vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I been paying on this loan for 5 years i looked over 20 payments nothing has gone to the principle even if it went to the principle my loan has been at stand still only time it went down I made a XXXX payment and one of those payments XXXX went to intrest I was told I had to ask for it to go to the principal when I asked they told me they don't do that so for a XXXX XXXX car I've paid XXXX XXXX and still going then I tried to get a payout it's the exact same amount they said the intrest will never be removed u need to talk to the dealer when i looked closely the dealer signed the initials of mine and the cosigner on the contract those are not our signatures when I called XXXX they denied it stating it's done on a computer I said i know My other signature is correct but the fine print ones the dealer signed and it's the wrong initials put on there so I made a police report now I'm here they laugh never said i would owe more money of got extention I'm stuck it's just lie after lie please help she tried to say I let them I said how would u know u weren't there i signed the big ones my signature never looked liked that u can tell the signatures are by the dealer XXXX then he wrote the wrong initials please help also XXXX change the intrest I was told with a cosigner it would be at 9 % then when I l9oked it was 24 % they said nothing they can do it's signed very rude that tells me everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
There are unauthorized accounts on my credit report 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 non-monetary relief
Consumer complaint received 2025-01-16 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:
your account. 
XXXX 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 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 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 XXXX 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this

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 2025-01-16 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: TX

Complaint narrative:
your account. 
XXXX 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 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 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 XXXX 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
Subject : Formal Complaint and Dispute Regarding Loan Servicer Misconduct Dear Consumer Financial Protection Bureau, I am writing to formally dispute actions taken by XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX, a loan servicing company responsible for managing my account. Specifically, I believe XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX has acted improperly by notifying debt collectors about alleged non-payment of my debt without just cause or proper documentation. 

The details of the situation are as follows : Account Information : Loan Servicer : XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX. 
Account Number : # XXXX Loan Type : personal loan Issue Description : On [ XX/XX/year> ], I received communication indicating that XXXX XXXX XXXX XXXX serviced by XXXX XXXX XXXX XXXX reported my account as delinquent to [ FMA Alliance ], despite my payments being ( current/in dispute/subject to other circumstances, such as a forbearance or modification agreement ). I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws such as 15 usc 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: Synovus Bank
State: GA

Complaint narrative:
Ive receive several letters stating I have a Synovus checking account and I owe Synovus bank {$170.00}, but Ive never opened a Synovus account. The letters Im receiving are registered under my name and address, but Synovus should not have a copy of any of my information. These letters also threaten to send this account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Experian Accounts XXXX. XXXX XXXX Account XXXX : XXXX XXXX {$1800.00} XXXX. XXXX XXXX Account XXXX : XXXX Amount : {$1300.00} XXXX. XXXX Account XXXX : XXXX Amount : {$350.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$27000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$17000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Amount : {$21000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Amount : {$160.00} XXXX. XXXX Account Number : XXXX Amount : {$21.00}, XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

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 2025-01-16 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:
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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 2025-01-16 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 express my concerns regarding Zelle 's handling of disputes in light of the recent CFPB lawsuit highlighting significant issues. Despite using Zelle more times than I can count and reporting discrepancies my bank and Zelle failed to investigate my claims adequately. They advised recovering lost funds was not possible and tracking these transactions was simply not feasible. The CFPB 's findings that Zelle is not able to protect their consumer but they also allow for repeat offenders to exploit the system. This leaves us consumers vulnerable to scams and fraud. The lack of accountability and transparency is unacceptable and raises considerable concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CT

Complaint narrative:
I am writing to express my disappointment with zelles handling of transactions and disputes. This is shown particularly in light through the CFPB lawsuit highlighting several issues with the platform owned by the banks. Despite using zelle repeatedly, they have failed to reimburse me for my disputed transactions, as I was told recovering lost funds was impossible once the money was sent, which wasnt authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
Hello, I am writing you to file a complaint with Navy Federal credit union regarding. Multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized I was charged fee due to lagged posting of charges and credits this issue align with the recent CFPB finding against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe its unfair and request an investigation into my transactions. I even told them that I was robbed and they closed my checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 investigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ), has recently filed a lawsuit against Experian, alleging system issues such as forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers 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 2025-01-16 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'm writing to file a complaint against Navy Federal Credit Union regarding multiple over drafts I have incurred. Despite having sufficient funds when trans actions were authorized. I was charged fees due to lagged posting of charges and credits. This issue alligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficent balances despite initally 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 2025-01-16 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: GA

Complaint narrative:
I am writting to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds with when transactions weee 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 2025-01-16 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: TX

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I notified Transunion on XX/XX/year> that I am a victim of identity theft. Transition responded that the fraudulent items per the FTC report were verified. I would like for Transunion to send to me how and what method was used to verify that the fraudulent items belong to me and that I had anything to with any of it. I did not authorize nor did I open the fraudulent accounts Transunion is also listing addresses on my credit report that are not mine as well. I only have one address. XXXX XXXX XXXX XXXX NY OTHER ADDRESS REPORTING IS NOT MY ADDRESS ALL OTHERS SHOULD NOT BE THERE

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 2025-01-16 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:
I am writing to express serious concerns about Zelles approach to dispute resolution, particularly in light of the recent CFPB lawsuit that highlights critical shortcomings within the platform. Despite numerous transactions and multiple reports of discrepancies, neither Zelle nor my financial institution made a meaningful effort to investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings make it clear that Zelle has consistently failed to protect its users, instead creating an environment where repeat offenders can exploit the system and leave consumers vulnerable to fraud. This lack of accountability and transparency is unacceptable, casting serious doubt on the platforms commitment to consumer safety and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding a multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were 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 2025-01-16 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: LA

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 2025-01-16 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: LA

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my 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 2025-01-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I used Lexington Law to try and improve my credit score and was charged fees and they did not improve my credit. I believe that I should receive a refund from the judgement that was issued back in XXXX XXXX XXXX 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
My whole credit report was exposed to a XXXX XXXX data breach which in facts affects my credit right now to this day because its inquiries on my credit thats not tied to me. Thats not no account of mine that I didnt sign for anything and is a lot of accuracy on my credit report due to the data breach that was just leaked and Im a upload attached document stating that my data was breached personally.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are multiple charges on my report that should not be. Some that arent mine and one that was paid and reappeared because the company is no longer open and they sold all the accounts to others. There are some charges that appear multiple times. Ive been disputing charges and writing the company and nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
There are multiple charges on my report that should not be. Some that arent mine and one that was paid and reappeared because the company is no longer open and they sold all the accounts to others. There are some charges that appear multiple times. Ive been disputing charges and writing the company and nothing is happening.

Company response to consumer: Closed with explanation