validation and evidence of inaccuracy. 

Provide written confirmation of this removal. 


Supporting Documentation Attached : Copy of my debt validation request sent to XXXX XXXX. 

Copy of XXXX XXXX response, including the leasing agreement without my signature. 

Copy of my XXXX credit report showing the removal of the account. 


This dispute is urgent, as the continued inaccurate reporting of this debt is causing significant harm. Failure to address this matter promptly may result in further legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ). 


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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, BOA sent me the email which said they deleted my zelle account. At the same time my online banking access was blocked. I called BOA and they told me they will close my account for fraud risk and send my money to me by check. I updated my address through phone with customer service on XX/XX/year>, and the bank sent the check on XX/XX/year>. But the bank still sent the check to my last address. I can not get the check so I asked BOA to issue another check but the bank said I must wait up to 120 days until the check expired. I still can not get my money now

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 2025-01-31 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:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I have inquiries on my report that I didn't do on my transunion report I have XXXX  XXXX  on XX/XX/XXXX I have XXXX XXXX on XX/XX/XXXX I have XXXX  XXXX on XX/XX/XXXX I have XXXX XX/XX/XXXX I have XXXX XXXX XXXX XXXX  XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XXXX XX/XX/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 2025-01-31 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: IL

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 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I do not have a contract, nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I disputed charge to my card over service I received from a tech company. The service provided to me wasnt done well because the phone I got serviced broke within warranty timeframe. Went to service press told a manager would call me to resolve it. I never received a call. So I disputed it with XXXX because that is the card I used. XXXX gave me a credit 3 months go by and the charge was put back my statements I never received information on the investigation. Then I disputed again because something got to be done they put the charge back on my statements after another 3 months without any explanation. To me it seems as if they never tried to dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There Are Multiple Unauthorized Credit Inquires On My Credit Report I Submitted A Dispute, Police Report etc to the credit bureaus and requested removals And More Information have not herd responses.. I DID NOT AUTHORIZED NONE OF THESE INQUIRES I NEED THEM REMOVED IMMEDIATELY!!

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 2025-01-31 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX LEMAY PL XXXX XXXX, CA XXXX XXXX : XX/XX/year> SSN : XXXX DRIVER LICENSE NUMBER : XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I am writing to ensure that my personal information is accurately recorded in your system. Please see my details above for your reference. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I purchased a townhouse at XXXX XXXX XXXX XXXX XXXX, VA XXXX, in XX/XX/XXXX for {$460000.00} with a 3 % down payment. 

Currently, the estimated property value is : XXXX : {$640000.00} XXXX : {$630000.00} My mortgage balance is {$400000.00}, giving me approximately 35 % equity in the property. Since my equity has surpassed the 20 % threshold, I should no longer be required to pay Private Mortgage Insurance ( PMI ). 

Despite submitting multiple requests to my mortgage company since XX/XX/XXXX to remove PMI, they have not approved it. I offered private evaluations to be paid out of my pocket, but they were not accepting. Could you provide guidance on how to resolve this issue? 

Thank you!

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 2025-01-31 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: CA

Complaint narrative:
I am writing to formally file a complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) regulations, and XXXX XXXX guidelines. Equifax has unlawfully reinserted a previously deleted account, and I am requesting the deletion of this account from my credit report due to their non-compliance with federal law. 

The account in question, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was deleted from my credit report due to either its age or because it could not be verified. However, this account has since been reinserted onto my credit report. Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c ( b ) ), an account that has been deleted can not be reinserted unless it is properly verified and I am notified within 5 days of the reinsertion. To date, I have not received any such notification. 

Furthermore, XXXX XXXX guidelines state that reinserted accounts must comply with reporting standards and be verified as accurate. Equifax has failed to provide proof of verification for this account. 

I demand that this account be immediately deleted from my credit report, as it was reinserted without proper verification and in violation of my rights under the FCRA and XXXX XXXX guidelines. I also request written confirmation of the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: National Auto Lenders, Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately.

15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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.

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account/s and transactions.

15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
Duty A moral or legal obligation ; responsibility. 
Accurate Correct in all details ; exact. 
Prohibition A law or regulation forbids something. 
The reporting of this account as debt is inaccurate. 
15 usc 1681 s-2 says your company is a furnisher of information to a consumer reporting agency.

You are prohibited by law to furnish inaccurate information, I demand you to cease and desist reporting of incorrect/ and inaccurate information immediately to all three credit reporting agencies XXXX XXXX and XXXX XXXX 
15 usc 1681 s-2 ( a ) ( 1 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation