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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please see attached. 

The following still isn't represented correctly after over 6 months, as seen in the screenshots ( transaction history and dates even after you " validation/investigation aren't correct ). 
This is a violation of 16usc 1681 c-2 and is considered WILLFUL NONCOMPLIANCE or Fraudulent Misrepresentation. All details are attached also, my Affidavit of Facts have been sent notarized via certified mail as of XX/XX/year>2025 2025

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 collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC
State: TX

Complaint narrative:
Duplicate entries added to my XXXX credit report. Which double dinged me in the process of getting financing. To begin with this is not my debt. XXXX ( original creditor ) went thru XXXX which was not my account but from a previous employer. I held no financial responsibility just a employee.This matter has been with a lawyer but these debt buyers keep selling off the debt to another whenever documentation presented.

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 expressed my concern 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 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has allowed repeated 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: Incorrect information on your report — Account information incorrect
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 2025-01-16 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive had an account with chase and I used XXXX. The app would never verify the amount nor if it was the right person when sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Opened a NEW Harbor Freight charge acct in XX/XX/XXXX. Card is serviced by Synchrony Bank. Promotion was get 10 % off entire FIRST purchase when you open an account. I made my 1st purchase on XX/XX/XXXX and rec 'd 10 % discount as advertised. Also included as a CARDMEMBER benefit promotion was to receive 5 % unlimited rewards -OR- to receive 0 % interest ( amounts over {$290.00} & equal payments ). Go to harborfreight.com/credit and you can view the offer on their website. 10 % discount to open an account & use for 1st purchase THEN either 5 % rewards OR 0 % interest terms. I placed {$3500.00} on the card for 1st purchase which was NET of the 10 % new acct terms. I received XX/XX/XXXX statement for {$3500.00} and paid {$150.00} on XX/XX/XXXX within terms. I calc 'd the {$150.00} myself as a means to pay the purchase off in 24 mos even though one of the items qualified for 36 mos. I received the XX/XX/XXXX statement and it had {$92.00} of interest charges ( 31.99 % APR ). I called Synchrony on XX/XX/XXXX and was told by C/S rep that I had taken 10 % discount on purchase and items didn't qualify for 0 % free interest. IE : it was 10 % disc OR 0 % interest - not both. I went back and reviewed Harbor Freight website and it was clearly stated as I have described above. I called back same day and got a C/S Mgr XXXX and explained the issue. Actually, I suggested that it was blatant fraud on Synchrony. I told Mgr to go to HF website to view herself. The Mgr did fairly easily credit back the {$92.00} interest charge however I am not confident that the account is now managed as 0 % interest for the duration. The Mgr stated it would go to the " Promotions Dept '' for review and I would be contacted. I also told XXXX that ALL NEW ACCOUNTS should be reviewed and any finance charges should be adjusted. I commented that the verbage for the promotion was clear on HF website and suggested that this was a fraudulent practice by Synchrony. The statement even includes 0 % promotional advertising on page 2. I was fortunate to have caught this but what about the thousands of other customers? Synchrony or Harbor Freight is not going to willing go back and adjust accounts on their own. CFPB must investigate and correct this!

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 — Account information incorrect
Company: Experian Information Solutions 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 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 had an account with Navy Federal and I was always getting charged a huge amount of fees

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
All three credit score companies are reporting outdated info and false info they are all three reporting different things entirely XXXX Experian and XXXX that it hurting my every move to try and better myself and family please help under the FCRA law

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
TransUnion 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 TransUnion, 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 TransUnion 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 TransUnion '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 2025-01-15 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: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
Around XXXX of XXXX, I encountered a troubling issue when my Navy Federal Credit Union debit card was declined while I was attempting to make a small purchase at a convenience store. Despite having sufficient funds in my account, I was compelled to use my credit card instead. 

Upon reviewing my account, I discovered multiple unauthorized XXXX XXXX charges totaling approximately {$7900.00} USD. I immediately contacted Navy Federal Credit Union to report these unauthorized transactions and provided all requested evidence, along with a detailed explanation of the situation. Unfortunately, I was unable to determine how these charges occurred. 

As a customer with a heightened concern for bank security, I was reassured during my initial account opening that Navy Federal would never allow transactions exceeding {$500.00} USD to be processed without proper authorization and authentication. Consequently, the multiple unauthorized XXXX XXXX charges exceeding that threshold were particularly alarming and contradicted the assurances I was given. 

After waiting several months for a resolution, I reached out again, only to be told that they could not take further action regarding my claim. My subsequent inquiry received a discouraging response, leaving me feeling hopeless and frustrated.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

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

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: NM

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 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 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. The 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year> venmo stole money from my XXXX XXXX account even though I had a large balance on venmo, they had no reason to take money from my account. Today XX/XX/year> when I should have about XXXX dollars left, venmo claims I have a negative amount when I cant even overdraft this card. Where is my money? Why did they freeze my account?

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: FL

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 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My data was leaked and my privacy was broken I want my derogatory marks wiped 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 2025-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
From the first week of me being a tenant Management was nothing short of dismissive, and disrespectful.

1. ) I requested for maintenance to come insulate the windows in my large 2 bedroom apartment, as my electric bill was skyrocketing due to no insulation.

Not only did the office manager ( XXXX XXXX ) deny and cancel my request she then later denied and stated that she didn't. Despite documentation showing online ( User Portal ) that the request was cancelled under her credentials specifically. 

Due to my requests being continually dismissed via phone and online ( User Portal ) My electric bill became unsustainable which ultimately resulted in me having to leave my home.

2. ) Prior to my departure I stated ( Via phone ) that I would be moving out 2 weeks in advance of the new month of XXXX ( XXXX ) My lease was over XXXX of XXXX, in which I should have not been fined for " breaking my lease. '' In which I was! 

The weeks leading to / and following my departure were emotionally damaging and financially devastating due to the treatment wrongfully initiated by XXXX XXXX XXXX XXXXXXXX, in addition to their collection agency ( Hunter Warfield ) XXXX XXXX XXXX has charged me for breaking my lease, and cleaning my apartment. Despite me having documentation of a fully cleaned apartment upon departure.

3. ) I was charged for taking 2 carbon monoxide detectors, even though it was stated that the detectors were on property but temporarily detached as the battery needed replacement. Both were located on top of the kitchen cabinets, all in which I alerted management.

4. ) They charged me for painting of the apartment when the property was experiencing structural damage. All in which were causing the walls to crack paint. 
I moved into my apartment in XXXX of XXXX The structural damage was not repaired until XXXX of XXXX. Yet I was charged for paint cracking upon my departure of the property.

5. ) While cleaning my apartment for departure, I received an email from the property 's office manager ( XXXX XXXX ) who falsely accused me of bursting the pipes downstairs, and that the downstairs tenant didn't have hot water. I however was able to clean my apartment for departure with boiling hot water, and confirmed with my neighbor that he had hot water ( and ) electricity. The office manager ( XXXX XXXX ) continually attempted to create false accusations in attempt to accrue a debt balance for my credit report. 

All of these fraudulent charges have been made out of spite, and prejudice. All of these attacks have been personal and made out of spite, in attempt to damage my credit and reputation.

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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX 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, XXXX 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 XXXX 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 XXXX 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 2025-01-15 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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the 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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about customer 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation