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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I created a savings account with Capital One under the impression that I would be receiving a high yield on any amount of money that I deposited into the account. Capital One advertises that their savings account, Capital One 360, is a high-yield savings account and I would be receiving 4.35 % interest on the money I put into my account. But instead, it was found that Capital One froze its rate at a low level ( 0.3 % ) for at least several years, even as rates rose nationally. At the same time, the bank created " 360 Performance Savings, '' which had a much higher rate and did not notify customers about this higher rate option.

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: Freedom Mortgage Company
State: PA

Complaint narrative:
Issue Type : Mortgage Credit Reporting and Servicing Explanation : I am filing this complaint regarding an inaccurate 30-day delinquency reported by Freedom Mortgage Corporation for XX/XX/XXXX. The delinquency was caused by a confirmed banking error from my financial institution, XXXX XXXX, which delayed my payment. Despite providing documentation from XXXX Bank that clearly acknowledges their responsibility for the error, Freedom Mortgage has refused to amend the derogatory credit reporting. 

Details of the Issue : My payment for XX/XX/XXXX, was processed by XXXX XXXX through their bill pay system. Due to a technical error on their end, the payment was delayed and not received by Freedom Mortgage until XX/XX/XXXX. 
XXXX XXXX  has issued a letter acknowledging the error and confirming that funds were available and intended to pay the mortgage on time. This letter was provided to Freedom Mortgage on XX/XX/XXXX. 
Freedom Mortgage rejected my request to amend the credit report, citing that XXXX XXXX  is an " unauthorized third party '' and claiming they are unable to honor such requests under the Fair Credit Reporting Act ( FCRA ). 
I have attached the letter from XXXX XXXX, my payment history, and any relevant supporting documentation to demonstrate that the delinquency is not due to my actions or negligence.

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

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having a sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges a credits. This XXXX aligns with the recent CFPB findings against navy federal or 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: 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 handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 CFPBs 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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report, which I believe to be fraudulent. 
In accordance with the Fair Credit Reporting Act, I assert that the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These items listed above have violated my rights as outlined in 15 U.S.C. 1681, Section 602 A, which grants me the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include any adverse items on a consumer report if they predate the report by more than seven years.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) specifies that no information can be furnished to a consumer reporting agency if the person knows, or has reasonable cause to believe, that the information is inaccurate. 
I have NEVER opened or used the following account numbers, and I request that all information related to these accounts be removed immediately : Bank : XXXX XXXX Incident Date : XX/XX/year> Contribution Ref # : XXXX Account # : XXXX ABA Number # : XXXX Additionally, I do not recognize the following inquiries that appear on my report. I am a victim of identity theft, and I do not recognize the following inquiries. I request that the following inquiries be removed from my Early Warning Services consumer report immediately :

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: TX

Complaint narrative:
Ive been a victim of identity theft these accounts need to be removed from my reports this error is affecting my life tremendously

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX there were four pending charges from a company called XXXX, who is a payment partner with a company called XXXX. there were three charges in the amounts of {$100.00} and one was for {$5.00}, totaling {$300.00}. The debt collector InDebted has an outstanding balance of {$320.00}, which includes aThe debt collector indebted has an outstanding balance of {$320.00}, which includes a {$20.00} late fee. I immediately called my XXXX XXXX bank regarding my checking account. They did an inquiry and said it was some gambling racket. they declined the charges and reversed the pending charges on my bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from the debt collection agency, InDebted And I am trying to resolve it as quickly as possible.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently tried to review a copy of my credit score. And Experian isnt allowing me it keeps giving me an error message of we cant show you todays 3-bureau report. Ive tried contacting customer support multiple times. Ive paid XXXX to view my score. They took the money but still will not let me view my score and denied me a refund.

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: NJ

Complaint narrative:
I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 the claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate tat 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent a XXXX transfer and it was not sent to the correct place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
They have asked for more time to investigate but meanwhile they are negatively reporting to the credit bureau! They are reporting Ive missed a payment now. I cant make a payment on an account they cut off my access to! Im mad!

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: LoanCare, LLC
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : LOANCARE

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serous concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We applied for a loan modification with our current servicer Shellpoint. On XX/XX/XXXX, Shellpoint denied a loan modification application without providing specific reasons or the required Net Present Value ( NPV ) calculation, violating 12 C.F.R. 1024.41 ( d ). The denial letter failed to disclose the actual debt-to-income ratio used or other pertinent information needed to effectively appeal the decision. A Notice of Error/Appeal Letter we will be mailing out is attached here. 

Furthermore, it's important to note that the root cause of our current financial situation stems from Shellpoint 's negligent misrepresentation regarding certain payment reversals in XXXX. This issue is explained in greater detail in the attached explanation, but in summary : A {$100000.00} payment made in XX/XX/XXXX was reversed without proper notification. 
Shellpoint representatives repeatedly assured that the payment had been received and would be applied, despite it having been reversed. 
This misinformation persisted for nearly 4 months, from XX/XX/XXXX to XX/XX/XXXX. 
By the time Shellpoint confirmed the reversal, they refused to accept regular monthly payments without first paying the outstanding balance. 
Shellpoint 's actions constitute negligent misrepresentation, as they made false statements about the payment status without reasonable grounds for believing them to be true. This misinformation caused significant financial harm and prevented timely action to address the situation. 

I am now appealing this denial and requesting that Shellpoint provide the specific reasons for the denial, including the debt-to-income ratio used, investor requirements, and NPV calculation, as required by regulations. Additionally, I am seeking rectification of the damages caused by their negligent misrepresentation regarding the XX/XX/XXXX payments.

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: CA

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 2025-01-15 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: DISCOVER BANK
State: PA

Complaint narrative:
I found out last year, approximately around XX/XX/year>, that there was jobs from XXXX and XXXX that I have never been employed with or paid by. It has that I received money and didn't pay taxes. I made a police report because my identity was stolen. I don't have credit cards and under my name is a lot of companies. My information also has been leaked during numerous data breaches from a few places. My old doctor office in XXXX pa XXXX, called XXXX XXXX  XXXX XXXX. It also happened from places doing background checks on me for employment. It also happened from XXXX XXXX I've now been sued, in so much debt and the people calling me to try and collect payment and they haven't been any help. The companies where these breaches have leaked my information haven't offered any assistance. I heard about when our information is leaked during data breaches, that we are supposed to have everything removed from our credit report within 30 days. I can't get any help. Are you able to please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover closed my credit card account, which was the oldest credit account on my credit report, without my knowledge or consent. They say that they notified me by sending one letter by mail with instructions to prevent closure in XX/XX/year>. I never received this letter, most likely due to me moving states from XXXX XXXX XXXX around this time. I didn't know this account was closed until I went to check if I could change the type of card I had. It was originally a student account, which I wasn't using because it didn't provide relevant rewards/cash back to me anymore now that I'm in a different stage of life, and I like to keep my total utilization low relative to my credit limits across all accounts.

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: EdFinancial Services
State: NC

Complaint narrative:
I am writing in response to the EdFinancial Customer Resolutions Unit letter dated XX/XX/XXXX, regarding the delinquent credit reporting for my student loan account. I am providing additional documentation to support my request for a re-evaluation of the negative credit entries reported from XX/XX/XXXX through XX/XX/XXXX. I also request that this review apply to any other account with their institution that may contain similar negative information. 

Attached, they will find proof that my household received Supplemental Nutrition Assistance Program ( SNAP ) benefits during certain periods of the reported delinquencies. Specifically, I have attached : 1. A notice from XXXX XXXX XXXX confirming my households eligibility for SNAP benefits from XX/XX/XXXX to XX/XX/XXXX. 
2. A second notice verifying eligibility for SNAP benefits from XX/XX/XXXX to XX/XX/XXXX. 

These documents demonstrate my qualification for a deferment due to receiving public assistance as outlined in their response.

Company response to consumer: Closed with explanation