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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am a XX/XX/XXXX and XX/XX/XXXX. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX has failed to fulfill its 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I applied for XXXX new tires from XXXXXXXX XXXX XXXX XXXX XXXXfor {$800.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, XXXX that equifax.had ReportedXXXX delinquent credit obligations, either paid or unpaid, was recorded on my credit bureau report. *too many recent credit inquiries are recorded on my credit bureau report.yes I got a quote on some new auto and home insurance.i also bought my fiance and engagement.i am being fairly denied because Of these.i am filing a formal complaint against XXXXXXXX XXXX XXXX and Equifax credit information services XXXX their was a breach on my credit profile I notified Equifax by certified mail that someone Had comprised my credit profile.

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:
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 impossible and that tracking these transactions was infeasible. Ive been using Zelle for many years in the past and since the rules have changed my money before then was lost and never was reimbursed for it. The CFPBs findings indicate 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 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 — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I was using the XXXX app and someone sent money. And it was the wrong person. And they close my XXXX account. It was my fault

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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle payments sent to wrong parties and losing money. Verification was not provided within the company which lead to misfunded money

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My problem is with two entities ; XXXX XXXX  and XXXX XXXX. Because I am disputing an outragous dental bill from XXXX XXXX in XXXX, California, these two entities chose to ignore/wave off/be indifferent to the dispute, even though I specifically mentioned the dispute. I am a senior citizen with limited funds, and although these entities are undoubtedly simply following their procedures, I refuse to be pushed around by them. So yes, sorry I'm making a big deal out of it, but I've been pushed around by financial entities before, and this late in life, I'VE HAD IT! 
Because it took so long for XXXX XXXX to adjust their previously invalid bill, and because yes, I refused to make a payment on a bill with no validity, XXXX XXXX and XXXX XXXX  have imposed punitive measures accusing me of " late payment '', measures designed to punish me, and destroyed my previous good credit by dropping my credit score by almost XXXX points. This has SEVERE ramifications for me and neither of these wealthy companies could care less! 
They're all so disgustingly pleasant on the phone, masking their true intentions, and intent on punishing me because I won't roll over and accept their lofty superiority in these matters. This experience has been a miserable burden!

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My problem is with two entities ; XXXX XXXX  and XXXX XXXX. Because I am disputing an outragous dental bill from XXXX XXXX in XXXX, California, these two entities chose to ignore/wave off/be indifferent to the dispute, even though I specifically mentioned the dispute. I am a senior citizen with limited funds, and although these entities are undoubtedly simply following their procedures, I refuse to be pushed around by them. So yes, sorry I'm making a big deal out of it, but I've been pushed around by financial entities before, and this late in life, I'VE HAD IT! 
Because it took so long for XXXX XXXX to adjust their previously invalid bill, and because yes, I refused to make a payment on a bill with no validity, XXXX XXXX and XXXX XXXX  have imposed punitive measures accusing me of " late payment '', measures designed to punish me, and destroyed my previous good credit by dropping my credit score by almost XXXX points. This has SEVERE ramifications for me and neither of these wealthy companies could care less! 
They're all so disgustingly pleasant on the phone, masking their true intentions, and intent on punishing me because I won't roll over and accept their lofty superiority in these matters. This experience has been a miserable burden!

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: EQUIFAX, INC.
State: OH

Complaint narrative:
According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative Item. 

Thank You

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:
Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving XXXX users vulnerable to scam. This is unacceptable

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: OH

Complaint narrative:
This complaint concerns XXXX 's repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to seek compliance since XX/XX/year>, XXXX has failed to address my concerns and continues to disregard the law. XX/XX/year> : I first contacted XXXX regarding potential FCRA violations related to the following accounts : XXXX. XXXX 's responses have been inadequate, consisting of stall tactics and a failure to address the specific legal violations. They have has violated my rights in accordance with 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. 

I request the CFPB to : Investigate XXXX 's practices and compliance with the FCRA. 
Take enforcement action against XXXX for violating my consumer rights. 
Compel XXXX to remove the accounts they are reporting with out my explicit permission Order XXXX to cease and desist from further FCRA violations. I have supporting documentation, including copies of correspondence with XXXX, certified mail receipts, and other relevant materials. I have provided these documents to the CFPB.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This complaint concerns XXXX 's repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to seek compliance since XX/XX/year>, XXXX has failed to address my concerns and continues to disregard the law. XX/XX/year> : I first contacted XXXX regarding potential FCRA violations related to the following accounts : XXXX. XXXX 's responses have been inadequate, consisting of stall tactics and a failure to address the specific legal violations. They have has violated my rights in accordance with 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. 

I request the CFPB to : Investigate XXXX 's practices and compliance with the FCRA. 
Take enforcement action against XXXX for violating my consumer rights. 
Compel XXXX to remove the accounts they are reporting with out my explicit permission Order XXXX to cease and desist from further FCRA violations. I have supporting documentation, including copies of correspondence with XXXX, certified mail receipts, and other relevant materials. I have provided these documents to the CFPB.

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: TN

Complaint narrative:
XXXX reported a 30 day on all XXXX credit bureaus violation of 15 USC 1668B in the month of XX/XX/year> which I was never late and Now its move to XXXX that inwas late which the representative at XXXX on XXXX XXXX XXXX XXXXXXXX tn clearly showed inwas 30days late in XXXX. XXXX has reported to all XXXX bureaus that my payment is also XXXX in the month of XXXX and my payment isn't due yet for XXXX reporting erroneous payment dates before due or payment date. I was never late and disputed this multiple times but no resolution.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX reported a 30 day on all XXXX credit bureaus violation of 15 USC 1668B in the month of XX/XX/year> which I was never late and Now its move to XXXX that inwas late which the representative at XXXX on XXXX XXXXXXXX XXXX XXXXXXXX tn clearly showed inwas 30days late in XXXX. XXXX has reported to all XXXX bureaus that my payment is also XXXX in the month of XXXX and my payment isn't due yet for XXXX reporting erroneous payment dates before due or payment date. I was never late and disputed this multiple times but no resolution.

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: PA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting issues with the platform.

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: AZ

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. 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 2025-01-15 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding zelles handling of disputes particularly in the light of the recent CFPB LAWSUIT Highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution an zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicated 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: TX

Complaint narrative:
I am writing to formally, express my concern regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous of time and reporting discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering loss funds was impossible, and that tracking these transaction was infeasible. The CFPBS find his indicate that Zelle has not only neglected to protect consumers, but also allow repeat offenders to explore the system leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: CT

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of CFPB LAWSUIT, my financial institute had failed to to investigate my claims regarding Zelle adequately.

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 writting to express my concerns regarding zelles handling of disputes particularly in light of 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 said that recovering fund wasnt possible and tracking transactions wasnt feasible. 
The CFPB findings reveal that zelle has failed to protect consumers and allow repeat offender to use the platform with malicious intent.

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: FL

Complaint narrative:
I am writing formally to express my concerns Regarding zelles handling Of disputes, particularly In light of the most recent Cfpb Lawsuit highlighting Significant issues with the platform. Despite using Zelle on multiple occasions And reporting discrepancies My financial institution and zelle failed to investigate claims adequately. They informed me that Recovering lost funds Was impossible and tracking These transactions was unfeasible. The CFPB Findings indicated that Zelle Has not only neglected To protect consumers But also has allowed repeat offenders to exploit the system. Leaving users vulnerable to scams

Company response to consumer: Closed with explanation