vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 ( 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 XXXX '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 2025-01-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 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 2025-01-25 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: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the account I marked inaccurate XXXX XXXX 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 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX has filed an FTC report for Identity Theft for data breach of my personal information being stolen in a XXXX XXXX data breach of multiple consumers personal information. Account is not mine but showing on my credit report of 3 bureaus, XXXX, XXXXXXXX XXXX Consumer is ordering LVNV Funding account number # XXXX to be deleted within 4 business days from alleged creditors LVNV Funding LLC data based, and not report it as confirmed to all 3 credit bureaus pursuant to Fair Credit Report Act section 605 ( b ). Also, alleged creditors is to not report and do not have consumers XXXX XXXX permission to report any alleged accounts and personal name to there data base to there portal to reflect on any credit bureaus data base because this is in violation of 15 USC 1681 ( b ). In closing XXXXXXXX XXXX is violating consumers consumers rights because there was no Knowingly formal agreed contract I entered in with LVNV Funding LLC. These are assumed contracts with my name and personal information on without the consent of Mypersonal information attached to this account alleging I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MS

Complaint narrative:
After carefully reviewing my credit report I would like the below inquiries deleted as I did not authorize these companies to obtain a copy of my credit report. The following inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The FCRA requires that all information be accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
I am writing formally express my concerns my concerns regarding Zelles handling of disputes, particularly in light of the recent CFRB 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 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 account and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from XXXX  within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already attempted to contact Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that XXXX complies with FCRA regulations and corrects this issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
It happened a couple years ago before the disclosures and warnings were put into place. Tried to get a refund and couldnt. I want to 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 2025-01-25 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: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours, stating that the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX 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 2025-01-25 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit 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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management known as MCM has contacted me multiple times. They purchased my information from alpheon credit with I was not aware of. They called multiple times and when I did speak with them I asked them to provide where I signed any type of agreement with MCM. I also told them that I wasnt aware of them. MCM stated that they arent going to provide me that info and that they will be filing a lawsuit if I do not pay them. This was in XX/XX/scrub>XXXX XXXX the amount is {$16000.00}. I am a single mom and Im afraid they will garnish everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
First I was scammed out of {$910.00} XX/XX/year> I put in settlement paperwork no response then every cashapp created afterwards I was told I violated terms of service without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was involved in a romance scam with a woman who scammed me into paying to recover her gold and diamond inheritance which we would have shipped to the US from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
Subject : Request for Resolution of Public Student Loan Forgiveness Employment Verification and Payment Count Update Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the lack of response and resolution from Federal Student Aid concerning my Public Student Loan Forgiveness ( PSLF ) Employment Verification submissions. 

I have submitted multiple Employment Verification forms, including one dated XX/XX/, to update my qualifying payment count. Despite these efforts, I have not received any correspondence or confirmation. As of now, I have over 120 qualifying payments and need these counts updated to proceed with a buyback of months placed into forbearance by a Texas judge. This situation occurred while I was, and continue to be, enrolled in the Saving on a Valuable Education ( SAVE ) Plan. 

On XX/XX/, I submitted another Employment Verification Form via both file upload on their website and fax, as advised by their representatives. Despite following their instructions, I have not received any updates. Additionally, I submitted formal complaints through their website twice, as directed by their staff, but no progress has been made. 

This lack of communication and action has left me unable to move forward with resolving my loan situation. I am seeking your assistance to ensure my Employment Verification is processed, my payment count is updated, and I can proceed with the buyback process. 

Thank you for your attention to this matter. I look forward to a resolution soon. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
Zelle has had a massive issue once it swapped into the chase website for me, wherein I cant confirm that I am sending my payment in to the right person. Additionally, the verification process isnt nearly as robust as XXXX. As such numerous times Ive sent payments to the wrong people and Zelle wont even allow a return once I ask the people if they got their transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I applied for a personal loan from SOFI on XX/XX/XXXX. 

I was having trouble uploading my pay stubs so the company requested I go through employment verification via email instead. An email was sent was sent to my employer on XX/XX/XXXXXXXX HR responded to the questions asked, verifying my employment. 

As I didn't hear back from SOFI, I called on XX/XX/XXXX and they told me the verification had not come through. 
My employer resent the email. I called to verify that they had received the verification this time. Still nothing. I asked for an alternate email address as the one they provided was clearly not functioning. They said there was no one else HR or I could contact directly. 

After days of back and forth, SOFI finally told me that my employer could call to verify my employment information. My employer called on XXXX to confirm all details. 
On XX/XX/XXXX I received a rejection letter reflecting my excellent credit score but saying that I was denied due to " excessive credit utilization ''. This information is completely false. 

I called that very same day and the representative told me that the rejection was based on my XXXX report and that I could contact them for a copy of the report used. 
I requested a copy of my report from XXXX and received it on XX/XX/XXXX. 
Not only does the report reflect my perfect credit score, it also stated that my credit utilization is good ( under 30 % ). Which I already knew as I do not use my credit card often! 

On XX/XX/XXXX, I called SOFI back and let them know that I had requested and viewed my report and that their reason for my rejection was in fact bogus. I asked them to confirm the credit card utilization that would be acceptable for approval. They could not say. I asked how their decisions are made. They could not answer. I was only told that the system is automated ( what?! ) and that I could try to apply again. 
I made clear that applying again would not help as decisions seem to be made randomly ( or perhaps based on criteria other than what a loan company should be looking at ). The worst part is that a friend of mine applied as well and was rejected even before submitting any proof of employment or other supporting materials. Was their decision simply based on her name?! 

I was told that a manager would get back in touch with me so we could get to the bottom of this. That was almost exactly 3 weeks ago and I have heard from no one. 
To say I am disappointed is an understatement. I would like more clarification on this rejection before escalating this further. It is unfortunate that someone with my background and credit history get rejected by an automated ( clearly flawed ) system with no further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I am filling a complaint with Equifax for failing to properly investigate my disputes regarding in accuracies in my credit report. Despite my submissions Equifax consistently respond within 24 hour that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding file number.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation