vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TX

Complaint narrative:
I disputed a charge on my account with Comerica in XX/XX/year> because I paid for a sales training program called XXXX XXXXXXXX that guaranteed a job after completing the program however after I completed the program, I absolutely did not receive the promised outcome. After I requested it, they took an extremely long time almost 2 months to be exact, just to tell me that they denied my dispute after providing a provisional credit that they took back. After that, I provided a whole lot of proof and evidence ( XX/XX/XXXX ) that I completed this program and paid in full which was a total of {$6200.00}!!! and followed all of the procedures of the program and still was unsuccessful with the promised outcome, which was securing a job after. I have sent proof of that, I have not heard a word from Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 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 2025-01-27 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: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XX/XX/year> -- {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IN

Complaint narrative:
Request XXXX for closed accounts. I requested all accounts that are open being credited from my name. Companies did not provide any information but as admittance to fruad and other laws violated an account was closed and deleted then placed back on credit report.

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 2025-01-27 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I woke up to a transaction from XXXX for XXXX dollars on my cashapp card around late XXXX XXXX. First thing I did was contact XXXX and requested a refund which they refused. First I talked to a representative that said the transaction didnt go through their systems so it would be refunded to my card. I confirmed with said representative roughly XXXX or XXXX  times if this was true and they reassured me that the statement was true. But the next morning I saw that the transaction did go through. Then I began talking to another representative just to be sure and they pretty much told me I just wasnt gon na get my refund and then ended the conversation after I defended my case. Then I went to cashapp to handle it and filed a claim for a dispute on Sunday which they denied Monday morning, which to me doesnt add up because they said roughly XXXX  days for a response and proceeded to deny my claim in around XXXX hours and the fact that thats the first prize picks transaction on my cashapp card and I gave them a generous amount of evidence that could help me in this case. After almost losing hope I found about the CFPB and how they help people just like me and now Im filing this complaint. Hopefully I am able to get this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
The letter is a formal request addressing the verification of accounts listed on a credit report under the Fair Credit Reporting Act ( FCRA ). The individual, XXXX XXXX, is demanding that the credit reporting agency provide verifiable proof ( the original signed consumer contract ) for any listed accounts, specifically the XXXX XXXX XXXX account, in compliance with Section 609 ( a ) ( 1 ) ( A ) of the FCRA. The letter emphasizes that without this verification, the accounts must be removed from the credit report, as failure to verify the accounts has negatively impacted the individuals ability to obtain credit. 

Additionally, XXXX XXXX that : The XXXX XXXX XXXX account be deleted for non-compliance with FCRA regulations. 
All non-account holding inquiries over 30 days old be removed. 

A XXXX Suppression be added to their credit file. 

The letter concludes with a request for action and a signature from the individual. A copy of the dismissed judgment was attached to the request per a XXXX XXXX judge. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2025-01-27 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:
The letter is a formal request addressing the verification of accounts listed on a credit report under the Fair Credit Reporting Act ( FCRA ). The individual, XXXX XXXX, is demanding that the credit reporting agency provide verifiable proof ( the original signed consumer contract ) for any listed accounts, specifically the XXXX XXXX XXXX account, in compliance with Section 609 ( a ) ( 1 ) ( A ) of the FCRA. The letter emphasizes that without this verification, the accounts must be removed from the credit report, as failure to verify the accounts has negatively impacted the individuals ability to obtain credit. 

Additionally, XXXX XXXX that : The XXXX XXXX XXXX account be deleted for non-compliance with FCRA regulations. 
All non-account holding inquiries over 30 days old be removed. 

A XXXX Suppression be added to their credit file. 

The letter concludes with a request for action and a signature from the individual. A copy of the dismissed judgment was attached to the request per a XXXX XXXX judge. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with t

he Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp will not let me add cash to my account tgey did for awhile then tgey stopped letting me do this i called talked to them they said it was there decision to not let me add cash, only can add from my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
The accounts reporting to to my consumer report is fraudulent and inaccurate, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX please delete or Block these accounts from reporting to my consumer report FCRA 15 U.S.C 1681i ( a ) 1 challenges the 30 day response time.15 U.S.C 1681i ( a ) 6 ( b ) 3 challenges investigation protocol.

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 2025-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
returned vehicle do to engine blowing out a XXXX  later surrendered car false info showing on credit please remove off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I am writing

to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on m
y credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: OH

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. 

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 2025-01-27 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-27 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: TX

Complaint narrative:
Submitted inaccurate information on my credit report to Experian with legal documents backing this information up. The investigation took less than XXXX with no proof of the investigation or details.

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