vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2025, I initiated a transfer from my XXXX XXXX XXXX XXXX account to withdraw {$2500.00} and deposit it into my USAA account. USAA successfully withdrew the funds from my XXXX XXXX XXXX XXXX account but placed the money on hold until XX/XX/2025. When I contacted USAA, they refused to release the hold on my funds. I explained that the money had already been withdrawn from my XXXX XXXX XXXX XXXX account. While they acknowledged receiving the funds, they insisted they would keep them on hold until XX/XX/2025. I was not informed that the funds would be held for such an extended period, even after verifying my account with 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 2025-01-23 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since the time frame of XX/XX/XXXX, I have been the victim of identity theft. My phone was hacked and incidentally, my information has been used in an attempt to open and/or successfully open credit lines, bank accounts, etc., in my name that I did not authorize. Particularly, Best Buy sent me a credit card that I did not open. A charge in the amount of {$4300.00} was made on XX/XX/XXXX ; I did not authorize this credit line nor the purchase.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive recently been affected by fires in LA. I work as a XXXX XXXX XXXX XXXX and most of my job were in the XXXX and now Ive lost all that income all at once. Ive been trying really hard to keep up with my bills but my bank is charging me XXXX $ dollars and I really cant afford it at this time. I tried contacting my bank and try to fix issue but they refused to remove charges. I just want to bring my account up to date so I dont get behind again

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 monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
These are the accounts that I have marked an inaccurate 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 non-monetary relief
Consumer complaint received 2025-01-23 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:
These are the accounts that I have marked an inaccurate 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against the credit bureau due to significant errors on my credit report that have caused serious harm, including the denial of an apartment application and a job opportunity. These errors are a direct result of the credit bureau 's negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

As a result, I am seeking {$10000.00} in damages for the financial and emotional harm caused by these violations. 

My credit report contains multiple inaccuracies, which I have disputed with the credit bureau on several occasions. Despite providing supporting documentation, the credit bureau has failed to correct these errors. 

In line with the CFPBs recent lawsuit against the credit bureau, my experience reflects their pattern of conducting sham investigations into consumer disputes. The credit bureau failed to properly investigate or resolve my complaints, violating their obligations under federal law. 

The credit bureau failed to reinvestigate my disputes within the FCRA-mandated timeframe. Additionally, deleted information has been improperly reinserted into my credit file without notice, further damaging my credit profile. 
My application for an XXXX XXXX XXXX based on my credit report, leaving me without secure housing. 

A potential XXXX XXXX XXXX XXXX, as they relied on my inaccurate credit report during the hiring process. 
These XXXX XXXX XXXX XXXX, financial instability, and 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against the credit bureau due to significant errors on my credit report that have caused serious harm, including the denial of an apartment application and a job opportunity. These errors are a direct result of the credit bureau 's negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

As a result, I am seeking {$10000.00} in damages for the financial and emotional harm caused by these violations. 

My credit report contains multiple inaccuracies, which I have disputed with the credit bureau on several occasions. Despite providing supporting documentation, the credit bureau has failed to correct these errors. 

In line with the CFPBs recent lawsuit against the credit bureau, my experience reflects their pattern of conducting sham investigations into consumer disputes. The credit bureau failed to properly investigate or resolve my complaints, violating their obligations under federal law. 

The credit bureau failed to reinvestigate my disputes within the FCRA-mandated timeframe. Additionally, deleted information has been improperly reinserted into my credit file without notice, further damaging my credit profile. 
My application for an apartment was denied based on my credit report, leaving me without secure housing. 

A potential employer rejected my application, as they relied on my inaccurate credit report during the hiring process. 
These denials caused emotional distress, financial instability, and damage to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IN

Complaint narrative:
XX/XX/XXXX Per : XXXX XXXX XXXX XXXX XXXX XXXX  This company is not licensed or registered with the XXXX  to do loans in XXXX now XXXX when this loan was made ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date ). This company is now attempting to collect with the legal processes and has put negative information on my credit report damaging my credit standing with potential lenders. 

I have disputed this transaction recently and since then I have gotten a report of XXXX late payments on this account even though it remains in a charge-off status ; thus damaging my credit rating even further. 

Please investigate and let me know your results. 

Thank 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
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/XXXX Per : XXXX XXXX XXXX XXXX XXXX XXXX This company is not licensed or registered with the XXXX to do loans in XXXX now XXXX when this loan was made ( XXXX XXXX XXXX XXXX XXXX  open date ). This company is now attempting to collect with the legal processes and has put negative information on my credit report damaging my credit standing with potential lenders. 

I have disputed this transaction recently and since then I have gotten a report of XXXX late payments on this account even though it remains in a charge-off status ; thus damaging my credit rating even further. 

Please investigate and let me know your results. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
XXXX sent a bill dated XX/XX/XXXX and sold my debt to CBE Group in XXXX XXXX XXXX on XXXX. I received the statement from both companies on the exact same debt on the same date. This is confusing. I called XXXX to arrange a payment to pay the debt XX/XX/XXXX but they refused. They are still collecting while having sold my debt. I don't know who to pay or if I should pay XXXX if the debt is not theirs anymore. I am sure this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: PA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-01-23 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: NC

Complaint narrative:
Experian 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 Experian, alleging systemic issues such as evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian '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 explanation
Consumer complaint received 2025-01-23 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:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently respond within XXXX stating the account is accurate, without providing the any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure equal facts complies with federal laws and provides consumers with the necessary proof of investigation.

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 2025-01-23 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My XXXX card number was apparently leaked. XXXX of the unauthorized charges were initiated by a fraudulent PayPal account. I asked PayPal to review the charges. I was given irrelevant information about a different transaction for which I requested XXXX information, and that I already know is legitimate. After that disappointing experience, I specifically asked for the documents PayPal used to decide that my XXXXXXXX XXXX was not used by another account. PayPal refused to provide any documents, and repeated the same pointless information as before. I have asked for documentation twice more since then with the same result. It has gotten to the point that the time I've spent trying to motivate them to perform basic due diligence is actually costing me more than the original XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Assistance in Resolving XXXX XXXX XXXX XXXX XXXX XXXX Case To Whom It May Concern, I hope this letter finds you well. I am writing on behalf of a federal award recipient, authorized by the XXXX Department XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX in Persons ( please refer to the attached Confirmation of Authorization ). This communication is to inform you that the XXXX XXXX has verified and determined that XXXX XXXX is a victim of severe XXXX XXXX, as defined under XXXX XXXX. XXXX ( XXXX ), or XXXX XXXX as defined under 22 U.S.C. 7102 ( 12 ), in accordance with the requirements for blocking adverse credit information pursuant to 12 C.F.R. 1022.142 ( see attached rule ). 
The XXXX XXXX is a dedicated organization advocating for the rights and protection of those affected by XXXX XXXX XXXX XXXX XXXX  Our mission is to support survivors of this serious human rights violation and to work collaboratively with various stakeholders to address and combat this critical issue. 
In the course of our work, we have identified a case involving an individual whose credit report reflects an outstanding debt that we strongly believe is tied to XXXX XXXX The nature of this debt suggests possible coercive or fraudulent practices, resulting in an unfair financial burden on the victim. 
We kindly request your assistance in blocking and removing any adverse accounts that are negatively impacting her credit profile, in compliance with applicable regulations. Your prompt attention to this matter is greatly appreciated, and we look forward to working with you on this important issue. 
Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A hotel over charged me and told me to call my bank. I called my bank and was told to call the hotel to see if they can do a reverse. The hotel then told me there was nothing they could do and I had to speak with my bank. I called my bank back and was told that one of the charges was drop but it wasnt going to reflect in my account even though the hotel was the one to over charge me. Navy federal then proceeded to put my account in the negatives and overcharge me. I stayed at the hotel for 4 nights which was XXXXXXXX XXXX a night. The hotel charged me XXXX four times. When I should have been charged XXXX only twice. Only one of the XXXX was dropped but not the other one. Navy federal said my payment was pending and when it posted extra money was taking out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Synovus Bank
State: WI

Complaint narrative:
Complaint Regarding Inaccurate Information Reported by XXXX

Company response to consumer: Closed with explanation