vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: NV

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds was infeasible. 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 in the vulnerable to scams. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Aspire Credit Card sent me an invitation in the mail to apply which l did, then received email asking me to send a recent pay stub, copy if social security card and recent utility bill which l did, then on XXXX XXXXXXXX XXXX  l receive an email telling me l was denied because of Credit Bureau Mismatch l have never received a response like this, they must have entered some wrong information on there part l monitor my credit files with XXXX XXXX, XXXX, and XXXX and there are no issues what so ever, so the documents l provide especially my social security card with my number there is NO MISMATCH as they state. I want they provide a full explanation. I called there customer service number as well as spoke to a supervisor that was a waste of time, as it was like talking to a recording. I seek your help. Thank You.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I received an American Express gift card from my aunt and uncle for XXXX on XX/XX/year>. The gift card is worth {$200.00}, however it is completely unusable and has declined every single time I have attempted to use it over the course of the year. I have tried payments on XXXX that have failed time and time again, I have tried adding it to my apple pay where it declines every time. I even tried to help pay my rent without success. I have reached out to the company and they say the card should work if I put my address as the billing address, they are wrong this does not fix anything and the card still declines. It continues to charge me XXXX cents for every attempt but usually reverses after a week. This is essentially theft, AMEX took money in exchange for a product, however the product is unusable and they are unwilling to do anything to rectify the situation.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-01-16 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: VA

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

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX. I received a text asking me to verify this transaction from a person who I was sending {$480.00} to XXXX XXXX. My response was " NO ''. 
I called Navy Federal CU to let them know that I don't know this person who said that I was sending her this money. Sent NFCU the screenshots to prove that my response was " NO ''. NFCU did no believed me so they refuse to give me my money back, also they would not give me the number the funds went to telling me that they could not give me that information it was private, so they just let her steal my money. I am still trying to get my funds back from Navy Federal CU they sent her my money after i told them I told them I did not authorize anyone to send money. NFCU asked me if anyone had my online account access it was stated that I was the only perrons with the online information and also, I had my bank card with me at the time. On that same day another unauthorized transaction tried to come thru as I was speaking to NFCU XXXX, for {$380.00} Purchase from a store in Texas XXXX XXXX in XXXX Texas on XX/XX/XXXX my response to that was " NO '', no funds were released. If I had not been on the call at that time, NFCU would have authorized and sent that payment thru as well. Something is going on at NFCU I am not the only person who has been scammed thru XXXX for NFCU customers. Please check into this we need our money back.

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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX. Despite having sufficient evidence when transactions were not authorized, my credit report has been affected by this issue. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where XXXX and other fraudulent transactions were reported to the credit bureaus. I believe these practices are unfair and request an investigation and to have these removed from my credit report per the FCRA GUIDELINES.

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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX. Despite having sufficient evidence when transactions were not authorized, my credit report has been affected by this issue. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where XXXX and other fraudulent transactions were reported to the credit bureaus. I believe these practices are unfair and request an investigation and to have these removed from my credit report per the FCRA GUIDELINES.

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 2025-01-16 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: CA

Complaint narrative:
When I used Zelle it charged me for an unauthorized transaction. I wasnt the one to do so. It happens more than a few times.

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: PA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute, in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering these lost funds were impossible and tracking these transactions were unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My personal information was leaked by XXXX, XXXX and XXXX XXXX in data breaches I have no knowledge of any of the debt thats on my credit reports it is not my debt due to identity theft

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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 2025-01-16 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 ( 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 '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 2025-01-16 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: CA

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 ( 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 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have XXXX Barclays cards. Both were hacked. I got a call from a woman that represented herself as an employee from the Fraud Department at Barclays. She has charged over {$20000.00} on my cards. When I call to get help from the Fraud Unit, I am told they will not help me unless I send them a copy of my Social Security Card front and back, my Driver 's license front and back and entire bank statement with balances etc. I am not willing to send them that information as I do not trust this was not an inside job. They will not allow me to access my account online and will not help me over the phone. They are trashing my credit which I do not appreciate. I have notified all 3 credit reporting agencies and am disputing all charges as I have not used these cards in 4 months. I was advised to file a report with you by the credit reporting agencies.

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 2025-01-16 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: CT

Complaint narrative:
Due to the recent CFPB lawsuit against Zelle. I am writing to express my personal thoughts and concerns with the mishandling of the disputes against Zelle. As a consumer through one of their bank partners. I use Zelle on a frequent day to day basis. In the past reporting discrepancies through my bank institution and Zelle, Ive been failed to be helped with any claims I have made. They failed to further investigate or report any reported lost funds. Stating that lost funds through their end in no longer accessible to them and tracking down any transactions were impossible. Through the CFPB findings they indicate that they have failed to protect consumers and have also allowed repeated offenders to exploit their systems. Leaving consumers prone to unwanted scams. The lack on accountability on Zelle is truly unacceptable and should be raising more questions on what us daily consumers invest our personal money into.

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: NY

Complaint narrative:
I am filing this complaint regarding Zelle 's involvement in unauthorized transactions and its lack of adequate consumer protections, which is highlighted in the ongoing lawsuit. Zelle has become a significant platform for peer-to-peer payments, but its practices fail to align with the safety standards consumers expect from financial institutions. 
This lack of accountability is unacceptable, and it puts consumers like me at significant financial risk. 
Zelle has not implemented effective measures to prevent unauthorized transactions or provide sufficient fraud protection, leaving us, consumers vulnerable to scams. 
When I reported unauthorized transactions, Zelle 's customer support denied liability, even in cases where clear evidence of fraud exists. We the victims are left without recourse to recover our funds. 
I urge the CFPB to investigate Zelle 's practices thoroughly and take action to ensure that the company implements stronger fraud protections and resolution mechanisms, complies with transparency requirements, and holds itself accountable for consumer losses.

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: PA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$190.00} XXXX XXXX XXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$430.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation