vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
This credit card is a XXXX card to purchase XXXX gas. It is issued by the First National Bank of Omaha. I have had this credit card for many years and prefer to use it when purchasing gas. By letter of XXXX XXXX, XXXX, there will now be a {$1.00} fee each time a paper billing statement is mailed to me. I am " older ( XXXX ) and do not pay any of my bills online or have any automatic payment. I write checks for all of my bills and pay everything on time -- never later. I talked with XXXX at XXXX regarding this extra fee. I believe it discriminates against older people who do not use online methods for paying bills. She put me on hold XXXX  to check, but indicated nothing could be done. I talked with the XXXX XXXX XXXX XXXX XXXX XXXX since that entity oversees national banks and was referred here to file the complaint. The address for the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. I think this fee should be waived for older people. Should you not pay the fee, then the interest rate has been raised to 33.24 % ( very high ). I would prefer to continue using this XXXX XXXX  card, but I truly believe it is discrimination against older people to charge the {$1.00} fee for a paper statement. This is the only credit card which charges this additional fee.

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 2025-02-28 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 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 2025-02-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Legal Group, P.C.
State: PA

Complaint narrative:
In XX/XX/year>, I enrolled in program with Consumer Legal Group ( CLG ), paying a total of {$5700.00} for their services. I was promised that CLG would handle communication with my creditors, work to reduce my debt, and provide a clear plan to resolve my financial situation.

However, despite making the payment of {$5700.00}, I have not received any meaningful services. CLG did not fulfill their obligations, and I have been unable to get any updates or transparency regarding how my payments were being applied. I have been contacted by debt collectors despite having paid CLG, and I can not access the client portal to check where my money is going.

I requested to cancel the contract and have made repeated requests for a refund, but I have not received a satisfactory response. CLG has delayed processing my refund, and after several calls and emails, they have denied my refund request. I have been told that the decision to deny my refund remains, but no clear reasoning has been provided. 

I have reached out to XXXX XXXX, the attorney at CLG, who initially discussed the possibility of a refund, but no action has been taken. Despite my repeated attempts to resolve the issue, CLG has failed to take responsibility and process my refund.

I am requesting that CLG immediately process my refund for the full amount of {$5700.00} since they have not provided the services promised, and the situation has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: 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 2025-02-28 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.

Complaint narrative:
I am in the process of buying a home. When my loan officer pulled my credit report, a CITI bank card belonging to my ex-husband is appearing on my XXXX account as a defaulted and settled credit card, messing up my debt to income ratio, therefor effecting my loan approval. My loan officer reached out to my ex husband who then in turn, contacted CITI customer service. They stated they would send a letter, with a reference number, proving that the debt was not mine. This was on XX/XX/XXXX. As of yesterday, XX/XX/XXXX, my ex husband had not received the letter. He called again and another customer service rep revealed the letter was never sent and that they would not relay the information over phone, email or fax. This has severely altered my home buying process which could in fact leave me homeless and they do not care and have to my knowledge, not sent any documentation proving the letter is sent.

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 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I attempted to use a Capital One pre-approval to finance a vehicle from XXXX XXXX. However, Capital One later confirmed that no pre-approval was found under my name, meaning the dealership applied for financing on my behalf without my consent. 

The dealership misrepresented the loan terms and did not disclose the accurate APR before finalizing the contract. When I contacted Capital One to dispute this, they refused to investigate or adjust my APR, despite the dealerships fraudulent actions. 

I am requesting that Capital One review this loan for unauthorized financing, investigate the dealerships practices, and adjust my APR or allow me to refinance under fair terms. 

If no resolution is provided, I will escalate this complaint to the XXXX Attorney Generals Office and the Federal Trade Commission ( FTC ). 

This keeps it short, factual, and direct, while making it clear you expect action. Let me know if you need changes before submitting!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
This inquiry was not approved by me. I have had no discussions with this lender on the mentioned date.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed this account on XXXX because I was under the impression that the account was CLOSED on a recorded phone call and was told that the dealership would was told to return the check immediately, but later found out the bank rep, coerced the dealer at the dealership to do otherwise. In which case has caused me and my business financial hardship

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed this account on XXXX because I was under the impression that the account was CLOSED on a recorded phone call and was told that the dealership would was told to return the check immediately, but later found out the bank rep, coerced the dealer at the dealership to do otherwise. In which case has caused me and my business financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XX/XX/XXXX DC XXXX Subject : Debt Validation Complaint Against Midland Credit Regarding Assignment Contract ( XX/XX/XXXX ) Dear Sir/Madam, I am writing to formally request an investigation into Midland Credit 's handling of a debt they claim I owe, allegedly assigned to them. Given the legal precedent set by XXXX vs. XXXX, I believe Midland Credit has failed to establish a valid right to collect this debt, and I request immediate verification under the Fair Debt Collection Practices Act ( FDCPA ). 

Complaint Details : Midland Credit has not provided legally sufficient documentation validating the debt. 
They have failed to produce a valid assignment contract proving their ownership or right to collect on this alleged debt. 
The precedent set by XXXX vs. XXXX suggests that improper assignment or lack of proper chain of title can invalidate collection efforts, and I believe this applies in my case. 
Requested Resolution : I request that Midland Credit provide : A complete debt validation package, including the original agreement and a full payment history. 
A copy of the assignment contract proving their legal right to collect the debt. 
Any documentation proving compliance with XXXX vs. XXXX in their collection attempts. 
If they can not provide this documentation, I request that the CFPB take action to prevent further collection efforts and remove any related negative reporting from my credit file. 

Please investigate this matter promptly and ensure that Midland Credit complies with all applicable laws and legal precedents. I appreciate your attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors have violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
Chexsystems failed to block the fraudulent items I reported within 4 days of receipt. To resolve this matter fairly and expeditiously, I request that Chexsystems take the following actions : block the fraudulent items from my credit report as mandated by FCRA 605B ; conduct a comprehensive reinvestigation of all disputed accounts in accordance with FCRA 611 ; provide detailed documentation of the verification process, including the identity of all furnishers or third-party entities consulted ; and confirm whether the Federal Trade Commission ( FTC ) was contacted regarding my submitted identity theft affidavit. Please provide a written response confirming compliance with these requests within 4 days of receipt of this letter. These fraudulent accounts include an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I demand that these items be removed from my consumer credit report within 4 days of reciept pursuant to my rights within the FCRA and FDCPA laws. The unauthorized inquiries include 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 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

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 2025-02-28 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XX/XX/year> I received a letter from credit management company saying amount due {$940.00} Offer amount {$660.00} with no account number. 
I told them that is not mine I asked for purchase agreement and they just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial 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 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 inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-28 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: MA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief