vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a free credit report once every 12 months, and I have made repeated requests for this information during the years of XXXX, with heightened contact in the months of XXXX to XX/XX/year>. Despite this, I have not received the necessary documentation or credit score, which has led to significant personal and financial hardship. 

I am a XXXX veteran, whom needed to relocate d

ue to the complexity of my injuries. Due to your failure to deliver the required credit information, I have been unable to access my credit score and report, which has severely impacted my ability to purchase a home. As a result, I have been denied mortgage opportunities and have incurred significant financial setbacks, including but not limited to the loss of earnest money deposits and increased costs for housing. This failure has directly contributed to unnecessary financial stress and debt. I have kindly requested an immediate investigation into this matter and have yet to hear from Equifax, however they continue to taunt me via email in hopes of me purchasing one of their products. It is truly sickening how they continue to get away with this time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/year> I received a call from a XXXX XXXX claim to work as an investigator of money transfer to the XXXX XXXX. Saying that my western union account is under investigation. XXXX XXXX XXXX threatened me and has my private information telling me that he would come for me. Telling him I dont conduct business on the phone send anything in writing. There has been an information breech with my name. Someone has hacked my western union account and is making harassing and threatening calls to my phone.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Verification of validation in reporting of unexplained and unauthorized inquiries.

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

Complaint narrative:
Verification of validation in reporting of unexplained and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX, Transunion and XXXX improperly reinserted inaccurate information on my consumer reports that was previously disputed and deleted 6 months ago.

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 2025-01-24 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: WA

Complaint narrative:
XXXX, XXXX and Equifax improperly reinserted inaccurate information on my consumer reports that was previously disputed and deleted 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Subject : Request for Investigation and Legal Action Regarding Zelle Practices Dear CFPB Representatives, I am writing to express my concerns about ongoing issues with Zelle, a widely-used peer-to-peer payment platform, and to request that the Consumer Financial Protection Bureau ( CFPB XXXX investigate potential violations of consumer protection laws. Many users, myself included, have encountered significant issues involving fraud, lack of recourse for unauthorized transactions, and insufficient consumer protections.

**Fraud and Unauthorized Transactions** Numerous reports highlight Zelle 's susceptibility to fraud and scams. Consumers have lost substantial amounts of money through unauthorized transactions and scams where funds are sent without proper recourse for recovery. Despite the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation E, which provide protections for unauthorized electronic transfers, many users report that Zelle and its partner banks fail to adequately address these complaints. 

**Lack of Transparency and Accountability** Zelle 's dispute resolution process is opaque, leaving many users frustrated and financially harmed. Victims of fraud often report being redirected between Zelle and their banks, with neither taking responsibility. This lack of accountability undermines consumer trust and confidence in digital payment systems.

**Need for Regulation and Oversight** Given Zelle 's central role in electronic payments, it is imperative that the CFPB take action to ensure compliance with federal laws. Specifically, I urge the CFPB to : 1. Investigate Zelle and its partner banks for potential violations of Regulation E and the EFTA.

2. Mandate clearer and more robust consumer protections for Zelle transactions.

3. Require Zelle to implement stronger fraud prevention measures and provide transparent dispute resolution processes.

4. Advocate for stricter liability policies for financial institutions to protect consumers using third-party payment platforms.

Digital payment platforms like Zelle offer convenience, but this should not come at the cost of consumer safety and financial security. I urge the CFPB to prioritize this issue and take swift action to address the systemic problems with Zelle.

Thank you for your attention to this matter. Please feel free to contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX I have used zelle with multiple banks XXXX XXXX XXXX XXXX XXXX and there were times were funds where sent to wrong individual and I couldn't retrieve those funds and was told there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Im 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. My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPB has not only neglected to protect me as a costumer, but also allowed repeat offenders to exploit the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
working with XXXX XXXX XXXX We put loan into forbearance, company continued to report negatively on credit report the entire time hitting me and my cosigners scores for almost XXXX point drop. upon completion of forbearance we agreed to sign a loan modification to bring the loan fully current and our payments would not be due until XX/XX/XXXX XXXX we have been reported twice as delinquent in XXXX of XXXX before the XXXX payment is even due and the company says it shouldn't have but has not been able to fix it and just keeps reporting new negative items essentially destroying our credit beyond repair.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
working with XXXX XXXX XXXX, We put loan into forbearance, company continued to report negatively on credit report the entire time hitting me and my cosigners scores for almost XXXX point drop. upon completion of forbearance we agreed to sign a loan modification to bring the loan fully current and our payments would not be due until XX/XX/XXXX XXXX we have been reported twice as delinquent in XXXX of XXXX before the XXXX payment is even due and the company says it shouldn't have but has not been able to fix it and just keeps reporting new negative items essentially destroying our credit beyond repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
working with XXXX XXXX XXXX, We put loan into forbearance, company continued to report negatively on credit report the entire time hitting me and my cosigners scores for almost XXXX point drop. upon completion of forbearance we agreed to sign a loan modification to bring the loan fully current and our payments would not be due until XX/XX/XXXX XXXX we have been reported twice as delinquent in XXXX of XXXX before the XXXX payment is even due and the company says it shouldn't have but has not been able to fix it and just keeps reporting new negative items essentially destroying our credit beyond repair.

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 — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NJ

Complaint narrative:
-Knowingly complying with fraud -Data breaches -Not having live representatives to assist in disputes/ defrauding people with fake reps and more

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered an unauthorized inquiry on my credit report today, and I have no clue why it appeared. I routinely check my credit report, but this time, I noticed discrepancies that caught me off guard. I tried refreshing the page, thinking it might be a system issue, but nothing changed. Im deeply frustrated by this and need the submitted documents to be carefully reviewed so I can put an end to this worry.

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 2025-01-24 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:
Recently I looked over my credit report and saw an account opened in my name. XXXX XXXX  ( {$300.00} ) opened XX/XX/2024 on Experian, and XX/XX/2024 on XXXX. The bureaus are also in violation for not accurately reporting this account. I am a victim of the data breach and according to 15 USC 1681c-2 ( a ), I'm requesting that you immediately block this account from 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 2025-01-24 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: MO

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 settled 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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year>- Bank of America has sent harassing emails, phone calls and letters regarding 'urgent ' information required regarding my account.

They have also attempted such deliberate, constant and provoking actions towards my son whom shares a joint account.

I contacted them to ask what this was regarding, concerned it was fraudulent initially. 
when I called the number provided in the voicemail, the representative began asking very detailed and personal information, SSN, address, phone number, employment status, yearly income, etc. I told the person I am not sharing this information over the telephone, I will visit a Bank of America location to verify this is legitimate. I did so, and the bank confirmed it was 'necessary ', otherwise my account ( s ) were in danger of closure.

After confirming my contact details, employment status, were updated, they then stated that they needed an additional XXXX minutes to review additional information without revealing the details or nature of said information '. I stated I am not sharing any more information, it is a violation of privacy. The bank then froze and closed mine and my son 's accounts. He is unable to withdraw funds or transfer them to another bank.

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 2025-01-24 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: TX

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX that starts with XXXX due to being more than XXXX old, XXXX XXXX XXXX XXXX that starts with XXXX due to not my loan, and XXXX XXXX XXXX that starts with XXXX due to not original creditor and creditor closed account. XXXX denied to follow up with the investigation. I recently notified that CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

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 2025-01-24 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: TX

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX that starts with XXXX due to being more than XXXX old, XXXX XXXX XXXX XXXX that starts with XXXX due to not my loan, and XXXX XXXX XXXX that starts with XXXX due to not original creditor and creditor closed account. XXXX denied to follow up with the investigation. I recently notified that CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime & XXXX XXXX numerous times and reporting discrepancies, my financial institution and chime 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 chime 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 2025-01-24 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: TX

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, 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 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. 

these are the accounts that I have marked as inaccurate : Account number XXXX, Report number 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 2025-01-24 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, 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 No. XXXX ) 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
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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian, XXXX, and XXXX have compromised my personal information though data breaches ; and/or have failed to investigate disputed information on my credit reports, and make the appropriate corrections, even after reporting identity theft through the FTC.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Hey my name is XXXX XXXX am filing a complaint against American Express regarding the denial of my credit card application on XX/XX/year>. I believe my application was unfairly denied due to discriminatory practices, violating my rights under the Equal Credit Opportunity Act ( ECOA ) and the Consumer Bill of Rights. reference number is XXXX

Company response to consumer: Closed with explanation