vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax and the associated information furnisher for inaccurately reporting late payments on my Auto Loan account with account number XXXX This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).

1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5. 
XXXX. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: TX

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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I sent a payment of XXXX to Citibank via usps priority mail on XX/XX/XXXX. It was picked up, then cashed by citibank on XX/XX/XXXX. 

I called XX/XX/XXXX to find out what was going on and they opened a dispute. They said it would take 30 to 90 days but she was removing that amount from the account. 

The payment was not applied to my account as of XX/XX/XXXX. And I'm still being harassed by calls and emails. I called to see why. The customer service rep found no indications of a dispute being opened. There were no notes on my account at all. She refused to help figure out why and said a dispute would take 60-90 days because they were busy. I tried giving her information but it was obvious she did not care. She said my acct was still past due and I needed to pay an extra XXXX or so dollars. I made a XXXX payment and had a copy of the cashed check but again she didn't care. I dont have extra money now. I told them to stop calling but she refused without deleting my phone number from the account completely. The dispute people had said I had to keep the phone number so they could identify the check and verify my account. I'm being given the run around.

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 monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint for incorrect late payments reported on my credit report during the XXXX national emergency period. These late payments were recorded for account XXXX XXXX XXXXXXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent.

The CARES Act was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, creditor XXXX XXXX reported my account as delinquent, which unfairly impacted my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX XXXX  and requested that my account status be corrected to reflect a " PAID/ACCEPTED '' or " OK '' status for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I request that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: TX

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 times and report discrepancies, XXXX XXXX and zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions were infeasible. The CFPB findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is unacceptable and i have lost {$1000.00} due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent my Opt-Out Notice to NR/SMS/CAL, and I am filing a formal complaint against NR/SMS/CAL for blatant violations of my consumer rights. NR/SMS/CAL has flagrantly ignored federal ( Gramm-Leach-Bliley Act ) and New Jersey state ( NJ Identity Theft Prevention Act ) laws by failing to provide me the opportunity to opt-out before unlawfully sharing my personally identifiable financial information with third parties, including financial institutions and consumer reporting agencies. I explicitly notified NR/SMS/CAL that I did not consent to the sharing of my private information. Their responseasserting the right to share my financial information per their Privacy Policydirectly contradicts their own policy language and the GLBA. They acknowledge federal and New Jersey privacy protections, yet refuse to apply them to my case, demonstrating willful negligence and disregard for consumer rights. Moreover, I have never signed any contract or authorized the sharing of my nonpublic personal information. Despite my repeated demands for a full account accounting, including documentation signed by an authorized representative, NR/SMS/CAL has refused to comply, providing only a Promissory Note. This note exposes multiple violations of the Truth in Lending Act ( TILA ) and fails to clarify the funding source or the true amount owed. This practice constitutes deceptive conduct and an invasion of privacy under the NJ Identity Theft Prevention Act. Federal law ( 15 USC 1681a ( q ) ( 3 ) ) defines identity theft as fraud involving another 's identifying information. By sharing my financial information without consent, NR/SMS/CAL is committing identity theft under federal law, violating 18 USC 242 by depriving me of rights under the color of law and engaging in extortionate credit collection practices under 18 USC 894. New Jersey Civil Code voids contracts designed to exempt entities from accountability for fraud, willful injury, or unlawful actions. The Promissory Note serves as a tool for identity theft, rights deprivation, and extortion, rendering it void and unenforceable. The Promissory Note and associated practices also violate TILA, UCC, and XXXX. I demand that this unauthorized account be removed from my credit report immediately and reserve the right to seek damages for violations of the XXXX, NJ Identity Theft Prevention Act, FCRA, TILA, UCC, and XXXXXXXX NR/SMS/CALs actions are egregious, and I expect immediate resolution and accountability.

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 2025-01-15 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 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.

59

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Zelle had sent money off my account that I have with XXXX XXXX. There was never a confirmation or anything and money was swiped off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 against Navy Federal Credit Union regarding multiple overdraft fees that have been unfairly assessed to my account. 

The fees in question were charged despite my account having sufficient funds when the transactions were authorized. However, due to delays in the posting of charges and credits, the transactions later settled with insufficient balances, resulting in overdraft fees. 

This issue appears to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices by Navy Federal Credit Union. According to these findings, fees were imposed on transactions that initially had available funds, which I believe constitutes an unfair and deceptive practice. 

I respectfully request an investigation into the handling of my account, particularly the overdraft fees that I have incurred. I believe these charges should be reviewed and refunded as they were not properly assessed based on the timing of my account activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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 2025-01-15 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: NY

Complaint narrative:
the accounts showing on my credit report were opened fraudulently. i had no knowledge of these accounts. i gave no one consent to use my information to open any kind of 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 2025-01-15 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: NY

Complaint narrative:
the accounts showing on my credit report were opened fraudulently. i had no knowledge of these accounts. i gave no one consent to use my information to open any kind of 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 explanation
Consumer complaint received 2025-01-15 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 XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting financial discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  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 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-15 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: IL

Complaint narrative:
Illegal Suprise Overdraft Fees Caused Harm To My Account On Multiple Occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

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: IL

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 2025-01-15 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Issue with : Alliant credit union, XXXX XXXX and XXXX XXXX ( out-of-business ) I was sold solar panels through XXXX XXXX with a XXXX XXXX so I'm now curious, since the company is out-of-business and virtually untraceable, does my lifetime warranty continue still and to whom to I report an issue to now? I want answers as to why these shady solar companies are allowed to do business and offer such warranty though the company is very expendable. It's almost like they exist to just financially wreck people and then just close only to reestablish as under a different name until that name is also sullied. Beyond that is the fact that I was great over-charged by an immense sum, so much so that II can not refinance due to the enormous debt-to-income ratio given the nearly {$70000.00} lien/second mortgage which far exceeds the 50 % value of this quaint little home. I already mentioned how XXXX XXXXXXXX jacked up the month rate because I couldn't come up with {$30000.00} right out of the gate to satisfy some alleged clause they may or may not have in their paperwork. I mean they did sign a deal with the XXXX teaming up with XXXX so I would question ethics here, and paperwork. Also too Alliant Credit Union has some say in it all yet they try to absolve themselves by passing the blame off on XXXX. Can something be done about these folks pillaging consumers left and right?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Subject : Dispute of Inaccurate Account Information I am writing to formally dispute inaccurate information on my credit report. The account in question is listed below and contains errors that need to be corrected immediately. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) Disputed Information : XXXX. This account was closed and should be reflected as such. 
XXXX. The balance on the account should reflect an accurate balance of {$0.00}. The account was paid off in full. 
XXXX. The account status should reflect " paid off '' and " closed. '' XXXX. Update XXXX payment dates on XX/XX/2024 to XX/XX/2024 XXXX. Update Date of Last Activity to all credit bureaus I have attached supporting documentation, including a letter from the creditor confirming the account was paid and closed, to verify these details. Please conduct a reinvestigation and correct the inaccurate information as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
I have continue to communicate by phone to Mr. Cooper Mortgage Services and there has continued to be some miscommunication. I have not been able to gain access to my account online to submit a payment on a monthly basis. As of XX/XX/year> the system will not allow me access to submit a monthly payment so i can bring this account current which was initially became 30 day passed the due date due to a hardship ( water damage to my home which has been resolved and an reduction in income due to directly and some indirectly to the COVID-19 emergency.

resolved. 

XXXX XXXX : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation