vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: TN

Complaint narrative:
On various dates several hard inquires were posted to both XXXX and TransUnion under my account which affected my credit scores. I did not authorize permission to have my credit pulled. Listed below are the companies and the dates. I have sent out reports and requested investigations to both bureaus involved and also file a report with identitytheft.gov. 

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

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 2025-01-16 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have been trying to access my online Equifax account for a few days now. Every time I try to access it says I need to call customer service and has an error code " NH ''. On XX/XX/year> I decided to call the number. I spoke with customer service and gave her info to access my account, and she said it was good now to access. After getting off the phone I tried it and still would not let me on. I called back and went through same process but this time they sent me to another department that asked for more detailed info so they could verify it was me and said I was good to go give it 30 minutes before trying to log in. STILL NOTHING!!! after 2 hours of answering questions, sending facial recognition and picture of my license and ss number card I decided to email Equifax asking to resolve this is by speaking to a supervisor but never received a response. I have searched this issue online and seen where other people are having the same response trying to log in with no success to resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 proce 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 2025-01-16 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: GA

Complaint narrative:
Im filling this complaint regarding an inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with reporting agency it remains unresolved.I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history : the items are : 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

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 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXXXXXX XXXX, I contacted my private banking banker at my local branch of Chase in XXXX XXXX XXXX to explore the possibility of opening a convenience account, as authorized under New York Banking Law 678 ( copy attached ). I have sent many other communications to Chase, including reaching out to the chief legal officer/ general counsel, XXXX XXXX . ( Copy attached ). 

For weeks, my calls and emails were ignored by Chase. I finally reached out to the NY Department of Financial Services who contacted Chase. In response to the DFSs investigation, I finally received a reply from Chase. Chase 's reply ( copy attached ) completely misses the point of my complaint. NY Banking Law 678 provides for convenience bank accounts, and that is what I wrote about and what I am seeking. Chase reply suggests that it does not need to consider compliance with NY Banking Law because it offers another product a POA Account. A POA Account fails to comply with NY Banking Law 678 and does not address my needs or request. 

I request that your office investigate why ( 1 ) Chase refuses to comply with NY refuses to Banking Law 678 ( convenience accounts ) and ( 2 ) why Chase should be permitted to ignore and violate NY Banking Law 678. I do not want a joint bank account or a power-of-attorney account as they are not convenience accounts. 

The law clearly provides for convenience accounts. I request that your office direct Chase to immediately arrange for the opening of a convenience account. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I have purchased a few different items through Zelle and XXXX XXXX XXXX, but a specific watch turned out to be a fake after I was led to believe it was a real one, and a concert ticket that ended up being a scam. Both times, Zelle sent me to XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX said they could not help me since I had recieved something, even if it was not what I had originally agreeded to purchase. I have never felt so at a loss of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a Zelle payment was sent out in the amount of {$1100.00}, and I was promised a product. Days have gone by and I havent received shipping or tracking so I contacted the merchant and asked questions, in the process of asking they informed me that it will be sent out so I waited and never gotten anything. So tried to contact my bank and let them know what was going on, they told me because it was a Zelle transaction my funds wouldnt be able to be retrieved. Till this day I never gotten anything from the company or my bank. I still want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-16 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: AL

Complaint narrative:
Experian has failed to meet 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 failing to forward consumer-provided evidence to furnishes, 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 items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Revolut Technologies Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a notification on my phone from XXXX that someone purchased a product. I go to my XXXX email and I see the purchase. I then get a message saying verify your account for the purchase. I verify then I get a message saying the bank does not coincide with XXXXXXXX XXXX. They told me to go With Revolut. I download the banking app. They ask me to tell them how much is in the account to verify. I notify via email then my money is transferred to XXXX. I try to confirm what happened but they told me to repeat the process. I called original bank to cancel the payment but they said wait till it processed. I later contacted Revolut and they told me the funds could not be sent back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
When it comes to XXXX, in the beginning, it never prompt you to check who youre sending money to or any warnings that you couldnt get that money back. Somehow I changed my password and everything, but I called Chase directly, and I spoke to them telling them that someone sent money to some number and I lost a good amount of money. I still have pictures of the transactions that they took And they responded back, which you can only close your account and make a new one which I did so Im not sure it would reflect on this account but its an account with Chase that I lost a lease {$5000.00} or more. I want to see if I can get hopefully some of that back because it was hard work money that I worked for and they just brushed it off because it wasnt a credit card or anything like that, but it wasnt myself that did it. My account was hacked somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Tried to settle my account with Capital One, was told to make 4 months of payments ( which I did ), all to find out it was not closed. Was charged late fees, interest, etc. got set up on yet another payment plan. Made XXXX payment in XXXX of XXXX. It was to come out on the XXXX of each month. It look them over a week to process it. XXXX rolls around, I waited over XXXX weeks for a payment to come out of my account, but it never did. Then on XX/XX/XXXX I get an email saying they tried to process my payment and couldnt find my account so they will not try again. I call, the gentleman proceeded to tell me that they could not locate my account, so no payment was made. He confirmed my account information, processed another payment and it was magically taken care of without an issueCAPITAL ONE IS A JOKE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
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 failing to forward consumer- provided evidence to furnish, 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 items, 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 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am writing to formally dispute through XXXX and came back the same. Problem with a Companys Investigation into an existing problem. 15 USC 1681. 
With my disputes their is still inaccuracy in my Credit report with Santander Consumer USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/year> - Received fraud alert at XXXX Did not respond because it went to my XXXX folder in my emails.When I saw the charge to my accoung I claimed the transaction as fraud. XXXX was stopped and sent me a new card. 
Received a refund for the amount of XXXX XX/XX/XXXX the money was taken out of my account claiming they had proof I made the charge.I started reseaching and discoved several emails sent to my archive folder regarding this purchase. This person that did this purchase for XXXX XXXX had all of my information. 
Claim number filed again to dispute this ; as having my information stolen Claim XXXX XXXX I have provided all of the emails sent to my archive folder. There are several that went back and forth. 
The bank claims they have proof that I received the tickets based emails from the merchant. I provided my proof from the emails I receieved. Still refusing the claim based of stolen identy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
The problem began last year when our mortgage payment was raised twice The interest rate and the escrow ( sometimes expected ) increases put the mortgage payment to go over {$600.00} per month. That is almost half of what my Social Security benefit is, and I have other financial obligations to cover. I was splitting up the payments paying about half around the due date and the other half later. The problem with that is they will not acknowledge any amount to the account until a full payment is received. Which means it is not credited to the account. Sometimes I have had a check returned to me and redeposited into my account, sometimes because the check was said to be expired?? But I promptly had my financial institution mail them another check. After earlier trouble with the checks, I changed the address from a XXXX XXXX XXXX the physicial address because my financial institution preferred not to have checks sent to a XXXX XXXX XXXX Even though the checks take longer to be received, I prefer them as compared to an online or phone payment, due to the extra charges. I once maiden an online payment and was not only charged a fee from the mortgage holder but also was charged a fee from a third party totaling {$27.00}. I filed to get a home retention assistance program and tried to meet the requirements, but by of having to split the payments up and the time the checks took, they stated that I had broken the terms of the agreement and the offer was descended. I have tried to explain my financial situation to them several times, yet they will not listen or cooperate. Also in the past when they obtained our mortgage from a local bank they put the loan amount at what the loan was originally set for and have done this XXXX other time during the loan.This made the loan like we had never paid on it, not showing any progress on my part toward the debt. Like all we had paid was nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation