vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Revolut Technologies Inc.

Complaint narrative:
Subject : Unjustified XXXX Fee for XXXX Transfer I am filing this complaint against Revolut regarding an unjustified fee for a recent international bank transfer. 

On XX/XX/year>, I transferred XXXX to my account in the United States from my XXXXXXXX XXXX  Account. There was no currency conversion involved, and Revolut deducted an additional XXXX as a fee which was charged to my XXXX XXXX account. This effectively doubled the amount charged for the transfer, totaling XXXX with XXXX being charged by my XXXX XXXX  account, XXXX by Revolut for receiving the transfer, and XXXX Euros being the amount sent. 

I reviewed Revoluts cardholder agreement and fee schedule, both of which fail to mention such a fee for a transfer in Euros to an account accepting Euros. The absence of transparency surrounding this charge is concerning and feels misleading. I co

ntacted Revolut support but did not receive a satisfactory explanation. Further, Revolut provides a FALSE XXXX  code that is not applicable to an international bank transfer. This is concerning as I had to use a different XXXX code than provided by Revolut which may be the issue with the fees. 

Therefore Revolut is fraudulent in their banning behaviors and activities in the United States and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$700.00} - tied up XXXX  XXXX XXXX Balance : {$630.00} - tied up XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-02-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/year> Account Name : XXXX XXXX # XXXX OPENED XX/XX/year> {$51000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX, XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: DC

Complaint narrative:
I am writing to formally dispute multiple unauthorized and fraudulent Zelle transactions that have occurred on my bank account over the years. Despite my repeated efforts to report these issues to my bank, I have consistently been denied reimbursement, with the justification that Zelle transactions are final. However, I believe this stance is unfair, as these transactions were either unauthorized or resulted from fraudulent activity that I reported in a timely manner. 

There have been several instances where Zelle transactions were processed from my account without my knowledge or consent. In other cases, I was misled into sending money under false pretenses, with the recipient failing to deliver the agreed-upon goods or services. Each time I discovered an issue, I promptly contacted my bank to dispute the charges and request reimbursement, only to be informed that because Zelle is a peer-to-peer payment service, the transactions could not be reversed or refunded. This has resulted in significant financial loss and ongoing frustration, as my financial institution has refused to provide assistance despite my repeated reports of unauthorized access and fraud. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold my financial institution accountable for its failure to protect consumers from fraudulent and unauthorized transactions. Additionally, I would like guidance on what further steps I can take to recover my lost funds and prevent future incidents from occurring. I appreciate your time and attention to this issue and look forward to your response. Please let me know if any additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-11 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-11 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: NM

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX BALANCED {$8100.00}

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent Accounts to Be Removed : 1. XXXX ( Account : XXXX ) Charge Off 2. XXXX XXXX ( Account : XXXX ) Charge Off 3. XXXX XXXX ( XXXX ) ( Account : XXXX ) XXXX 4. XXXX ( XXXX ) ( Account : XXXX ) Collection Charge Off XXXX 5. XXXX XXXX ( Account : XXXX ) Charge collection XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX collection/charge off XXXX Errors to Be Corrected on My XXXX XXXX Account : Account Number : XXXX Under FCRA Section 605B, it is illegal to report anything on my credit report without my explicit permission, which I never provided for this account. I demand that this inaccurate information be removed immediately. 

I have already contacted the companies involved regarding this fraud and expect these unauthorized accounts to be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting : 1. The immediate removal of all fraudulent accounts from my credit report.

2. A written statement confirming that these accounts have been deleted.

3. A full investigation into the errors on my XXXX XXXX account.

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 2025-02-11 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: GA

Complaint narrative:
Fraudulent Accounts to Be Removed : 1. XXXX ( Account : XXXX ) Charge Off 2. XXXX XXXX ( Account : XXXX ) Charge Off 3. XXXX XXXX ( XXXX ) ( Account : XXXX ) XXXX 4. XXXX ( XXXX ) ( Account : XXXX ) Collection Charge Off XXXX 5. XXXX XXXX ( Account : XXXX ) Charge collection XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX collection/charge off XXXX Errors to Be Corrected on My XXXX XXXX Account : Account Number : XXXX Under FCRA Section 605B, it is illegal to report anything on my credit report without my explicit permission, which I never provided for this account. I demand that this inaccurate information be removed immediately. 

I have already contacted the companies involved regarding this fraud and expect these unauthorized accounts to be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting : 1. The immediate removal of all fraudulent accounts from my credit report.

2. A written statement confirming that these accounts have been deleted.

3. A full investigation into the errors on my XXXX XXXX account.

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 2025-02-11 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: NC

Complaint narrative:
I am writing to follow up on my complaint submitted to your office on XX/XX/XXXX, regarding charge-off accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I initially noticed these charge-offs when I pulled my credit report on XX/XX/XXXX, from XXXX. 

Since that time, I have made several attempts to resolve these accounts by contacting the respective companies directly, but I have not received any updates or responses. In addition, I filed disputes with all three credit bureaus ( Experian, Equifax, and TransUnion ) regarding these accounts, but despite my efforts, I have not seen any improvements or received communication that explains the current status of these charge-offs. 

As ofXX/XX/XXXX, I have not been contacted by any of the companies involved, nor have I received any further communication from your office regarding the resolution of this matter. It has now been over 30 days since my initial complaint, and I would appreciate an update on the status of my case. 

I respectfully request any information on the actions being taken to resolve this issue, and any updates you can provide would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I am writing to follow up on my complaint submitted to your office on XX/XX/XXXX, regarding charge-off accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I initially noticed these charge-offs when I pulled my credit report on XX/XX/XXXX, from XXXX. 

Since that time, I have made several attempts to resolve these accounts by contacting the respective companies directly, but I have not received any updates or responses. In addition, I filed disputes with all three credit bureaus ( Experian, Equifax, and TransUnion ) regarding these accounts, but despite my efforts, I have not seen any improvements or received communication that explains the current status of these charge-offs. 

As ofXX/XX/XXXX, I have not been contacted by any of the companies involved, nor have I received any further communication from your office regarding the resolution of this matter. It has now been over 30 days since my initial complaint, and I would appreciate an update on the status of my case. 

I respectfully request any information on the actions being taken to resolve this issue, and any updates you can provide would be greatly appreciated.

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 2025-02-11 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:
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 ), XXXX U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( 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. These are the account that I mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-11 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:
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 ), XXXX U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( 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. These are the account that I mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I XXXX XXXX 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. The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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