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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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: 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:
On XXXX XXXX I requested for Experian, to do a full investigation on XXXX XXXX XXXX XXXX Also provide me with verification that I owe this fraudulent amount of {$4500.00}. They have yet sent me any proof showing I owe this {$4500.00} fraudulent amount. the original creditor is XXXX XXXX XXXX. I dont owe them anything all my payments made on time I have provided Experian with my copy of rental Agreement and copies of all my payments made on time. All they keep doing is updating the date and amount refuse to investigate with the original creditor my proof of documents I have sent them Im asking that the remove this XXXX XXXX XXXX XXXX from my credit profile.

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: FL

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable esponses, and failing to adequately notify consumers of dispute outcomes. These ailures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I rovided, causing 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SoLo Funds Inc.
State: OR

Complaint narrative:
I would like to file this complaint against XXXX XXXX for hacking my debt card online and stolen {$610.00} dollars from my checking account XXXX On XX/XX/year> due to my personal information being stolen from XXXX XXXX Breath my social Security my driver 's license my XXXX mail this is the way XXXX XXXX Hacked my checking account with debt card # last XXXX degit XXXX number I want Solofunds to refund my money back with interest asap before i file a massive lawsuit against XXXX XXXX but i want CFPB to charge Solofunds for stealing from my debt and checking and hacked my personal information and take advantage from my financial institution XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX failed to protect my personal Bank account i believe there is red flag from XXXX XXXX  anyway I'm looking for some help CFPB to help me recovery my money as soon as possible.

Company response to consumer: Closed with monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im frustrated and overwhelmed by the repeated errors on my report. These inaccuracies are damaging my score and preventing me from accessing opportunities Ive worked hard to achieve. Its unfair that I have to deal with the fallout from someone elses mistakes.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I was charged by XXXX for a subscription that I had signed up for. However I canceled the subscription because I was not using it enough. I canceled the subscription through XXXX before the deadlines so I should not have been charged. 

In the narrative below every time I either placed a call or went into a branch, it was all because PNC is refusing to issue me a provisional credit. Thats what this is all about below. Thank you I called the PNC bank call center because my balances didnt match and during that call I disputed the transaction. This occurred around XX/XX/XXXX. They took all my information so they could start an investigation. On XX/XX/XXXX, I called to inquire about the status of the dispute and learned that PNC had sent a letter to me which I did not receive. I asked them to send the letter again please. 
On XX/XX/XXXX I passed by my local branch to see if I could get the form faxed or emailed to the branch. There wasnt a single customer in the building but because theres only 1 teller and 1 banker who had an appointment XXXX minutes later she told me to come back which is ridiculous. 
I then called the call center and the representative said no provisional credit. I asked for a supervisor and was refused one. I asked the representative multiple times to speak with someone in senior management or leadership. 

I have been told because of the amount {$320.00} that PNC will not issue a provisional credit for my situation. I begged the representative I spoke to at a second branch, completely different from the original branch I went to. I begged the representative to please have them fax or email whatever forms they need so I can complete them immediately. I have told or shown each representative the PNC virtual wallet account agreement which states we will determine whether any error occurred within 10 business days if we need more time we will provisionally credit within 10 day. I also showed them Regulation E which as you know talks about the error resolution process. Still I am unable to access those funds because my bank unilaterally decides to ignore the account agreement we agreed to when I opened the account as well as disregarding a federal regulation. 

I have asked to speak with anyone in senior management but as of XXXX on XX/XX/XXXX, I have not received a response from senior management. 

I need your help to get PNC to honor their agreement.

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 — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I share this account with my ex-husband, we each have an ATM card. He requested a replacement ATM card. The ATM card never arrived to him, it was intercepted at some point - stolen from the mail. The theif activated his card and put their own pin. They made {$5800.00} of withdrawals over two days, XX/XX/XXXX and XX/XX/XXXX, as well as a few online charges totaling around {$1000.00} at video game websites. I contacted Chase within a day of these charges and they denied our claims saying that because a valid pin was entered, these are authorized charges. They will not re-open the claim. The atm card was stolen and this is atm fraud. The bank should be crediting us for this stolen money.

