vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tacking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have 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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the Fair Debt Collection Practices Act : Account : XXXX XXXX  Account number : XXXX I received a copy of my credit report from XXXX and Experian. They are reporting inaccurate information about this account. This charge-off account is reporting I have a past-due balance of {$2600.00}. Also, I disputed this account Experian XX/XX/year> Report number : XXXX and XXXX XX/XX/year> File Identification number XXXX. As attached below I received an email from XXXX stating I paid {$11.00} on XX/XX/year> to XXXX XXXX, this is misreported. According to the FCRA, I have the right to an accurate credit report. Please remove this from my credit report and provide me with a new report reflecting this account removed upon completion.

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 2025-01-22 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Had my card stolen and someone used my account withdrew money ran up overdraft fees! Made my account negative and get closed down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CO

Complaint narrative:
My cash app was hacked and I called to close my account and they had said they did. Then I call back and someone changed the number on my account and email. I was hacked {$300.00}. This person is now running around with my name and account. I have contacts and money transfers from people. I tried telling cash app and they said there was nothing they could do about it.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested that experian to remove old addresses from my report and to delete inaccuracies from my report but i noticed that the old addresses are still on there along with unauthorized inquires i requested to be removed.

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 2025-01-22 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to formally dispute information on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I have noticed that despite these two account being charged off and closed on XX/XX/XXXX and XX/XX/XXXX, monthly late payments have been reported on my credit report continuously for the past six years, which is well beyond the permissible reporting period under the FCRA. Here are the specific issues : 1. Inaccurate Reporting : Under Section 605 ( a ) ( 4 ) of the FCRA, most negative items, including charge-offs and late payments, can remain on a credit report for only 7 years from the date of first delinquency. The continuous reporting of late payments after the accounts were charged off and closed is not only inaccurate but also extends the period beyond what is legally allowed.

2. Violation of FCRA : The act of reporting new late payments on an account that has been charged off and closed suggests an attempt to extend the statute of limitations or misrepresent the account 's status, which is a violation of Section 623 of the FCRA. This section requires furnishers of information to ensure the accuracy of the data provided to credit reporting agencies.

3. Deceptive Practice : This practice could be considered misleading under the Consumer Financial Protection Bureau 's ( CFPB ) regulations, as it misrepresents my current creditworthiness and financial status.

I request that you : - Investigate this matter promptly under Section 611 of the FCRA.

- Remove all inaccurate, outdated, or erroneous entries related to this account from my credit report.

- Ensure that no further updates are made to this account as if it were still active.

- Provide me with a written confirmation of the actions taken to correct my credit report.

Please acknowledge receipt of this dispute and inform me of the status of the investigation within 30 days as required by law. 

I have enclosed a copy of my credit report highlighting the disputed items and additional documentation related to the account 's status. I am prepared to provide further documentation or information if needed. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'M NOT SURE OF THE EXACT DATE BUT IT WILL SHOW ON MY CREDIT REPORTING FILE. I'VE SENT MANY LETTERS TO THE COMPANIES AND THE CREDIT AGENCIES, NOTHING CHANGES. 
I am writing to formally dispute the accuracy of certain negative items on my credit report. It has come to my attention that these items are not only impacting my credit score significantly but are also reported in violation of federal law. 

Specifically, I am referring to the late payment reported on XXXX Bank account numbers XXXX, XXXX, and XXXX. Also XXXX XXXX accounts XXXX, XXXX. XXXX  XXXX account XXXX. I would like to dispute all negative items on my report every one of them if not listed above. According to 15 USC 1666B ( a ), under the law passed by Congress, " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' The reported late payment is a result of an accidental oversight, and based on the aforementioned law, this item should not have been reported as late. I request that you investigate this matter and remove the inaccurate negative information from my credit report. 

Also, according to 15 U.S. Code 1666B - Timing of payments** ( 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.

If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Article I, Section 10 of the United States Constitution**, which states : " No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. '' This means that states are prohibited from making anything other than gold and silver coin a legal tender for the payment of debts. 

Please conduct a thorough investigation and correct the inaccuracies promptly. I look forward to your swift response and resolution of this matter, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this request. 

