vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Subject : Formal Consumer Complaint Against Credit Collections Services To Whom It May Concern : I am writing to formally submit a complaint regarding Credit Collection Services for multiple violations of my rights under federal consumer protection laws. Specifically, the agency has violated the following : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide the required validation information about the alleged debt, yet they have placed a collection account on my consumer credit report. This is a direct violation of my rights under the law. 

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been provided an opportunity to dispute the alleged debt as required. The agencys failure to give me proper notice of my rights has prevented me from disputing the validity of this account. 

3. False, Misleading, or Deceptive Practices : The agency has engaged in false, misleading, and deceptive practices in their attempt to collect this alleged debt. This is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) : The agency has no legal authority to furnish information about this account to any consumer reporting agency without first providing all disclosures required by law. Their failure to comply with these obligations further demonstrates their disregard for federal regulations. 

I demand the immediate removal of this account from all consumer reporting agencies within 14-30 days, as it is unlawfully reported. If this issue is not resolved promptly, I reserve the right to seek statutory damages of {$1000.00} for these violations. 

Additional Actions : If this issue is not resolved to my satisfaction, I will escalate the matter further through the CFPB website and other regulatory channels.Please delete this account from my credit file immediately and provide written confirmation that no further collection attempts will be made. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, XXXX, TransUnion I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I used a feature on my Chase banking app to deposit a paper check, once I used the feature Chase told me that the money would be released into my checking account on a certain date. Two days before the check was supposed to clear Chase withheld the funds due to suspicions of fraudulent activity. This Chase account was where all of my direct deposits were deposited into and there was no fraudulent activity I expressed that to customer service ; they were little to no help. My account was then closed and the funds were never released to me and are currently withheld by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MI

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/ or 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was a victim of Zelle fraud, and the experience left me feeling utterly betrayed and exploited. Despite reporting the fraud and discrepancies multiple times, Zelle and my financial institution, XXXX XXXX XXXX XXXX, failed to take adequate steps to protect me. As reflected in the Consumer Financial Protection Bureau ( CFPB ) description, Zelles platform has systemic issues that make recovering lost funds nearly impossible and tracking fraudulent transactions infeasible. This negligence enabled repeat offenders to exploit the system, leaving me vulnerable and without recourse. 

The emotional toll of this ordeal has been immense. Its infuriating that Zelle, a platform designed for convenience and security, has left consumers like me exposed to scammers. I had to demand XXXX XXXX to step in and launch an internal investigation, something Zelle should have addressed in the first place. Im urging the CFPB to use my case to highlight Zelles failure to protect its users and advocate for necessary reforms to prevent others from experiencing this kind of exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Im filing a complaint Equifax, for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. XXXX Acct # XXXX, XXXX Acct XXXX XXXX This Company Oliphant USA LLC listed this Collection account on my Credit report twice with different Acct numbers for the same balance!! This Debt Buyer Company need to remove this derogatory information from the CRA!!

I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX does not disclose a confirmation when send money

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 2025-01-19 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: MN

Complaint narrative:
I am 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. Despite using Zelle numerous times and reporting. discrepancies, my financial institution and zelle failed to investigate my claims adequately.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 2025-01-20 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unrealistic responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing hard to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's action violates federal law and my rights as a consumer. They are reporting the following accounts on my report ( XXXX XXXX XXXXXX/XX/XXXX-Account #XX/XX/XXXXXXXX, XX/XX/XXXX-Account # XXXX ) (XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX $ XXXX Account # XXXX, XXXX XXXX $ XXXXAccount # 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 2025-01-19 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report. when i contact the debt collector they are unable to give me information on the account. 

i tried to include my driver lisences, social sercuirty card and proof of address, but unable to up load over 10MB

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 2025-01-19 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: WA

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:XX/XX/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. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXX/XX/XXXX - XXXX/XXXX/2024 XX/XX/XXXX - XX/XX/scrub>/2024 XX/XX/XXXX - XXXXXX/XX/XXXX/2024 In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-19 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: WA

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 NUMBERXX/XX/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. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXX/XX/XXXX XXXX/XXXX/2024XX/XX/XXXX - XX/XX/year>2024 XX/XX/XXXX - XXXX/XXXX/2024 In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-19 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: CA

Complaint narrative:
I received a report in my mailbox from a company called XXXX. The Case id on this letter is XXXX. This company stated I placed a security freeze on the report through them so they were writing me to let me know they added information. The problem is they have added a social security number to my file that doesnt belong to me. My identity has been stolen! I keep trying to get all of this information that is fraudulent taken off my reports and blocked but instead the information keeps being verified even though it is fraudulent. These individuals have gotten apartments and cars in my name they have gotten credit cards and checking accounts in my name and these reporting agencies keep ruining my credit by allowing the fraudulent information. Instead of helping I get messages that state that the information is accurate and nothing is being done. Im adding XXXX and TransUnion to this complaint because XXXX is always saying the information in accurate and its literally fraudulent. TransUnion doesnt even have a working number to get an agent to help because their online doesnt even allow me to get a copy of my report without paying. I know at this point I sound like a broken record but if this was happening to you what would you do.

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 2025-01-19 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: CA

Complaint narrative:
I received a report in my mailbox from a company called XXXX. The Case id on this letter is XXXX. This company stated I placed a security freeze on the report through them so they were writing me to let me know they added information. The problem is they have added a social security number to my file that doesnt belong to me. My identity has been stolen! I keep trying to get all of this information that is fraudulent taken off my reports and blocked but instead the information keeps being verified even though it is fraudulent. These individuals have gotten apartments and cars in my name they have gotten credit cards and checking accounts in my name and these reporting agencies keep ruining my credit by allowing the fraudulent information. Instead of helping I get messages that state that the information is accurate and nothing is being done. Im adding Experian and XXXX to this complaint because Experian is always saying the information in accurate and its literally fraudulent. XXXX doesnt even have a working number to get an agent to help because their online doesnt even allow me to get a copy of my report without paying. I know at this point I sound like a broken record but if this was happening to you what would you do.

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 2025-01-19 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX Experian sent me multiple stall letters which it violate 15 U.S.C 1681I Fail to Reinvestigate My disputes there are still inaccurate information accounts on my credit reports 15 U.S.C1681EB states CRA 'S shall follow reasonable procedure to assure maximum possible of accuracy to whom it relates 15U.S.C1681 S-2 ( b ) violates Fair Debt Collection Practices Act 15 U.S.C.1692 E ( 8 ) States information which is known to be false. 

please see attach document of the stall 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am 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. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation