vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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 would like to be reimbursed for the reported transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: PNC Bank N.A.
State: TX

Complaint narrative:
HI THIS IS XXXX XXXX XXXX Ferst of all my phone from XXXX XXXX XXXX XXXX  all was hacked XXXX party line never coud not make an appcathoin right for work miss calls mesagis. next one BANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
HI THIS IS XXXX XXXX XXXX Ferst of all my phone from XXXX XXXX XXXX XXXX all was hacked XXXX party line never coud not make an appcathoin right for work miss calls mesagis. next one 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 2025-01-19 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: SC

Complaint narrative:
Cashapp I be trying to get in contact with them cause someone keep taking my money they be claiming its nothing they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent 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 tracking these transactions was unfeasible. The CFPBs finding 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 2025-01-19 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: AZ

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 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 indicates 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 it unacceptable and raises serious concern about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delay of posting of charges and credits I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFBP which identified similar practices by Navy Federal Union, where transactions settled with insufficient balances despite initially havind adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
When I have used Zelle in the past there was no fine print about how they do not protect your transactions when lying somebody else even if it goes to the wrong person. I have had random transactions show up to my account, but the only reason they couldnt go through because there were no funds available. When I asked my banks how did they even get my information, they just stated we will send you another debit card, but there was no investigation. I have had transactions on XXXX XXXX, which card info is not on, as well as, a random transaction to buy alcohol at XXXX XXXX. I am a stay at home mom. Im not outside at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NJ

Complaint narrative:
I have identified several discrepancies in my accounts, including inaccurate information, incorrect addresses, and accounts that are over XXXX XXXX XXXX. Despite the lack of debt contracts, this information was placed in my credit reports. Additionally, Experian has not reported properly, and these accounts have not been properly investigated. Thank you for assisting me with this complaint. 

Addresses are not current XXXX XXXXXXXX inaccurate info XXXX No longer a customer- Debt with another company XXXX- Account is not mine Uplift- balances are incorrect and not updated XXXX-Paid please remove First Premier over XXXX years ago. Acct was paid Home Point- No longer a consumer, yet it is still on report Leaders-Paid, please remove Popular-not deleted acct over XXXX XXXX XXXX XXXX Federal- over XXXX XXXX XXXX not closed Verizon-No acct active Portfolio-Recovery-No contract request or XXXX to report XXXX-No acct with this company.

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 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
In XXXX of XXXX I have volunteered surrender the car I called and also sent a message to volunteer surrender the car this company havent reach out or came get the car I have tried to get in contact nothing its been months since I heard from this company about anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

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 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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided 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 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 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 2025-01-19 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: CA

Complaint narrative:
I reviewed my credit reports from XXXX, XXXX, and TransUnion and identified several inaccuracies. These errors are causing financial harm and are tied to a name that does not reflect my legal identity. The accounts and inquiries are listed under the name " XXXX XXXX XXXX, '' which is not my correct legal name. My legal name, as updated through a certified court order, is formatted differently, and I have no connection to the accounts reported under the all-caps name. 

Details of Specific Issues : Charge-offs Reported as Debt Despite Forgiveness : XXXX XXXX : A charge-off of {$4400.00} remains reported, even though this debt was forgiven and a XXXX form was issued, reporting it as income to the IRS. 
XXXX XXXX : A charge-off of {$5700.00} remains listed, despite being forgiven with a XXXX form. 
These accounts are associated with the incorrect name and can not simultaneously be reported as forgiven income and outstanding debt. 
Student Loans That Are Not Mine : Several accounts from XXXX are fraudulently attributed to me, including XXXX with a balance of {$2600.00} opened in XXXX. I have never applied for or taken out student loans. 
Bankruptcy XXXX XXXX : A Chapter XXXX bankruptcy was reported as filed and dismissed in XXXX. This filing is fraudulent and not associated with me. 
Unauthorized Hard Inquiries : Over XXXX hard inquiries appear on my credit reports, all unauthorized. Examples include inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
Incorrect Personal Information : The credit reports list incorrect names and addresses, including variations of " XXXX XXXX '' and outdated addresses that I have never lived at. 
Actions Taken : I have disputed these inaccuracies with the credit reporting agencies but have not received proper resolution. 
I filed an identity theft report with the FTC to address the fraudulent accounts and inquiries. 
I contacted creditors, including XXXX XXXX and XXXX XXXX, to dispute the charge-offs and request corrections, but no action has been taken. 
These accounts and records are incorrectly tied to my file and are not associated with my legal identity. I am requesting their immediate removal, as they are causing significant harm to my financial standing.

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 2025-01-19 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: CA

Complaint narrative:
I reviewed my credit reports from XXXX, Equifax, and XXXX and identified several inaccuracies. These errors are causing financial harm and are tied to a name that does not reflect my legal identity. The accounts and inquiries are listed under the name " XXXX XXXX XXXX, '' which is not my correct legal name. My legal name, as updated through a certified court order, is formatted differently, and I have no connection to the accounts reported under the all-caps name. 

Details of Specific Issues : Charge-offs Reported as Debt Despite Forgiveness : XXXX XXXX : A charge-off of {$4400.00} remains reported, even though this debt was forgiven and a XXXX form was issued, reporting it as income to the IRS. 
XXXX XXXX : A charge-off of {$5700.00} remains listed, despite being forgiven with a XXXX form. 
These accounts are associated with the incorrect name and can not simultaneously be reported as forgiven income and outstanding debt. 
Student Loans That Are Not Mine : Several accounts from XXXX are fraudulently attributed to me, including XXXX with a balance of {$2600.00} opened in XXXX. I have never applied for or taken out student loans. 
Bankruptcy XXXX XXXX : A XXXX XXXX bankruptcy was reported as filed and dismissed in XXXX. This filing is fraudulent and not associated with me. 
Unauthorized Hard Inquiries : Over XXXX hard inquiries appear on my credit reports, all unauthorized. Examples include inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. 
Incorrect Personal Information : The credit reports list incorrect names and addresses, including variations of " XXXX XXXX '' and outdated addresses that I have never lived at. 
Actions Taken : I have disputed these inaccuracies with the credit reporting agencies but have not received proper resolution. 
I filed an identity theft report with the FTC to address the fraudulent accounts and inquiries. 
I contacted creditors, including XXXX XXXX and XXXX XXXX, to dispute the charge-offs and request corrections, but no action has been taken. 
These accounts and records are incorrectly tied to my file and are not associated with my legal identity. I am requesting their immediate removal, as they are causing significant harm to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my 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 2025-01-19 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 the recent CFPB lawsuit highlighting very serious and 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 my lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious and troubling concerns about consumer safety and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-19 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: CA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint # XXXX Submitted on XX/XX/XXXX Dear CFPB, I am writing to address the response from TransUnion dated XX/XX/XXXX, concerning my complaint regarding unauthorized credit inquiries. While TransUnion has acknowledged my concerns, their response fails to resolve the issue adequately or comply with the Fair Credit Reporting Act ( FCRA ). 

Key Issues : XXXX. Failure to Verify Permissible Purpose TransUnion advised me to contact the companies directly but did not provide evidence of permissible purpose for the disputed inquiries. Section 604 of the FCRA explicitly requires that inquiries must be supported by documentation proving permissible purpose. If TransUnion can not verify this, they are obligated under Section 611 to remove the inquiries from my report. 


XXXX. Inadequate Investigation The response indicates a lack of thorough investigation. My complaint and supporting evidence made it clear that I did not authorize these inquiries. XXXX duty as a consumer reporting agency is to contact the furnishers of this information and obtain proof of authorization, not to redirect the burden to me. 


XXXX. Retention of Unauthorized Inquiries While inquiries remain on reports for XXXX years, this timeframe is irrelevant if the inquiries are unauthorized or unverifiable. XXXX refusal to remove them despite the absence of validation undermines the FCRA 's intent to ensure accuracy and fairness. 



Requested Action : I request the following actions be taken to resolve this issue : XXXX. Provide documentation from XXXX and XXXX XXXX XXXX demonstrating permissible purpose for the inquiries in question. 


XXXX. Remove the disputed inquiries from my credit report if such documentation can not be produced. 


XXXX. Confirm the removal of any unverifiable information and issue an updated credit report reflecting these changes. 



If TransUnion continues to fail in providing the required documentation or removing the unauthorized inquiries, I request the CFPBs intervention to ensure compliance with the FCRA and to protect my rights as a consumer. 

I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, 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