Sincerely,

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed these items with TransUnion, XXXX and XXXX. Nothing has been done even after providing proof. The only address that should be on my credit report is my existing address XXXX XXXX XXXX XXXX XXXX XXXX mo 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 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have disputed these items with XXXX, Experian and XXXX. Nothing has been done even after providing proof. The only address that should be on my credit report is my existing address XXXX XXXX XXXX XXXX XXXX XXXX mo 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 2025-01-22 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: GA

Complaint narrative:
I am writing to file a complaint against equifax for violating my rights per the Fair Credit Reporting Act requirements, per the 15 USC 1681e ( b ), 1681s-2. 1681i ( 5 ), and 1681c ( c ). I have disputed many times these items on my credit with no changes made and no resolution. I have been ignored which violates my rights. Equifax has refused to conduct a proper investigation about the fraudulent, inaccuracies and errors on my credit report. They have refused to correct any of these errors on my report as mandated by law which is illegal. 
I filed a dispute with equifax on XX/XX/year> this is my tracking number ( XXXX ) because of errors and fraudulent information on my credit report. The accounts I disputed were XXXX XXXX XXXX XXXXXXXX used cars XXXX XXXX XXXX XXXX XXXX There were several inaccuracies in these accounts. Equifax since that date forward has done nothing to correct the inconsistencies in these accounts. I sent them evidence that XXXX used cars was paid off in full by my insurance company because the car was totaled out in a auto accident. They have the car as a repossession which it was not. They have done nothing to change the fraudulent errors on my credit report. It is reporting that this account was a repossession when in fact it was not and was payed in full because it was totaled after an auto accident. It also does not have an account number and also does not show a repossession in payment history. There are several inconsistencies on my credit report from the accounts listed above that equifax has not addressed. This has effected my credit tremendously and I have not been able to get reasonable credit since. This is beyond unjust what this reporting agency has been allowed to do to my credit. 
There has been a recent CFPB enforcement action ( CFPB ORDERS EQUIFAX TO PAY XXXX XXXX FOR IMPO ROPER INVESTIGATIONS OF CREDIT REPORTING ERRORS ) this shows a clear pattern of there negligence to comply with the Fair Credit Reporting Act. I am also a victim of this behavior and have suffered tremendously because of the violations listed. 
Equifax actions violate the following FCRA provisions : 15 USC 1581e ( b ) failure to ensure the accuracy of consumer reports 15 Usc 1681s-2 neglect of duty to prevent and correct inaccuracies 15 USC 168i ( 5 ) failure to delete Inaccurate or unverified information 15 USC 1681c ( c ) continue reporting of outdated information.

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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2025-01-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX Balance : {$0.00}

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hi folks, morning morning XXXX 


so this is my concern folks they have repeatedly posted on my report, that i have a debt with them all of these reporting credit cards and i myself payed all of these accounts years ago like 2-3 years to be exact, ive tried to dispute them on the XXXX website and they tell me to contact the reporting credit card, and when i do the credit card wont help me this is outrageous please help me get these removed Bank of America date opened XX/XX/XXXX - status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX date opened XX/XX/XXXX - status updated XX/XX/XXXX thanks friends

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 2025-01-22 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: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian in regards to the email I was getting after I filed my dispute for the past 3 months now. My first call when I informed them I wanted it notated in my file that I was the person filling the dispute they said the could not and I had to file it over the phone. I asked for a supervisor and was kept in the phone for an hour. Called back again and was asked if I was working with a credit specialist and if so Experian doesnt allow that. I told them again the reason I called was to let them know that I was the one who filed the dispute. This has been happening since XXXX XXXX of last year. I was told to put a fraud alert on my account and other bureau would be notified. I was then told I would be transferred to the fraud department was on hold for over XXXX no one came to the there was no answer. Then on the same day XXXX at XXXX XXXX time I receive an email saying the results stayed even though I still had not spoken to the fraud department and they had said they were not going to do anything about the dispute. This is in violation of the fair reporting act

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I setup the account with Autopay and they linked my bank account and were supposed to take the money on the day the balance was due. Then the day came and the autopay did not work on XXXX  the day the balance was owed. I called on XXXX and they claimed my bank account did not work. I then manually paid the money with my debit card. I made it clear the mistake was on their end and I had successfully linked my bank and for whatever reason their system did not properly set up the payment with my bank. They agreed to waive all fees, interest, etc. Then I see a {$66.00} interest charge for two days of interest? If the XXXX  bucks or so was due on XXXX, and their system did not properly link to my bank why do I owe XXXX bucks of interest. They are thieves and liars. I want this fake interest waived.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief