vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
I have requested and sent in supporting documentation to these consumer reporting agencies regarding inaccurate accounts, addresses and names present on my credit reports.

These inaccuracies violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which mandates that consumer reporting agencies ensure the utmost accuracy in the information they provide.

I know that the accounts in the included documentations are not mine and I have asked the consumer agencies to provide any and all documents or records they may have that related to the accounts - these agencies have not taken my requests seriously and have failed to provide any information showing the validity of these accounts. 

To be clear my name is XXXX XXXX XXXX, no other name is mine and no accounts with other names are mine.

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 2025-01-15 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: NY

Complaint narrative:
I have requested and sent in supporting documentation to these consumer reporting agencies regarding inaccurate accounts, addresses and names present on my credit reports.

These inaccuracies violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which mandates that consumer reporting agencies ensure the utmost accuracy in the information they provide.

I know that the accounts in the included documentations are not mine and I have asked the consumer agencies to provide any and all documents or records they may have that related to the accounts - these agencies have not taken my requests seriously and have failed to provide any information showing the validity of these accounts. 

To be clear my name is XXXX XXXX XXXX, no other name is mine and no accounts with other names are mine.

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 2025-01-15 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: FL

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 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 XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-15 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: DE

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. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX 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 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 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have Power of Attorney for my brother, XXXX XXXX XXXX and I need to access money in the closed accounts to pay for his care. I previously filed a complaint with XXXX. XXXX. CapitalOne, the bank, resonded by saying they require affidavits with accurate information. However they provided the incaccurate information to me. 

the bank- -sent the checks to the wrong address which required subsequent requests for checks to be reissued, including multiple charges to notarize affidavits -the bank provided inaccurate information to me XXXX requested an email from the bank with the accurate information required and the bank refuses to send that -I have left multiple messages with the bank that were not returned Yesterday I spoke with XXXX in the President 's office of CapitalOne who again refused to email the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: MD

Complaint narrative:
I am writing to file a complaintI 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 the lagged posting of charges and credit. 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 accounts 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 2025-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
3 years ago i tried to go XXXX. And first day i paid more than {$1000.00} and they said you have to pay every session. After first day my skin got problem and i got XXXX to the laser machine and doctor told me don't do laser for at least 2 years and I called to XXXX XXXX XXXX and i explained my problem and they said no problem and they cancelled my session. And after i don't know how many months other credit company called me and said you have to pay more than {$2000.00} and i explained to them and they said we need XXXX cancellation documents and i called XXXX they said already we sended email and again credit company called me and they collected me for nothing. They have problem together and i tried to get help from the collect company nobody help me. I have no debt

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I had sent {$1500.00} to the wrong person on Zelle and I did research and I learned that you were able to do nothing. I was upset and I didnt even try to claim my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I am requesting an investigation into these accounts, as there appears to be a discrepancy concerning their accuracy on my credit report. These accounts were removed previously but have been re-added without my knowledge. I was not notified about their reinstatement, nor have I received any communication about this through the mail.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am filing a complaint against Experian regarding inaccurate or incomplete information on my credit report. Despite my efforts to resolve the issue directly with Experian, the incorrect information remains, which is negatively impacting my credit score and financial standing. I have made multiple attempts to dispute the inaccuracies, including providing supporting documentation, but the issue persists. Specifically late payments and collection accounts listed. 

I believe that Experian has not followed proper procedures for handling my dispute or has failed to correct the information in a timely manner. As a result, my credit report is not an accurate reflection of my financial history, and I am experiencing negative consequences as a result. I am requesting that the CFPB investigate this matter and assist in resolving the issue promptly.

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 2025-01-15 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: NY

Complaint narrative:
It was sent as verified but its inaccurate never lived there accounts inaccurate not mine as well never got resolved been like this couple of years

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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: FL

Complaint narrative:
I have sent several documents to Synovus, was working with someone that stated he was the attorney for the bank. XXXX XXXX, I answered all his question and emailed him my updated police report XX/XX/year>. Never heard back from him. Left voicemails no returned call. Synouvs never sent me a affidavit to file in regards to this account that does not belong to me. I never received a card and never knew the account was opened until I saw it on my credit report. Which I immediately called to dispute with them in regards to this account opened in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-15 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: GA

Complaint narrative:
Over the past two years, I have been given the run around about 2 collections on my XXXX and Transunion report. 

On XX/XX/XXXX, I contacted the original creditor ( # XXXX ) " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, about a fraudulent lease obtained in my name with XXXX XXXX XXXX XXXX or around XX/XX/XXXX by a con artist ( XXXX XXXX XXXX. The original balance was {$13000.00}. They placed me on hold to get the supervisor after I supplied an identity theft report, approved police report, complained through the CFPB, and much more. They then offered a call back but never called. On XX/XX/XXXX, I contacted the debt collection agency, " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that they unlawfully sold my information to regarding the alleged debt and I explained to them the issue and the lack of communication regarding this matter. They said they would dispatch a fraud packet to my home address and agreed to open the investigation to remove. 

On XX/XX/XXXX, I attempted to contact the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), about another fraudulent lease obtained in my name in/ or around XX/XX/XXXX, with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and got an automated teller system. I then contacted the debt collection agency, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that they unlawfully sold my information to regarding the alleged debt, and I followed up on Dispute ID : XXXX. I explained how my rights are being violated and I never received an update regarding my dispute. I spoke with XXXX XXXX and he gave me his email : XXXX because he admitted they never communicated with me about needing the copy of the back of my DL and my notarized residency affidavit. I got these items to him immediately.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I ended a lease early. I paid the leftover balance in full XXXX XXXX XXXX XXXX XXXX XXXX I received a letter saying that I had a balance of the same amount paid left for me to still pay. I disputed the claim with submitted proof from the apartment that I had paid the balance in full. It's still on my credit report as unpaid and has drastically affected my credit score/profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: WA

Complaint narrative:
I am disputing the reinstatement of a collection on my credit report. I contacted XXXX XXXX  to request proof validating this debt, including documentation of my signature and lease information. Despite my efforts, they have not provided any supporting evidence or details. 

Without verification, I have no knowledge of the specific dates or amounts they claim I owe. This unresolved matter is inaccurate and is causing significant financial stress. The presence of this collection on my credit report is creating a financial burden and affecting my ability to manage my obligations. 

I am requesting the removal of this collection from my credit report due to the lack of verification provided by the creditor, as required by law. I ask that this matter be reviewed promptly and the account be removed to ensure the accuracy of my credit file.

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 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: NV

Complaint narrative:
every time i make a payment. i feel like nothing is going to the principal to pay off the loan instead all of it is going to interest and the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TN

Complaint narrative:
I am writing to formally express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite having used Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was not feasible. The CFPBs findings reveal that Zelle has failed to adequately protect consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
I am writing to formally express my concerns Regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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, where Experian has either corrected nor removed 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 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