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

Complaint narrative:
I would like to initiate an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. These accounts were removed earlier but have since been added back without my awareness. I have not been notified of their return, nor have I received any correspondence in the mail regarding this.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I call Equifax because I couldn't register my account due to an error HN called did the verification through their robot before I could even speak to a live agent.so did the verification was on hold 10 min then I got a agent that I told her I had tried register a account and I got an error HN to call so here I called.then instead of getting to the looking a the code HN she made me verifi my id again which made me a little frustrated then that was done she said their isn't a account with us I got a bit mad and I told her apparently because she didn't hear me tell her the first sentence I told her is upon me trying to register an account I got a error of HN code. She told me not to cop attitude I needed her help I then freak out and told her nope don't need her help I would file a complaint and civil suit that my rights of them having my SS number and me not being able to get my Credit score or file dispute I am suing and was hung up on.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 recovering lost funds was impossible and tracking these transactions was unfeasible.

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 zelle 's handling of disputes particularly in light of the recent CFPB lawsuit sinificantily highlighting issues with the system. Despite using zelle on multiple occassions and reporting discrepencies my financial institution and zelle failed to investigate adequately. They informed me that tracking transactions and recovering funds was impossible. The CFPB findings indicates that zelle has not only negated to protect consumers but also let repeat offenders exploit the system but left us consumers unprotected and vulnerable to continous scams.

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: 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. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially avaiable funds. I believe these practises 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I contracted with an individual owning an automobile restoration shop to repaint a vehicle owned by me. The individual requested that I pay a {$5000.00} deposit via XXXX to purchase materials and to start the labor. I did so using XXXX different credit cards, thinking that I would be doubly protected ( XXXX XXXX XXXX and my respective credit cards ' fraud protection policies. XXXX card was issued by Citibank, the other card was issued by XXXX XXXX ( XXXX XXXX ). Fast forward XXXX months after signing the contract, after being ghosted so many times and the person I contracted with being nonresponsive and full of excuses, I was told to have my vehicle picked up immediately. No substantive work had been done, and the materials that I supposedly purchased were not with the vehicle when it was picked up. I decided to file a fraud complaint with XXXX. XXXX said too bad, too late. Citi declined to allow me to dispute the charge, saying that there was a 90 day maximum. XXXX refused to assist. I have photographs of the car when it was picked up by the crook, and when it was picked up by my tow truck. I have the contract. I have text messages. It is VERY CLEAR that I was defrauded and the consumer protections offered by XXXX, and Citi have failed me.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a hard inquiry on my credit report that was conducted without my authorization. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent, which I did not provide in this instance.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TRANSUNION LLC Consumer Dispute Center 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 consists of 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 {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX  - {$390.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX  - {$370.00XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 FTC Report Number : 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 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: GA

Complaint narrative:
I have submitted disputes with Experian about things on my Credit report. They have failed to do a full and proper investigation and have made a decision that the information was verified and accurate after XXXX hours of disputing the collections on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions

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: CA

Complaint narrative:
Experian has not met its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as the failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not adequately notifying consumers of dispute outcomes. These issues mirror my own experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided, resulting in continued harm to my credit standing. I am requesting immediate corrective action to remove or correct the disputed accounts, as Experian 's inaction constitutes a violation of 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 2025-01-15 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: IL

Complaint narrative:
I am reaching out concerns with Zelle account, disputes seem to NOT be handled properly and efficiently. As someone who continued to use it, the disputes with CFPB lawsuit highlighted issues with the platform. I was told that apparently my transactions are infeasible, I distrust that type of process handling customer satisfaction and most importantly trust.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Dispute Department Subject : Dispute of Accuracy of XXXX XXXX XXXXXXXX Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXXXXXX account ending in XXXX that has been reported on my credit file. I believe this account has been reported inaccurately and fraudulently. Attached to this letter is a police report I filed, which documents the fraudulent nature of this account. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i Experian is required to : 1. Investigate Disputed Information, Conduct a thorough investigation into the accuracy of all details reported about this account.

2. Ensure Accuracy, Verify that every piece of information is accurate, complete, and belongs to me.

3. Provide Results, Supply me with the findings of your investigation, including the specific steps taken to verify the information with XXXX XXXX XXXXXXXX. 
4. Correct or Delete Inaccuracies, Remove this account immediately if it is found to be unverifiable, inaccurate, or incomplete. 
To comply with the FCRA, I request Experian verify : The accuracy of all information reported by XXXX XXXX  XXXX, including dates, balances, and alleged activity on this account. 
Proof of a valid and binding agreement bearing my signature or legal consent. 
Any supporting documentation XXXX XXXX XXXXXXXX has provided to substantiate the legitimacy of this account. 
If Experian can not verify the accuracy of this account in full compliance with the law, I demand its immediate removal from my credit file under 15 U.S.C. 1681c 2 which addresses accounts resulting from identity theft. I trust that you will treat this matter with the seriousness it deserves and ensure that all reporting on my credit file is 100 % accurate and compliant with federal law. Please respond in writing within the 30 day timeframe required by the FCRA and provide an updated copy of my credit report reflecting any necessary corrections. 
Failure to comply with these requirements will result in my filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX social Security XXXX Attachments : police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: CO

Complaint narrative:
Many calls received daily. They do not leave a message. I tried to call back today ask what they are about. They are asking my information in turn. Looks like it is a big fraud. Please verify this business.

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: EQUIFAX, INC.
State: GA

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 XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2024 we were contacted by one of our automatic payment creditors who informed us that our payment wasn't received. We contacted the bank on XX/XX/2024 to see what the problem was. Supposedly the account is locked on XX/XX/2024 for a fraud investigation but the bank never contacted us to tell us that. We were told that we would be contacted within XXXX business days of the lock being put on. Since that time, we have contacted the bank several times but can not get any information other than it is under investigation. The bank 's Fraud Department has refused to call us back to tell us what is happening or what the status of the investigation is despite numerous requests. 

We have had no access to our accounts since XX/XX/2024 ( and probably earlier ) and there has been no contact from the bank at all. At this point we are wondering if something nefarious is going on at the bank or if it is just general incompetence. My next step is to contact the Maryland Attorney General, Office of the Comptroller of the Currency and the FBI to request an investigation into M & T Bank to make sure that there is nothing illegal going on. As it stands now they have endangered our credit rating and they seem to have no regard for our financial situation. We don't have a large amount of money in the bank but being retired it is difficult to cover all our bills without access to our money. 

Anything you could do to help with this situation would be greatly appreciated. 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 non-monetary relief
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 about XXXX handling of disputes, especially in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite being a frequent user of Zelle and reporting discrepancies in my transactions, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to safeguard consumers but has also permitted 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: 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'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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