vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have been with SALLIE MAE for a long time, and I have always appreciated the good value and service I have received from SALLIE MAE. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> {$95.00} i returned the product, filed dispute. 
capital one didn't help me at all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing. I understand that Congress states that consumer reporting agencies have a grave duty to report complete and accurate information in regard to a consumer report.

To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details.

Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute.

As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : 1. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. 
XXXX. Attached is a copy of the XXXX XXXX XXXX notification report for your review. 
XXXX. Submitted a certified debt validation request, including proof of delivery # XXXX. 
I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlighted significant shortcomings with the platform. Despite using Zelle on numerous occasions and reporting transaction discrepancies, my financial institution and Zelle failed to thoroughly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The findings from the CFPB reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud and scams. This level of inaction and lack of transparency is deeply troubling and raises serious questions about the platforms commitment to consumer protection and safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I've disputed the late payments listed for XXXX XXXX XXXX below with both creditor and bureaus and haven't received any validation, no updates on how the information was validated, a fulfilled request of a written statement to furnish any of my private information via any instrument or means of communication.

I am writing to request the removal of five late payments that have been reported on my credit report for the account referenced above for XXXX ( XXXX XXXX XXXX XXXX ). After carefully reviewing the applicable federal laws, I believe these late payments should be reconsidered for removal in accordance with the following provisions : 15 USC 1666b This section outlines specific protections for consumers regarding the timing of payments and the crediting of payments to their accounts.

15 USC 1637 ( b ) This statute governs the disclosures creditors must provide, which includes accurate and timely information about account status and balances.

15 USC 1681s-2 This statute requires creditors to report accurate information to credit reporting agencies and to correct any information that is found to be inaccurate or outdated.

15 USC 1681i This section provides consumers the right to dispute information on their credit reports and mandates prompt investigation of disputes by credit reporting agencies.

Given these provisions, I respectfully request the immediate removal of the five late payments from my credit report. I have always strived to maintain a good relationship with your company, and I hope we can work together to correct these issues. I believe this adjustment will accurately reflect the status of my account and ensure that my credit report is free from any inaccuracies.

I would appreciate your prompt attention to this matter and would like to thank you in advance for your cooperation. Please feel free to contact me if you need any additional information to process this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've disputed the late payments listed for XXXX XXXX XXXX below with both creditor and bureaus and haven't received any validation, no updates on how the information was validated, a fulfilled request of a written statement to furnish any of my private information via any instrument or means of communication.

I am writing to request the removal of five late payments that have been reported on my credit report for the account referenced above for XXXX ( XXXX XXXX XXXX XXXX ). After carefully reviewing the applicable federal laws, I believe these late payments should be reconsidered for removal in accordance with the following provisions : 15 USC 1666b This section outlines specific protections for consumers regarding the timing of payments and the crediting of payments to their accounts.

15 USC 1637 ( b ) This statute governs the disclosures creditors must provide, which includes accurate and timely information about account status and balances.

15 USC 1681s-2 This statute requires creditors to report accurate information to credit reporting agencies and to correct any information that is found to be inaccurate or outdated.

15 USC 1681i This section provides consumers the right to dispute information on their credit reports and mandates prompt investigation of disputes by credit reporting agencies.

Given these provisions, I respectfully request the immediate removal of the five late payments from my credit report. I have always strived to maintain a good relationship with your company, and I hope we can work together to correct these issues. I believe this adjustment will accurately reflect the status of my account and ensure that my credit report is free from any inaccuracies. 

I would appreciate your prompt attention to this matter and would like to thank you in advance for your cooperation. Please feel free to contact me if you need any additional information to process this request.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate personal information currently being reported by Experian. The incorrect information includes names, addresses, and employment details that do not belong to me. These inaccuracies are causing confusion and potential harm to my credit profile. Despite disputing these inaccuracies, Experian has failed to correct or remove the incorrect information, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Looked on credit file and saw inaccurate information that did not pertain to me.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. Also, I have a letter stating I don't have an account with XXXX XXXX and a letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$840.00}, XXXX XXXX XXXX XXXX XXXXXXXX - {$630.00}, XXXX XXXX - XXXX - {$310.00}. These inquiries : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Ive sent multiple disputes to XXXX. They did not properly investigate any of my disputes. I do not think they investigated any of them. Many accounts on my credit report are false, incorrect or not even mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive sent multiple disputes to XXXX. They did not properly investigate any of my disputes. I do not think they investigated any of them. Many accounts on my credit report are false, incorrect or not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Suspected misuse of the principal account for XXXX XXXX XXXX, Estate. Please see attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

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 were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Im here because Zelle is not handling things correctly!! Theres significant issues with this platform and its even being brought to light finally with the CFPB lawsuit. I have used Zelle many times and have reported my discrepancies, but Zelle failed to investigate my claims adequately.They told me that getting my money back was impossible and they could not track down the transaction. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has allowed repeat offenders to exploit the system. The lack of accountability and transparency is completely unacceptable. This is leaving us vulnerable to all these scams and its ridiculous and quite frankly unsafe!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Between XXXX. I banked with XXXX XXXX where once I accidentally sent money to the wrong person that was XXXX. I called customer service & they told me it was nothing they could do. The 2nd time someone hacked my acct & sent over XXXX to different ppl through Zelle & I was unable to receive my money back. I ended up closing my checking acct with them due to the mistreatment & losing my hard earned money

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: TX

Complaint narrative:
I used the Zelle app. They wouldnt allow me to change my bank card info to receive funds. They would not give me the money that was there. This happened XXXX. They wont give me a reason just the run around now theres no money there and the senders didnt receive it back.

Company response to consumer: Closed with explanation