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: 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of incorrect personal information, collection account with XXXX  XXXX, closed credit card accounts with XXXX XXXX XXXX XXXX and XXXX XXXX, and an auto loan account with XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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: GA

Complaint narrative:
Navy Federal allowed many transactions on my checking, and savings account that caused overdraft on both accounts.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: DC

Complaint narrative:
Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, my identity was compromised and used to submit multiple fraudulent applications for credit cards and loans. 

After discovering this, I reviewed my credit reports from all three credit bureaus and contacted companies that had made hard inquiries during this time frame. Upgrade was one of the companies involved. 

On XX/XX/XXXX, I called and spoke with a representative at Upgrade to report that the application was fraudulent and requested that it be voided.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NC

Complaint narrative:
I mistakingly sent money from my cashapp account to the bank account associated with my cashapp. However the bank account associated with my cashapp is no longer being used and I no longer have access to it. I immediately contacted cashapp support to return the funds and they were unable to return the funds. I did explain the funds were not supposed to be sent to the unused bank account but to another cashapp user instead. The customer support was unable to reverse the withdrawal even after explaining I do not have access to the bank account that the funds were accidentally sent to.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion. 2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXXXXXX XXXX Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n. To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract SIGNED CONTRACT with XXXX XXXX XXXX XXXX nor do I have a SIGNED CONTRACT. With the original creditor. I have XXXX knowledge of this debt owed; They DID NOT provide me with the ORIGINAL contract with my hand signature agreeing to this account listed as I requested a month ago. They are also reporting them as being the ORIGINAL CREDITOR which is false .This company stated in their response that the debt is no longer with the original creditor whom I have no clue of and that it is now with XXXX XXXX XXXX XXXX XXXX Therefore this debt is non existent and has been apparently written off with the IRS using form 1099. Also I I am requesting a purchase agreement for the amount this debt was sold to XXXX XXXX XXXX XXXX for. 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 non-monetary relief
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: MD

Complaint narrative:
I am writing to state my concerns regarding Zelle 's handling of disputes, particularly in reference of the recent CFPB lawsuit that highlights significant issues with the Zelle platform. Despite using this platform numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds were impossible and and that tracking these transactions was unfeasible. The CFPB 's findings also indicates 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
There are missing direct deposits all over the country when ask for an update and estimated time they provided no answer and just apologize for inconvenience. It isnt just inconvenient it results in bills bouncing and fees being assessed when we can barely pay bills as it is. It also impacted being able to buy groceries for my children and pay the mechanic who has my car to pick it back up. We have funds with no access to them. Fixing the issue is a start but what about fees we accrue that we are responsible to pay when it wasnt our oversight that caused it. What about responsibility for the HARM not just inconvenience this caused. At least have some transparency to your customer it is our missing money, not your billions in profit off of us impacted.

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: NC

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. Things 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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
there are 2 collections on my credit report from Oliphant LLC that i do not know what they are.

Oliphant has never spoken to me on the phone, in person, or by mail about this debt and they have reported it to the credit bureaus and it is listed two separate times for the same debt, I do not owe any company the amount of debt they are saying i owe.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has filed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unverifiable response and failing to adequately notify consumers of dispute outcomes.These failure aglin with my experience, where Experian has neither corrected nor remove disputed items dispite the evidence I provided, cause 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint against XXXX and Transunion regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/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 2025-01-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint against Experian and XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, Experian has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Description of Issue : I am a victim of identity theft, and as a result, unauthorized access was gained to my wallet and/or XXXX, which led to my credit cards being stolen. During this time, I was unable to process timely payments on my XXXX XXXX XXXX account, as I was waiting for replacement cards and regaining access to my funds. Unfortunately, this led to a missed payment, which was subsequently reported on my credit report. 

After explaining the situation to XXXX XXXX XXXX, they refunded the late fee, acknowledging the unusual circumstances. However, the late payment still remains on my credit report, negatively impacting my credit score. This late payment is blocking my ability to refinance my mortgage into a better rate. I have no other late payments on any of my accounts, and this isolated incident is unfairly affecting my financial opportunities. 

I have filed an identity theft report with the Federal Trade Commission ( FTC ), and I have been a responsible customer with timely payments prior to this incident. Given that the late payment was caused by the breach and identity theft, and has been acknowledged by XXXX XXXX XXXX through the refund of the late fee, I am requesting that this late payment be removed from my credit report to ensure it accurately reflects my credit history and allows me to pursue better financial terms.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I had {$11000.00} stolen from my PayPal account. Someone hacked my account, changing my password, security questions, e-mail, phone number, and bank account. They changed the default contacts, so I did not know any of this occurred, especially since I am not very active on this account. They transferred my balance to their bank, XXXX XXXX XXXX Bank, on XX/XX/year>, which I have never heard of or had an account with. Then they transferred money from my bank account, XXXX XXXX, to my XXXX account. On XX/XX/year>, they took the money from my XXXX account that they transferred from my bank account. XXXX is claiming authorized use and login, which is a total lie. I keep calling XXXX, and they say they will get back to me in XXXX days each time. I never hear from them. I keep appealing. I figured this all out on XX/XX/year>, calling XXXX immediately. They told me on the phone during my reporting, that I would be covered and reimbursed 100 %. I have not been reimbursed anything yet. I changed all my passwords after that to all digital wallets, banks, social media, and e-mail accounts. The XXXX in the attached photo is the phony e-mail that was added to my account, set as default. The XXXX phone number that was added in the attached photo is not my phone number. The hacker of course removed their bank account.

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: OH

Complaint narrative:
I am formally expressing my concerns regarding Zelle 's handling of disputes, in light of the CFPB lawsuit regarding issues with the platform. My bank and Zelle have failed to investigate my claims and informed me that recovering lost funds was not possible.

Company response to consumer: Closed with explanation