vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to pay a bill on line from a checking account for which I am a joint holder. I was told to try again later which I did and received the same message. That same day my sister-in-law informed me that there was a hold on two accounts one being the checking account I was trying to access. I called Capital One to find out the reason for the hold on the account. I was informed that since I am not the primary holder on the account no information could be given to me. I told them that I have the legal power of attorney for my mom who is ninety-nine and that I need access to ther account in order to pay her bills including the amount paid to her caregiver every two weeks. I was then told that I needed to fill out POA forms, which I could find on the Capital One website, have them notarized, and once received and accepted it would take ten days for me to get access to the account. The forms were received on XX/XX/XXXX to the address on the cover sheet for Capital Ones POA forms. We spoke to various representatives none of whom were helpful or even gave me any information that was either useful or correct as well as visiting a local branch to try to find out what was taking so long. 
On XX/XX/XXXX I spoke to a supervisor who informed me that the address where I sent the forms was a warehouse and that I needed to send the forms that are online as well as my legal POA to Capital One. The supervisor spent two hours on the phone with me but she was not familiar with Mac computers and we were unable to find a way throught my phone app or the computer to get the forms to her. She advised me to visit my local branch to have them scan the paperwork and send it through them.She also informed me that even though there were copious notes around this issue she was unable to expedite me receiving the authorization to look into and take the hold off the account. I received a letter dated XX/XX/XXXX informing me that XXXX XXXX XXXX 's request for POA was NOT approved for the following reason : Our records indicate that XXXX XXXX XXXX is designated as POA on this account and asking me if I would like to change the POA. I waited several days and then called customer service. I read her the letter and she told me that I was granted the POA and she took the hold off the account without mentioning the suspected fraudulent activity that began this fiasco. I have never before met with such total incompetence, lack of knowledge and concern for a customer. The letter I received on the XXXX was the icing on the cake. I will be bringing my business to another bank in the hopes that I will be treated as a valued customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-12 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 want to express my concerns about how Zelle handles disputes, especially after the CFPB lawsuit that highlights serious issues with the platform. I have used Zelle many times and reported problems, but my bank and Zelle did not fully investigate my claims. They told me that they could not recover lost funds and that tracking these transactions is hard. 

The CFPB 's findings indicate that Zelle needs to do more to protect its users. Some people have taken advantage of the system, putting users at risk of scams. Its important for Zelle to improve its accountability and transparency to keep consumers safe. I hope my feedback helps encourage positive changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Delete immediately XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
My credit card account with creditor, First National Bank of Omaha, was closed in XXXX due to payment default. On XX/XX/XXXX, creditors attorney, XXXX XXXX XXXX XXXX XXXX, was granted an order to collect a court judgement against me to withhold part of my earnings that took affect on XX/XX/XXXX ( XXXX  XXXX ). Creditors law firm claims that I owed {$7900.00} for the principal balance, but also added interest of {$3000.00}. I am not disputing the principal balance, I am only disputing the high interest claim. 

This interest amount dates back from the COVID inception time period when I was not employed due to the circumstances of pandemic. I feel it to be very unfair and unempathetic to be subjected to pay this high interest amount that has accumulated since the pandemic. Since this judgement was first implemented and my wages started being garnish on XX/XX/XXXX, I have had a current amount of {$8300.00} garnished from my wages. This amount is more the principal balance of {$7900.00} from when the account was closed. This has created a significant financial hardship for me and family. I struggled over the last couple of years to take of my XXXX XXXX XXXX son and provide him with the basic essentials to survive. 

I am asking that original creditor, First Bank of Omaha, please have some compassion and empathy for someone who once was your customer, and stop the judgement and garnishment for the remaining interest balance, so that I can finally go back to my normal lifestyle of being able to afford to take care of family once again. 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 2025-02-12 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: MI

Complaint narrative:
The status is incorrect for the following account XXXX XXXX  CREDIT CARD Account Number : XXXX Please remove this inaccurate information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The status is incorrect for the following account XXXX XXXX  CREDIT CARD Account Number : XXXX Please remove this inaccurate information from my 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 2025-02-12 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: IL

Complaint narrative:
Subject : Formal Complaint Against Experian for Violations of FCRA and Failure to Conduct Proper Investigations To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Complaint Summary : I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). Despite multiple dispute letters sent to Experian regarding inaccurate information on my credit report, Experian has not conducted a proper investigation nor removed the incorrect data as required by law.

Background : I have submitted multiple disputes to Experian regarding inaccurate information on my credit report, including GEMINI/WEBBANK. Under the FCRA, Experian is required to conduct a reasonable investigation and ensure the accuracy of consumer credit files. However, they have failed to : Properly investigate and correct inaccurate items.

Provide me with verification of the disputed accounts.

Ensure compliance with reinsertion rules, as outlined in 15 U.S.C. 1681i ( 5 ). 

CFPB Lawsuit Against Experian : I recently became aware that the CFPB has filed a lawsuit against Experian for failing to conduct proper investigations of consumer disputes ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ). This lawsuit demonstrates a clear pattern of misconduct, reinforcing my claim that Experian has failed in its legal obligations regarding my dispute. 

Harm Caused to Me : Due to Experians failure to properly investigate and correct my credit report, I have suffered financial harm, including but not limited to : Denial of credit/loans.

Higher interest rates on financial products.

Negative impacts on employment or housing applications.

Requested Resolution : Removal of fraudulent account ( GEMINI/WEBBANK ) from my Experian credit report I have attached all relevant dispute letters and responses for your review. I request that the CFPB take action to hold Experian accountable and enforce compliance with federal law.

Attachments : Copy of Police Report/Identity Theft sent to Experian.

Credit report ( s ) showing inaccuracies. 

Thank you for your time and attention to this matter. Please confirm receipt of this complaint and provide me with any next steps necessary for resolution.

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 2025-02-12 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-02-12 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

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 2025-02-12 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: IN

Complaint narrative:
I just reviewed my credit report and was alarmed to find accounts I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened.

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 2025-02-12 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: OH

Complaint narrative:
Dear Euqifax In accordance with the Fair credit reporting act. The lest of accounts blow have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I am writing to formally dispute the medical debt appearing on my credit report with the account reference number [ XXXX XXXX ]. I have no knowledge of this account and have never received any communication, bill, or notice regarding this matter from either the original creditor or your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with full validation of this debt, including the original creditors name, the amount owed, and a detailed explanation of how the debt was calculated. Additionally, please provide proof that I was properly notified and that this account is indeed valid and belongs to me. 

If you can not provide this information, I request that you promptly remove the disputed account from my credit report. 

Attached are copies of my identification and a recent utility bill to verify my identity and address. Please acknowledge receipt of this letter and keep me informed throughout the investigation process. 

I look forward to your response within 30 days, as required by law. If you fail to address this dispute adequately, I will not hesitate to escalate the matter to seek legal counsel if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Mohela ( the servicer of my student loan ) regarding the failure to accurately update my credit report to reflect that all of my student loan balances have been brought to zero. Despite my efforts to resolve this matter directly with Mohela, they have refused to update the information on my credit report, which is causing significant financial hardship.

I have been diligently exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute the inaccurate information reported by Mohela with the three major credit bureaus : XXXX, XXXX, and XXXX. I have submitted a written dispute to Mohela, which they have received. However, Mohela has failed to take the necessary steps to update my credit report to show that my student loan balances are, in fact, XXXX. 

This ongoing error is causing my reported credit debt to appear higher than it truly is, which is having a detrimental effect on my credit score and my financial well-being. As a result, I am unable to access credit at favorable terms, and I am facing unnecessary financial hardship due to the inaccuracy. 

I am requesting immediate intervention from the CFPB to compel Mohela to correct this error and update my credit report to reflect the accurate balance of XXXX. I trust that the CFPB will take prompt action to protect my rights under the FCRA and ensure that this matter is resolved as quickly as possible. 

Thank you for your attention to this urgent issue. I look forward to your immediate response and the swift resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a request to update my personal information removing old names and addresses that no longer belong to me. They no longer apply as they are not me and I don't live at all these places nor have all the numbers listed. It is my right to have on my report what I have authorized, and I want that information removed. I put in the request to the credit bureau to remove it and I was told the names and addresses, and old phone numbers do not affect my credit score. And my request was totally ignored. I don't care that it doesn't affect my score I ask for them to remove it and they failed to honor my request.

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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-12 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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