vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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 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 failed to investigate my claims adequately, they inform me that recovering lost funds was impossible, and 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 concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was going to send money with zelle, before i clicked confirm, i exited out because i bno longer needed to send the money. When i went back into my bank account i noticed zelle did take the money out from my account without my consent. I called zelle right away but they said there was nothing i could do since the money was already withdrawn from my account, they said i needed to contact my bank, and my bank said i needed to contact zelle. Was never given my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth Third Bank posted overdraft fees to my account on XX/XX/XXXX in the amount of {$110.00} right after I made a deposit of {$110.00} to cover my transactions. The notification that is sent out says that customers have until midnight to make a deposit. But a branch representative told me that the system actually calculates XXXX hours from when the charged was made, not even posted or processed to the account. This overdraft cause my balance to be negative. I made two more transactions and transferred the money to cover the transactions of {$93.00} on XX/XX/XXXX, assuming that Fifth Third would reverse the {$110.00} worth of fees. The customer service representatives refused to make the reversals, and so my account was charged an additional {$37.00} on XX/XX/XXXX and another {$74.00} on XX/XX/XXXX. I brought my account current on XX/XX/XXXX. But the regional branch team refused to approve of the crediting my account. I finally received a reversal of {$110.00} on XX/XX/XXXX via chat after seeing a negative XXXX post of other bad experiences but customer service representatives and supervisors refused to credit the remaining overdraft fees of {$74.00} that were a result of the initial erroneous overdraft fees on XX/XX/XXXX, saying that the calculation was correct, there's a limit on many or much overdraft fees can be reversed and no one in the whole bank 's organization could help me straighten out my account. This is a horrible display of banking ethics and fraudulent scheme of not taking accountability for their system calculations and communications. I've only been told repeatedly that nothing could be done to satisfactorily resolve this issue in a timely manner, that such timelines and information are NOT disclosed to customers but to reach back out in the future for these reversals that happened presently, and tossed around numerous times without substantiated evidence that I was not curing my account with the adequate and on time deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS

Complaint narrative:
My husband XXXX XXXX XXXX purchased a XXXX XXXX XXXX on XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX . The truck had several problems so Nissan bought the truck back on XXXX XXXX XXXX using XXXX as the Arbitrator the case # XXXX and XXXX XXXX was handling the case. Nissan gave me {$6800.00}. That was for the {$1400.00} down payment I made, the payments I made on the truck the year I had it {$6400.00} minus the Usage amount of $ XXXXThey would not give me the interest I paid on the car in the amount of {$3400.00} and the Mississippi Lemon law stated they had to give me everything I paid on the truck including the extended warranty I paid {$680.00}. but they owe me {$380.00} and they refuse to pay it they blame each other when I call for my money.They paid me back {$300.00} on the warranty and beating around the bush about the balance. They paid the truck off in the amount of {$53000.00}. That was the total of my contract. But, XXXX didn't refund me the interest I paid.XXXX XXXX told me I can get me a lawyer I don't quailify for it. The Warranty was being handled by XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am reaching out to whoever can help assist me, I recently came across this lawsuit and found out that Experian has violated FCRA guidelines with Law 15 USC 1681, 15 USC 1681i ( A ) 1, 15usc 1681i ( a ) 6 ( B ) 3 Investigation protocol, and 15 USC 1681i ( a ) ( 5 ) B Reinsertion protocols. This experience has been both frustrating and disheartening, as it has significantly impacted my financial opportunities and personal well-being. I firmly believe that Experian lack of diligence and adherence to the FCRAs requirements undermines consumer trust and places undue burned on individuals striving to protect their financial reputation. 

I support holding Experian accountable for these violations and am committed to advocating for greater transparency and accountability in the credit reporting process. No consumer should have to endure the challenges I faced due to errors and negligence in handling sensitive financial data. I have for the last year have been disputing promptly to Experian when I found out they failed to conduct a thorough investigation within the timeframes mandated by the FCRA. The company either failed to address the inaccuracies or reinserted the disputed items without proper notification or verification, compounding the harm to my financial standing. The inaccuracies adversely affected my credit score, leading to denial of credit, higher interest rates, and difficulty securing housing. Thank you for considering my statement. I am available to provide any additional details to support this claim.

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 2025-01-21 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
XXXX ) XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX

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 2025-01-21 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: SC

Complaint narrative:
On XX/XX/year>, I received a notification of a data breach indicating that my personal information, including my Social Security number, credit card information, drivers license, and other sensitive data, was compromised. As a result, I have been a victim of identity theft, leading to the creation of multiple fraudulent accounts and unauthorized inquiries on my credit reports. 

Despite filing disputes with credit bureaus and creditors, these inaccuracies remain unresolved, causing significant harm to my credit profile and financial well-being. The scope of this fraud is too extensive to name every single account and inquiry, and I request a comprehensive removal of all accounts and inquiries associated with fraudulent activity. 

Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries to Be Removed : All

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. F urthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fai

r Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as
highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I was part of the XXXXXXXX XXXX XXXXXXXX class action against Depatment of Ed. I attended the University XXXX XXXX XXXX campus. I received my settlement letter in XXXX of 2023. My loans were discharged in XXXX of 2023. I was supposed to receive a refund of all of my payments per the settlement letter. I have XXXX qualifying payments at XXXX totalling {$18000.00} in refund. Mohela calls me 2 weeks ago to update address so they can send the refund.i call them back to confirm the amount and I experience 4 hour wait times that end in disconnection and the website no longer gives access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WI

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: AZ

Complaint narrative:
Allied Interstate calls me repeatedly, even on XXXX XXXX. 

The last phone call was from XXXX on XX/XX/year> at XXXX XXXX  I called back. This is the third time I request a copy of the signed contract I have with Allied Interstate be mailed to the address they have on file before I will verify any information over the phone. 

The first time I requested this information, the man yelled at me and said, " you guys always request this and nothing ever happens! '' he then hung up on me. 

The second time I made my request, I told the man I was recording the call. He was very polite, thanked me, and said he would do it. 

Today, my third request, the man I spoke to, XXXX XXXX, asked me repeatedly if I was refusing to verify information over the phone. I told him I would not verify over the phone UNTIL they sent me what I was asking for. He said since I was refusing, there was nothing they could do.

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT : XXXX Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your. 
I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS

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