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: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: TX

Complaint narrative:
on XX/XX/XXXX at XXXX i reached out to GLS to ask why my current balance went from my normal payment amount of {$570.00} to almost {$3500.00}. the customer service agent stated that because my account has matured, all the extensions i received over the term have combined into one lump sum causing my total balance to show past due and due immediately. i explained that i did not have the funds and what my options were. CSR said that as long as i made consistent payments every 30 days i would be ok. i asked if i was subject to repossession and they again confirmed that with payments made consistently i should be fine. i asked how long i had to pay off that balance and CRS stated 120 days. I followed the instructions and made payments every 30 days, XX/XX/XXXX {$800.00}, XX/XX/XXXX {$600.00}, XX/XX/XXXX {$600.00}. 
on XX/XX/XXXX my vehicle was repossessed for 60 days non-payment. i called GLS and paid {$2000.00} to have my vehicle released back to me. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX to pick up my vehicle. 
on XX/XX/XXXX XXXX I reached out to GLS asking for remaining balance and proof of payment to release my title ( which GLS has yet to respond or provide ) and the CSR stated that due to my vehicle being repossessed they would not be able to handle my request and i would need to be transferred to the recovery department. i explained that i was in possession of my vehicle and the CSR did not realize that i'd recovered it. He emailed me a report showing all payments made to date and stated they would update my account. 
on XX/XX/XXXX i received an alert from my credit monitoring that GLS had reported my account delinquent and derogatory with a status of Repossession. 
On XX/XX/XXXX at XXXX i called GLS to pay the reported delinquent amount of {$380.00} and request account to be updated with correct information. CSR stated that the account would be updated by XX/XX/XXXX. it was not updated. 
on XX/XX/XXXX i submitted a dispute with XXXX, XXXX and XXXX. The results completed show that GLS is stating the account information is ACCURATE.

This incorrect information is postponing approval on purchases, a hardship to my financial wellbeing, undue stress and affecting my mental health.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just checked my credit for the first time and i have inquiries that do not belong to me. I have been a victim of identity theft 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 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I used XXXX  to transfer funds and it didn't go to correct person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
this Nordstrom account was opened without my knowledge or permission.

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: DC

Complaint narrative:
XXXX XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION LLC Consumer Dispute Center 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$12000.00} XXXX  XXXX XXXX XXXX XXXXXXXX - {$3100.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX  - XXXX - {$31000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX {$15.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : 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.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My complaint is regarding multiple overdraft fees I have incurred through Navy Federal Credit Union. Due to the lagged posting of charges and credits I received several overdraft fees.This aligns with the recent findings by CFPB against Navy Federal for similar practices. I request an investigation in the account due to the unfair practices.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to reveal his legal obligation of the affair. Credit report act to conduct a reasonable re-investigation disputed information on my credit report. Leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging, systematic issues such as failing to forward consumer provided evidence to furnishers, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed expert disputed items despite the evidence I have provided, Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction, violates federal law and my right 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing inaccurate personal information currently being reported by Equifax. The incorrect information includes names, addresses, and employment details that do not belong to me. These inaccuracies are causing confusion and potential harm to my credit profile. Despite disputing these inaccuracies, Equifax has failed to correct or remove the incorrect information, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

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 fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Again, I am requesting to remove the fraud alert to my file.

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:
XX/XX/XXXX XXXX {$500.00} was taken XX/XX/XXXX {$300.00} was taken XX/XX/XXXX {$780.00} was taken XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} taken twice XX/XX/XXXX {$2000.00} was taken. 

All transactions were done over Zelle through my XXXX XXXX account. After calling XXXX the first time I was told they would cancel it, I called on the XXXX after another transaction hit and was told there was nothing I can do about it. I found the person online whose name appears and they also are having the same issue. They are locked out of there bank and are getting text anout there transactions. I had to end up closing my account with XXXX  and submitted a complaint to there corporate office and have not heard back from them. XXXX  was notified as well. This is a scam that Im not sure how banking institutions allow this.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach.Other reviewing my credit reports I notice some accounts I am not familiar with.l have asked the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed I have submitted a FTC complaint reporting the information i am not familiar with Please find attached a copy of id the FTC complaint and copy of my XXXX report showing my information being exposed in a national databreach and Validation of debt letter.

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: TN

Complaint narrative:
Experian has failed to fulfillits 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. I reported these accounts XX/XX/year> and they were immediately denied.

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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling 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 2025-01-15 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: NV

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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: OH

Complaint narrative:
I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I have disputed the same accounts to no avail, and they still refused to provide proof of GAP Insurance paying them, or proof of them selling the car since it was returned. I never gave them authorization to use my identity to send the account to collections. I need these accounts 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 non-monetary relief
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: EQUIFAX, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I have disputed the same accounts to no avail, and they still refused to provide proof of GAP Insurance paying them, or proof of them selling the car since it was returned. I never gave them authorization to use my identity to send the account to collections. I need these accounts removed immediately!!!

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They reported my account as missing payment and past due when I recieved a letter telling me it was due XXXX on XXXX. Then on XXXX they sent me a notice saying my payments were due on XXXX and that my payments were XXXX  days late on XXXX of my loans.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They reported my account as missing payment and past due when I recieved a letter telling me it was due XXXX on XXXX. Then on XXXX they sent me a notice saying my payments were due on XXXX and that my payments were XXXX  days late on XXXX of my loans.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They reported my account as missing payment and past due when I recieved a letter telling me it was due XXXX on XXXX. Then on XXXX they sent me a notice saying my payments were due on XXXX and that my payments were XXXX  days late on XXXX of my loans.

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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit report Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified account unresolved. The consumer financial protection bureau. ( CFBP ) has recently filed a lawsuit against Experian, alleging systemic issues like failing to forward consumer - provided evidence to furnish accepting unreliable responses and failing to adequately provide consumers of disputes outcomes. These failures alligen with my experience. We experience has neither Corrected or removed disputed items despite the evidence I provide causing ongoing harm to my credit standing I am requesting immediate to remove or amend the disputed account as Experians in actions, violate federal law and my right 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Im requesting a claim for my zelle being misuse and abuse and not informing me of all the risk and scams that can happen/ has happened

Company response to consumer: Closed with explanation