vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On multiple occasions in the past, I have made XXXX transactions to incorrect numbers and the money just disappeared. did not go to the person meant for and chase could not do anything about it. unfortunately, I do not have full amounts of these losses.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX I was victim of XXXX XXXX

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bounce AI, Inc.
State: IN

Complaint narrative:
Bounce AI put false information on my credit report.

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: MO

Complaint narrative:
I use Zelle multiple times. And never had an issue except a few times and I was told they could not recover lost funds. In light of the lawsuit by CFPB I would like to bring my case in as well.

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: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to address a critical issue with Equifax that has significantly impacted my credit score and, in turn, my professional and personal financial stability. As a licensed North Carolina general contractor and real estate broker, maintaining a strong credit profile is essential to my livelihood. 



In XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX During the purchase process, I explicitly instructed both the sales manager and finance officer that I authorized only a single credit inquiry. Understanding how multiple inquiries can negatively affect credit scores, I made this request to protect my financial standing.

Recently, while applying for financing for a new vehicle, I discovered that my credit score had dropped significantly. Concerned, I consulted with my bank, where the finance officer informed me that my credit report shows 29 inquiries, far more than I ever authorized. This revelation was both alarming and frustrating, as I was meticulous about limiting my credit checks during the XXXX  purchase. 



In response to this discovery, I have taken the following steps : 1. Dispute Filed with Equifax : I formally disputed these inquiries and requested an investigation to remove unauthorized entries from my credit report.

2. Letters to the Federal Trade Commission : I escalated my concerns to the FTC for further assistance. 

3. Challenges with Verification : XXXX XXXX has since gone out of business, and efforts to contact the responsible parties have been unsuccessful. 



Equifax has claimed that their research found no issues ; however, the multiple inquiries remain on my credit report, unjustifiably lowering my credit score. This situation has severely impacted my ability to secure financing, increased the cost of credit, and hindered my professional responsibilities, where strong credit is critical. 



I am respectfully requesting the following actions : 1. A thorough and transparent investigation into the unauthorized credit inquiries.

2. Immediate removal of any and all unauthorized inquiries from my credit report.

3. Written confirmation of the corrective actions taken to address this issue.

This matter has caused unnecessary financial stress and professional challenges, and I urgently require resolution. Please contact me at ( XXXX ) XXXX or via email at XXXX to discuss this matter further. I am more than willing to provide any additional documentation or information needed to resolve this situation. 



Thank you for your time and prompt attention to this matter. I look forward to your swift response and a resolution that restores my credit profile. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX, I called the phone number provided in the bank 's mobile app instructions to dispute unauthorized transactions from our account. The representative I spoke with opened a claim and told me that 4 transactions ( 2 for {$120.00} and 2 for {$190.00} ) would be included in this claim. 3 of the 4 transactions were immediately credited to our account, but 1 transaction for {$190.00} was not. I called again on XX/XX/XXXX to ascertain why this transaction was not credited. I was not given a real answer, and the representative I was then speaking with told me that this amount would be credited to my account within a few business days and would be included under the same claim ID #. I called again on XX/XX/XXXX because it still had not been credited to our account. This representative told me that there was a liability limit as to the number of days between transactions, which neither of the previous 2 representatives had ever mentioned when I filed the claim. I asked to speak with a supervisor to pull the audio from these calls as they were all on a recorded line, and was transferred to a supervisor named XXXX. She again told me that there was a limit on the number of days between transactions that could be included on the claim, and I explained to her also that 2 different representatives had never said anything about such limits and both had told me on a recorded line that this amount would be credited to my account. She said that they could not override their policies and procedures, and I asked what their policy and procedures stated about honoring transactions that 2 different representatives told me would take place. She said the bank has no such policy. Claim ID # XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The debt amount of {$720.00} was originally from Credit Card company " XXXX XXXX. '' In my credit report it appears as if I owe the debt to Portfolio Recovery Associates. The original debt was with the initial lender. The account got sold to Portfolio Recovery Associates and I have no obligations with them, other that they just having a balance in my credit report that is harming it. 

My obligation of paying the debt was with XXXX XXXX not with Portfolio Recovery Associates.

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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly.

Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. 


Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : Capital One Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/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 2025-01-15 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: FL

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly. 
Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. 


Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX XXXX ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX XXXX ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX XXXX  ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX 2024

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CEPB 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 infeasible. 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 availability 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 concerns regarding Zelles handling of the disputes particularly in light after the recent lawsuit. Despite using Zelle numerous times, my financial institution and Zelle failed to investigate my claims 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: TX

Complaint narrative:
I am writing to formally discuss my concerns regarding sales 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 claim adequately. They informed me that Recovering lost funds within impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that not only has Zelle neglected to protect consumers has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Dislike of accountability and transparency is unacceptable and raise a 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: MD

Complaint narrative:
When Zelle first open there was no disclosure so when sending money you would of thought you can trust it

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 about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed 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 deeply concerning and raises serious questions about the safety of consumers using the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed with Experian over XXXX  days ago and they have failed to provide a proper investigation into the disputes I've submitted concerning multiple inaccuracies on my report regarding XXXX XXXX XXXX and XXXX XXXX XXXX. I have disputed multiple accounts with Experian but they have not properly verified the accuracy of these accounts. Despite providing documentation and requesting verification, they have either ignored my concerns or failed to conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). This is a violation of multiple FCRA provisions, including the duty to investigate, correct inaccuracies, and communicate the results of their investigation in a timely manner.

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: TX

Complaint narrative:
I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which has exposed significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering the lost funds was impossible and that tracking the transactions was not feasible. According to the CFPB 's findings, Zelle has not only failed 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 the safety of consumers.

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: WA

Complaint narrative:
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 2025-01-15 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: VA

Complaint narrative:
I am writing to formally express my concern 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 my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only been neglected to protect consumers, but has also allowed repeated 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. 

Unfortunately Zelle transactions only go back XXXX months. However, I lost funds due to offenders being able to exploit the system when trying to pay for goods and services. The amounts varied throughout the years. Please let me know what you need for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$3100.00} XXXX XXXX  XXXX XXXX - {$0.00} XXXX XXXX  - XXXX - {$31000.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX {$15.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief