vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zwlle 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 but as also allowed repeat offenders to exploit the system, leaving users vulnable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
1. Delayed Processing : On XX/XX/year>, I used the XXXX app, which shows that {$50.00} was credited to my account. However, XXXX initially took {$50.00} out of my account before crediting it back. This sequence caused confusion in my available balance and led to financial strain. 
Similarly, with the XXXX app, I repaid {$50.00} on XX/XX/year>, but the app credited the funds back on XX/XX/year>, after deducting the repayment first. This inconsistent processing has impacted my ability to manage my funds effectively. 
On Saturday, XX/XX/year>, I ordered food through XXXX for {$19.00}. Today, Tuesday, XX/XX/year>, the transaction is still pending, even though the amount could have been reflected as early as Sunday or Monday. The delay in processing transactions, especially over weekends and holidays, creates confusion about my available balance and can result in overdraft fees. 
2. Overdraft Fees : When purchases show as pending, I assume the funds are deducted from my account. However, when transactions process days later, they can unexpectedly push my account into overdraft, as happened with the XXXX XXXX. 
Once my account goes negative, I am charged an overdraft fee of {$30.00}, and additional fees are applied every two days until I resolve the balance. Even though Ive worked to address these issues promptly, the ongoing fees are overwhelming. 

To resolve these issues, I have had to borrow money from others to cover negative balances caused by delayed transaction processing. This situation has been stressful and has made managing my finances unnecessarily complicated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my report, I noticed several discrepancies that need to be corrected. Below are the details of the accounts in question and the reasons for my dispute : XXXX XXXX Account Issue : The report indicates a charge-off of {$250.00}, but I paid this account in full before the charge-off date. The status should reflect " Paid in Full '' rather than " Potentially Negative. '' Requested Correction : Update the status to reflect the accurate payment history and remove the negative designation. 
XXXX  Account ( Date Opened : XX/XX/XXXXXXXX  ) Issue : This account shows as open and {$1300.00} past due, but the account opening date is listed as XX/XX/XXXX, which is incorrect. It is impossible for this account to have been opened in the future. 
Requested Correction : Verify the correct opening date for this account and remove any inaccurate past-due balance if the account is improperly reported. 
XXXXXXXX XXXX XXXXXXXX Account Issue : The account reflects a charge-off of {$710.00}, but I never opened an account with XXXXXXXX XXXX. This appears to be a case of mistaken identity or fraudulent reporting. 
Requested Correction : Remove this account entirely from my credit report as it is not mine. 
I have attached copies of supporting documents, including proof of payment and identification, to assist with your investigation. Please conduct a thorough review of these accounts and correct any inaccuracies. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days. Please provide me with a written response outlining the results of your investigation and an updated copy of my credit report once the corrections have been made. 
Thank you for your prompt attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah, XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my report, I noticed several discrepancies that need to be corrected. Below are the details of the accounts in question and the reasons for my dispute : XXXX XXXX Account Issue : The report indicates a charge-off of {$250.00}, but I paid this account in full before the charge-off date. The status should reflect " Paid in Full '' rather than " Potentially Negative. '' Requested Correction : Update the status to reflect the accurate payment history and remove the negative designation. 
XXXX  Account ( Date Opened : XX/XX/XXXX ) Issue : This account shows as open and {$1300.00} past due, but the account opening date is listed as XX/XX/XXXX, which is incorrect. It is impossible for this account to have been opened in the future. 
Requested Correction : Verify the correct opening date for this account and remove any inaccurate past-due balance if the account is improperly reported. 
XXXXXXXX XXXX XXXX  Account Issue : The account reflects a charge-off of {$710.00}, but I never opened an account with XXXXXXXX XXXX. This appears to be a case of mistaken identity or fraudulent reporting. 
Requested Correction : Remove this account entirely from my credit report as it is not mine. 
I have attached copies of supporting documents, including proof of payment and identification, to assist with your investigation. Please conduct a thorough review of these accounts and correct any inaccuracies. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days. Please provide me with a written response outlining the results of your investigation and an updated copy of my credit report once the corrections have been made. 
Thank you for your prompt attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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'm 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 Instition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Unfortunately, I have fallen victim to identity theft, as unauthorized individuals have gained access to my personal information, compromising my security and resulting in fraudulent activities being conducted under my name. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private XX/XX/XXXXXXXX   ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX on XX/XX/XXXX under the account number ( XXXX ) with a balance of {$1100.00}, XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) auto loan accounts opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX XXXX ) with a balance of {$36000.00}, and XXXX XXXX XXXX under the account number ( XXXX ) a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and XXXX XXXX XXXX under the account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX  on XX/XX/XXXX under the account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number XXXX ) a collections account with XXXX XXXX XXXX on XX/XX/XXXX account number ( XXXX ) and a Checking/Saving account at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX XXXX that appears. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report XXXX XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and XXXX private ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
Federal Student Aid offered buyback application for those of us who would have fulfilled our 120 payments while on SAVE forbearance. The two months that I have left were calculated to a payment of over {$1900.00} which is astronomically higher than my payment would be on an income-based plan. These buyback calculations need to be transparent.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-21 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:
On XX/XX/XXXX I filled a dispute on XXXX XXXX XXXX and XXXX  XXXX account number XXXX  due to FRCA section 605B which it is illegal to publish anything on my credit report with out my permission which I did not give Experian. Experian did not publish any proof of these accounts to me and yet they came back saying the accounts were correct and they weren't going to fix them. I was recently notifies that the CFPB has filed a lawsuit against the company Experian. The lawsuit alleges that the company is accepting unreliable information, failure to notify consumer of dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I am requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a new car. Experian violates my rights as a consumer, as we as federal laws.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
By providing the Fair credit report act I am demanding these items to be investigated and removed from my credit report please remove any information that is the creditor can not verify I understand under the {$15.00} USC section 1681 XXXX  you must complete investigation within 30 days in the receipt of this letter thank you for your time help this matter sincerely XXXX XXXX okay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: WA

Complaint narrative:
i have discovered a fraudulent account on my report from XXXX XXXX XXXXXXXX XXXX  with the account number XXXX, opened on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am being contacted by a debt collector with whom I have no prior agreement or credit relationship. I have sent two certified letters requesting proof of a contractual agreement between the debt collector and myself, as well as proof of their legal right to process and use my personal information. Both times, they have not responded, which does not satisfy my request for validation. 

I have also contacted the original creditor twice regarding this matter and have not received any response. The accounts in question were removed by the original creditor as a charge-off. Additionally, I requested a Form 1099-C from the original creditor for any canceled debt, but I have not received this document. 

I am requesting the CFPBs assistance in resolving this matter, as my attempts to obtain proper validation and documentation have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent the credit bureaus a dispute for debt verification over a year ago ; I repeated this action a couple of times. I received no response. However, on XX/XX/year>, someone came to my door and handed me some papers stating I had been sued. My home was illegally sold in Florida, and everything in the house was taken, including all personal paperwork and bills. This was done intentionally. How can I be sued when I had no proof of this debt until they came to my home? They could have sent me a debt verification letter when I asked online. I feel this paperwork is incorrect, and this collection agency is abusing its power due to my request for a debt verification letter. However, they started harassing me when I began looking for another home to purchase. I feel like this agency is involved in illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted the company today to attempt to discuss the details on my account and was told but a senior lead agent that there was a cease and desist placed on my account and unless I authorized her to remove it we could not discuss my accounts. I explained to her that my requested was no collection calls or text messages. I was told multiple times she could not discuss my account unless I permitted calls and text messages to my phone number. I explained that I was attempting to pay my debt the agent refused my payment again stating that with the cease and desist on my account I could not pay or discuss my accounts. I was previously told that because I filed a complaint with cfpb my payment options would be limited as a result as if filing the complaint comes with a penalty which is unfair practice. Why wouldn't I have the same opportunities as other customers? Why are their penalties for complaints? It's as though they are attempting to bully me into allowing collection calls and text in order to resolve or discuss my account. I have recorded the conversation but am unable to attach to my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
im writting this to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using zelle numerous of times and reporting discrepancies, my financial institution failed to investigate my claims edequately.They informed me that recovering lost funds was impossible and that trackin these transactions was infeasible .The CFPBs finding indicates that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concern about the consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report , and a prior Validation of Debt letter.

Company response to consumer: Closed with explanation