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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian Information Solution Inc credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX= XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  - XXXX - {$390.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX & XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: PA

Complaint narrative:
hello I am reaching out for the cause of a Dispute of Inaccurate Credit Report Items with Equifax, XXXX, and XXXX. I am writing to formally dispute XXXX items on my credit report, specifically XXXX XXXX and XXXX. While searching for a home for my family, I discovered that these items were inaccurately verified. Despite never having a contract with XXXX XXXX, and XXXX 's statement that they do not own the account, they continue to report to the credit bureaus. The credit bureaus ' investigation, completed in under 24 hours, failed to provide the investigation process or proof of contract with a wet signature, as requested. however, XXXX XXXX did remove credit elections! I kindly request that these items be removed immediately, as their inaccuracy is hindering my ability to provide a safe shelter for my family. I have attached relevant documentation. Thank you for your prompt attention to this matter. Please do not hesitate to contact me at XXXX if you require further information.

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: FL

Complaint narrative:
I am writing to formally express my concerns regarding sales 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
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. 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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 2025-01-15 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: MA

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 ( 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 despite 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I closed the accounts milestone and density card in XXXX. They are still reporting negative on credit brues section 605b. I did not approve of sharing this information with a third party.

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:
Experian and XXXX 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 Experianand XXXX 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 ( CFPB ) has recently filed a lawsuit against Experian, and XXXX 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 and XXXX has neither corrected nor removed disputed items despite 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'ssnd XXXX 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
On XX/XX/year> a collections account was placed on my credit report from a company called Amsher collections. They have themselves listed as the original creditor. Until I checked my credit report I had never heard of this company. If they are representing someone else I never received a dunning letter stating that I had 30 days to dispute the validity of this debt. I've never had any financial dealings with amsher collections. I requested information for the validity of this debt. This account was placed on my credit report without my prior knowledge or notification. I'm not liable for this debt I do not know who this company is and I would like for this to be removed from my credit report.

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: 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 recent cfpbs 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 also allowed repeated 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: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX, I file a dispute about information on my report that was settle with the creditor, and XXXX still has it on my report as negative and its affecting my credit score. what can I do about this?

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information was exposed in a data breach.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation to ensure accurate reporting with disputed inaccurate reporting information, leaving inaccurate and unverifiable information on my credit report. ( 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 adequately notify consumers of dispute outcomes. These failures align with my experience. Experian has failed to rectify or correct any and all inaccurate information which has cost me thousands of dollars. To date Experian has not removed inaccurate information or deleted them. Experian has violated my federal 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding multiple unauthorized hard inquiries on my credit report starting from XX/XX/2023 - XXXX XXXX. These inquiries were made by unknown companies without my knowledge or consent, and they have significantly impacted my credit score in a negative way. Despite my efforts to resolve the issue directly with Experian, the credit bureau has not taken adequate action to remove these unauthorized hard inquiries. As a result, my credit score has been negatively affected, leading to declined opportunities that I would have otherwise been eligible for, including credit applications and other financial transactions. I have made repeated attempts to contact Experian and dispute these inquiries, but no corrective action has been taken to date. I am concerned that these inaccurate and unauthorized inquiries are continuing to harm my financial well-being and creditworthiness. Additionally, I request that the Consumer Financial Protection Bureau intervene and assist in ensuring that these unauthorized hard inquiries are removed from my credit report, and that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I would Appreciate any support you can provide 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 explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dealing with chase and XXXX XXXX both bank had no right to close my accounts if i was and a positive they took my money from a check that was deposit and did not return my funds

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:
Over the past two years, I have been given the run around about 2 collections on my Equifax and XXXX report. 

On XX/XX/XXXX, I contacted the original creditor ( # XXXX ) " XXXXXXXX XXXX XXXX XXXX '', at XXXX, about a fraudulent lease obtained in my name with XXXX XXXX XXXX XXXX or around XX/XX/XXXX by a con artist ( XXXX XXXX ). The original balance was {$13000.00}. They placed me on hold to get the supervisor after I supplied an identity theft report, approved police report, complained through the CFPB, and much more. They then offered a call back but never called. On XX/XX/XXXX, I contacted the debt collection agency, " XXXX XXXX XXXX XXXX '' at XXXX, that they unlawfully sold my information to regarding the alleged debt and I explained to them the issue and the lack of communication regarding this matter. They said they would dispatch a fraud packet to my home address and agreed to open the investigation to remove. 

On XX/XX/XXXX, I attempted to contact the original creditor ( # XXXX ), XXXX XXXX  XXXX ( XXXX ), about another fraudulent lease obtained in my name in/ or around XX/XX/XXXX, with XXXX XXXX XXXX  : XXXX  XXXX XXXX and got an automated teller system. I then contacted the debt collection agency, " XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' at XXXX, that they unlawfully sold my information to regarding the alleged debt, and I followed up on Dispute ID : XXXX. I explained how my rights are being violated and I never received an update regarding my dispute. I spoke with XXXX XXXX and he gave me his email : XXXX because he admitted they never communicated with me about needing the copy of the back of my DL and my notarized residency affidavit. I got these items to him immediately.

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 — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In early 2024, my wife and I each opened separate Chase Marriott XXXX credit cards that included a promotion, including free nights at a Marriott hotel, after charging a specific amount of money within the first 3 months. My wife and I each charged the specified amount within the 3-month window, and Chase concedes that we each earned the free nights on our respective accounts. 

Soon after qualifying for the promotion, my Marriott XXXX account reflected XXXX-free nights ; however, my wife 's Bonvoy account never received the free nights she had earned. 

After speaking with Chase and Marriott customer service representatives several times over the past year, we are still missing multiple free nights. 

According to Chase, the free nights and points my wife earned erroneously populated in my Marriott account, and the points and promotions I had earned with my card were missing. After discovering the error, Chase moved all the points on my Marriott account to my wife 's Marriott account. My account still missed the points and free nights I earned with my credit card. 

After another call, we discovered that my Chase card never linked with my Marriott account due to a misspelling of my last name on my credit card. A senior representative explained that once I officially corrected the misspelling, the accounts should correct themselves, and my missing hotel nights should appear on my account. I corrected the misspelling, but only the point populated on my account. I was still missing the free nights. 

We have contacted Chase many more times in an attempt to solve this issue. Each time Chase sends a post-investigation letter explaining that I received my free nights, that the points were posted on my Marriott account, and used. 

My complaint is as follows : 1. I find it troubling that credit card points and promotions from my wife 's credit card were erroneously reflected on my account in the first place. There is no explanation as to how or why this occurred. 

2. According to Chase, the XXXX free nights originally posted on my Marriott account belonged to my wife, and my free nights were never received by my wife or myself. Chase continued to tell me that I did receive my free nights as they were on my Marriott account while also telling me that the free nights on my account were earned with my wife 's Chase credit card and erroneously populated in my account. 

So, according to Chase, when my wife earned her free hotel nights, those nights were wrongfully reflected on my Marriott account. The free nights I earned with my credit card were never received. Chase is refusing to provide me with the free nights I earned through credit card purchases in accordance with their credit card promotion.

Company response to consumer: Closed with explanation