vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While using XXXX, i have experienced instances where my bank did not assist me in deterring fraud when zelle payments were made to the wrong number or wrong individual, as stated in the recent litigation by the CFPB claim against JPMorgan Chase. I have been a Chase Bank member for over XXXX years. I would like to be apart of this compliant and get reparations based on the outcome of the compliant made by the CFPB, as described in this article 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing this to file a complaint regarding Citibanks unfair and abrupt closure of my credit card account without proper notice or sufficient justification. Below are the details of my grievance : 1. Account Closure Timeline : Citibank closed my account within 10-14 days of a payment issue. I was not informed that my payment had not cleared, and I received no communication or opportunity to rectify the situation before the account was closed.

2. Lack of Notification : Citibank failed to notify me in a timely manner about the returned payment or the impending account closure. I had no chance to resolve the issue or provide alternative payment methods.

3. Adverse Impact : The sudden account closure negatively impacted my credit utilization and could harm my overall credit score. This decision was made without offering me any chance to address the problem, which feels punitive and unfair. 
4. Citibanks Notorious Practice : I have observed multiple instances on XXXX and within complaints on the CFPB website describing similar situations where Citibank abruptly closed accounts without providing adequate notification to customers. This pattern suggests a systemic issue that causes unnecessary harm to consumers.

5. Statement Balance Paid in Full : I have already paid my statement balance in full and do not wish for this account to be sent to collections. Despite my proactive effort to address the balance, Citibank has refused to reopen my account or provide a reasonable resolution.

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 2025-01-14 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: NC

Complaint narrative:
Experience has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Credit Bureau ( CFCB ) 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 to 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 ungoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates the 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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TomoCredit Inc.
State: FL

Complaint narrative:
Tomo Credit Card abruptly discontinued its credit card service without properly notifying cardholders. Users suddenly found their cards non-functional, with no access to their credit accounts5. The company failed to officially close the cards or provide an alternative product, leaving cardholders in limbo.

Tomo stopped reporting to the three major credit bureaus, potentially impacting users ' credit scores. When attempting to log in, users were only offered Tomo Boost, a subscription-based credit improvement service that has been criticized as potentially misleading.

The sudden loss of credit lines, some as high as {$2000.00}, affected cardholders ' overall credit profiles and potentially impacted their other credit accounts. Cardholders were left without alternatives or proper recourse, raising concerns about potential violations of credit laws. 

Behind the scenes, Tomo had defaulted on a {$30.00} XXXX line of credit from XXXX XXXX XXXX, leading to financial troubles that likely contributed to the abrupt service discontinuation1. The company 's actions have resulted in numerous consumer complaints and a loss of credibility in the market. 

Tomo Credit owes its cardholders a comprehensive explanation for these actions and the resulting impact on their financial lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
Ive been using Zelle for years. There have been instances of money sent to wrong person or being scammed. The banks and Zelle did not refund me the money. when I first started using Zelle I didn't know I couldn't get a refund if it was sent to the wrong number. I also got scammed out of XXXX for a concert ticket transfer. Both the bank and Zelle were unwilling to help

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: MS

Complaint narrative:
To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.

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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/year>, credit card debt for the amount of XXXX was paid to Resergent Capital Services, in agreement that if I pay off the debt, they would send to credit agency to have the trade line removed. And the same for XXXX XXXX XXXX XXXX debt. Debt in amount of {$360.00} was paid, in agreement that it would be removed once paid. Both accounts were paid on XX/XX/year>. 
Have tried disputing on my credit report, and was denied. Credit report indicates that it has been sold, and is a charge off. Have disputed that it has been paid in agreement of deletion. Have been denied 3 times on all 3 credit bureaus. I have contacted Resergent of this matter, and they gave me the run around with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax was supposed to send me a email or a letter pertaining to the data breach settlement never received anything from them because they have so many different addresses that do not belong to me on my credit file. also try to contact them to see about the data breach and put my information in and it come back that my information was compromised in the breach and generated a number XXXX, and no one will help for Equifax, and it hurts me that I did not get compensated. I call this number XXXX call this XXXX and they don't help at all they don't pay me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I want the company to respond on the CFPB Website. It is inappropriate for CFPB to give Citi permission to respond outside of this complaint portal. I am not concerned about privacy.. My former complaint was closed without an answer from Citi XXXX XXXX. 

A purchase was made in the amount of {$58.00} on XX/XX/2024. We filed a dispute to retract the payment. XXXX We need details about the transaction and dispute resolution? Identify the bank, account number and owner that received the initial payment? Provide details about the Merchants response and credit received for the dispute.

CFPB wrote : " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. ''

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 monetary relief
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Car Loan I am writing to dispute the accuracy of the information on my credit report regarding late payments reported for my car loan account # XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, it is unlawful to report inaccurate information on my credit report without my consent or proper verification. I request that this information be removed, and my account status updated to reflect " Paid as Agreed, Never Late. '' Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) specifies that reports containing information solely related to direct transactions or experiences between a consumer and a creditor are excluded from the scope of a " consumer report. '' The late payment notations on this account appear inconsistent with this definition and my actual payment history. 



To assist in resolving this matter, I provide the following relevant information : Account Holder Name : XXXX XXXX Account Number : XXXX Dates of Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Given these facts, I formally request : 1. Immediate investigation of this dispute under FCRA guidelines.

2. Correction of any inaccuracies and update of the account to " Paid as Agreed, Never Late. '' 3. Written confirmation of your findings and any corrective actions taken.

Please ensure that this disputed information is not reported to any third parties during the investigation. The FCRA mandates timely investigation and response, and I look forward to a prompt resolution.

Thank you for your attention and cooperation. 



Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Car Loan I am writing to dispute the accuracy of the information on my credit report regarding late payments reported for my car loan account # XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, it is unlawful to report inaccurate information on my credit report without my consent or proper verification. I request that this information be removed, and my account status updated to reflect " Paid as Agreed, Never Late. '' Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) specifies that reports containing information solely related to direct transactions or experiences between a consumer and a creditor are excluded from the scope of a " consumer report. '' The late payment notations on this account appear inconsistent with this definition and my actual payment history. 



To assist in resolving this matter, I provide the following relevant information : Account Holder Name : XXXX XXXX Account Number : XXXX Dates of Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Given these facts, I formally request : 1. Immediate investigation of this dispute under FCRA guidelines.

2. Correction of any inaccuracies and update of the account to " Paid as Agreed, Never Late. '' 3. Written confirmation of your findings and any corrective actions taken. 







Please ensure that this disputed information is not reported to any third parties during the investigation. The FCRA mandates timely investigation and response, and I look forward to a prompt resolution. 



Thank you for your attention and cooperation. 



Sincerely, XXXX XXXX

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: AZ

Complaint narrative:
My credit score has been drastically impacted by several unauthorized accounts that have appeared on my report. These accounts were opened without my knowledge, and theyre creating an inaccurate picture of my financial history.

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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting 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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Paypal closed my account XXXX over a week ago after requesting verification docs that I have submitted many times before and successfully verified me. Submitted the same docs again. They canceled my transfers to checking and closed my account. With funds of XXXX $ in at the time. Now a total of {$720.00} in my account. They claim it could be 120 days. I have called emailed and chatted They say the system will review and they can not release funds. They refuse to give me my money. I was put in a state of emergency due to this. They legally can not hold over 10-21 days business wise if closing. I have no pending disputes or anything. Now I can not make my house payement. All of my funds were in paypal. I have called, emailed, chatted, and been given no help whatsoever. And, I was even verbally harassed demographically and offensive language used towards me by employees. I have a XXXX XXXX XXXXXXXX and can not get my XXXX XXXX XXXX XXXX XXXX XXXX XXXX in paypal. I have children whom need the money too to eat. They will not review and release any of my funds and paypal has acted illegally. I am happy to provide all proof of their actions. I just want my money and need my money as it caused my family and myself an emergency state when I was compliant with identity request initially and submitted all this same as any time they ask for withdrawals again and again. They do not act legally, and they are holding my money illegally. I wish to pursue legal action if my funds are not released for withdrawal immediately. I never received any user agreement or anything as well or signed anything so their holding and time holding is not legal for them to do and I have read on many cases where they hold or take our money if they close an account. We can not go 120 days without these funds let alone any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief