vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have actuall audio recordings on my phone. Where it states in an emergency I will receive a provisional credit for my disputes. This bank has been nothing but a hassle. I did receive credit for some disputes then out of nowhere {$670.00} was gone and ai looked and seen it was a fraudulent XXXX. I still never received credit for the 2 {$890.00} disputes either. I let them know it was a case of emergency because my rent was due on the first and my gas is about to be shut off because of this. I have a XXXX XXXX XXXX daughter here as well ar times. I want my money asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: The Aligned Company DBA Extra
State: NC

Complaint narrative:
Inaccuracies on last date of payment, report states I have high credit amount which is inaccurate, the premise was to load money on card to receive a credit boost ; credit report states past due marks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Requested to remove XXXX XXXX. I have had an awesome record with no late payments or missing payments. Yet I dont get a response or anything type of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Requested to remove XXXX XXXX. I have had an awesome record with no late payments or missing payments. Yet I dont get a response or anything type of help.

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 2025-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have a private loan and a few federal loans that I took out when I attended XXXX XXXX from XXXX. 

In XXXX XXXX XXXX, the Department of Education reached out to me regarding my federal loans and that I qualified for a discharge solely based on misinformation that the college presented to me regarding job prospects and opportunities. I heard that there was a similar program for private student loans last year. So, in XXXX, I filed a complaint with Navient, the holder of my private loan. However, they never got back to me. They switched the loan over to XXXX later in that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2025-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax XXXX XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation : Case XXXX Violations Include : Late Payments : 15 USC 1681 a ( XXXX ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681 ( b ) ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ).

There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. The accounts stemmed from theft fraud resulting from the XXXX XXXX XXXX, a crime of which, again I am a victim. Trans Union received several material, the accounts were deleted and proof of the deletion was confirmed. However, the accounts were reinserted back on my credit files and yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and still sending stall letters, which is frivolous. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$9200.00}, Open Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Balance : {$7700.00}, Open Date : XX/XX/year> This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report numerous times. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. I have been disputing these particular unauthorized accounts for months, and your refusal to delete or block these fraudulent entries constitutes a blatant violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires Trans Union to block and delete any fraudulent information upon receipt of a valid identity theft report. I want to make it clear that I have never given permission for any associated entities to report or share any personal information about me

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX and XXXX Department of Education acct 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 2025-01-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX and XXXX Department of Education acct XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
On XX/XX/XXXX, I created a high-yield savings account with Marcus Goldman Sachs with an initial deposit of {$15000.00}. On XX/XX/XXXX, I initiated a transfer through XXXX to fund a personal brokerage account ( {$5500.00} ) and a XXXXXXXX XXXX ( {$4400.00} ), pulling funds from the Marcus savings account. Both XXXX accounts are in my name. On XX/XX/XXXX, the funds arrived in the XXXX accounts and I purchased various mutual funds using the deposits. On XX/XX/XXXX, I received a phone call from Marcus claiming that the transfers I initiated on XX/XX/XXXX were flagged as " quick money moves '' and would need to be reversed and returned to the savings account. This is concerning for many reasons : 1 ) {$4400.00} was deposited into an IRA. Thus, removing the funds creates tax implications and leaves me prone to additional fees/taxes on gains acquired since the initial deposit. 
2 ) The Marcus website claims that its high-yield savings allow for " unlimited '' withdrawals, at any time. It does not specify a waiting period in which the funds must be in the account. One specialist claimed that I received an email with documentation stating that the funds needed to be in the account for 90 days before I could withdraw them. This is patently false, as I did not receive an email with any related documentation and the claim directly opposes what the savings account advertises ( unlimited withdrawals ).

3 ) I could not get a clear answer regarding why my funds needed to be reversed. After speaking to three specialists, I was told that my funds were moved too quickly, that Marcus doesn't support retirement accounts, and that " the system does not tell me why they need to be reversed. '' After prodding for more information, I was told that I could not speak to someone who works in the transfer department ( i.e., someone who could provide me with more information ). This is unacceptable. 

Ultimately, the funds I deposited are mine. Consumers deserve the ability to access their funds and make transfers as they wish. I should not need to reverse the legal transfers that I have approved through the app and via phone call with a Marcus representative. I will be closing my account when I am able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with { XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. SINCE THEY AFFECTING MY OPPORTUNITY TO OBTAIN CREDIT.Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
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 explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to investigate my dispute regarding inaccuracies in my credit report properly. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a through investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX and 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 2025-01-25 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: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to investigate my dispute regarding inaccuracies in my credit report properly. Despite my submissions, XXXX consistently responds within 24 hours, stating the account is accurate without providing any evidence of a through investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
I wrote a check to pay for groceries to XXXX in XXXX XXXX Florida a few weeks ago, but the store denied my check. The receipt said because of information XXXX gave them. I contacted Certegy on that day. Every time I called I was answered by a person in the XXXX they told me they could not let me speak to someone in the XXXX. I gave her my personal information she said it was something negative on my Florida Drivers License number. but could not tell me what it was. She mailed me a consumer file disclosure report. Then someone from Certegy called me and told me it was a returned check I had written to XXXX. I told him that had already been cleared up. I got the report from Certegy last week, on the report it said for my Birth Year : No Information on File. It did have the last 4 numbers of my Drivers Lic. number but not anything else. Today I wrote a check to XXXX in XXXX XXXX Florida it was accepted I asked the clerk when she had my drivers license if she was putting in my date of birth on the computer screen. She said it would not let her. I said well what information from my drivers license did you put in, she said only my license number. I do not understand why Certegy would not have my birth Year on File and why the registrar at the XXXX XXXX not let her put my birthday in the computer. I mean my license has my date of birth on it that is a identifier for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
The account been suspended for 3 or more years and Im repeatedly asked for proof they maybe we can give you proof you if said you are you I dont understand why they keep this information on my credit but its not fair.

Company response to consumer: Closed with explanation