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: MD

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 issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed ton investigate claims adequately. They informed me that recovering funds was impossible and that was tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX Lexis Nexis Business Department called me to discuss the inaccurate data on my business report.

I. I have spoken to Lexis Nexis Business Department on the phone verbally twice regarding the inaccurate information on my business report line by line. I've also uploaded my business documents 3 times with confirmation they are received verbally. 
II. You can not call their business department direct the number XXXX is still the consumer reporting line. An agent takes your information to put in a ticket for a business representative to contact you. 

III. I have received the exact business report same as the 6 other inquiries submitted. There are not any changes to the data for my business. 

As of today XX/XX/year> each item identified with the correct information provided remains inaccurate and Lexis Nexis keeps sending the same business report stating they do not know what data is inaccurate. 

Everything is inaccurate in Lexis Nexis database, there isn't any company that should be allowed to operate and provide inaccurate data to banking institutions. XXXX XXXX XXXX uses Lexis Nexis for business line of credit and lending eligibility without any verification the reports being used are accurate.

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: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
" American express '' sent me a letter with XXXX $ charge for " Blue cash preffered card '' in XX/XX/XXXX. 

Explained to them on chat that I never ordered, never received, never activated that card. Never used that card. Never had it. Do not have it. 

She promised that they will delete that account and charge. 

Unfortunately that was not the end of it. 

They sent charges again in XXXX of XXXX. 

After another chat with them problem is still not solved. 
Can you do something about it?

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: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I sent money through my XXXX XXXX XXXXXXXX using the Zelle option > I got scammed and couldnt get my XXXX back from it since XXXX XXXX XXXX couldnt do anything for me neither could Zelle since I used XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
In XX/XX/XXXX, I enrolled with XXXXXXXX XXXX Comentity autopay. 

I carried a XXXX  balance for months. 

In XX/XX/XXXX, I made a {$54.00} purchase. 

In XX/XX/XXXX, the payment was pulled through autopay. I had more than {$54.00} in our account. I then get a {$29.00} late fee added and a 30 day late added to my credit report. 

I went to my account and manually paid ( autopay was still active ) the {$88.00} now due. They charged me a {$29.00} late fee and continued charging interest. 

I tried calling multiple times to resolve the issue and kept getting shut down over the phone. Terrible bank and terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation Dear Equifax, I am writing in response to your recent communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. 
Please provide the following information : 1. The amount of the alleged debt. XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
2. The name of the original creditor.

3. A copy of the original agreement or contract that creates the debt, or an account statement showing the history of the debt.

4. Any judgment details if the debt is related to a judgment.

5. Proof that you are legally authorized to collect this debt in my state. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit bureaus. If you are unable to provide the requested validation, I expect that you will promptly remove this account from my records. 
Please send all documentation to my address listed above. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX 2. Police Report filed with my local law enforcement agency.

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.

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:
Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : 1. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX 2. Police Report filed with my local law enforcement agency. 

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediately : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is a followup to Claim # XXXX. I will enclose an email sent to me from American express that declined my credit increase due to XXXXXXXX XXXX lowering my credit limit.

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: Block, Inc.
State: TX

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

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: Block, Inc.
State: OH

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 Regulation 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 2025-01-16 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: MA

Complaint narrative:
I am formally writing to express my concerns towards the app Zelle regarding dispute money and transaction with customers recently in XXXX XXXX I made a transaction of {$1800.00}. I contacted them and they told me that the payment was irreversible and it was nothing they could do about it because at that point, the funds wouldve already been gone. despite using Zelle numerous times.The CFPB findings Indicate that not only has Zelle Neglected to protect consumers I also also allow repeat offenders to exploit the system

Company response to consumer: Closed with explanation