vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Greenberg, Grant & Richards Inc.
State: ND

Complaint narrative:
Statement Regarding Greenburg, Grant, and Richards, XXXX XXXX Date of Incident : XX/XX/year> I am submitting this statement to formally report the conduct and practices of Greenburg, Grant, and Richards, a company based in XXXX, Texas. The following concerns and observations have been documented : Miscommunication and Harassment : The company repeatedly contacted an individual who was not associated with my organization for over a year, utilizing inappropriate and abusive language during phone conversations. 

Misrepresentation as Private Investigators : During their initial contact, representatives from Greenburg, Grant, and Richards identified themselves as " Private Investigators. '' However, upon verification with the Texas Department of Public Safety, Private Security Program, it was confirmed that the company and its representatives are not licensed as private investigators in the State of Texas.

Uncooperative and Evasive Behavior : When contacting the company for clarification, their representatives were initially unwilling to provide information unless I agreed to payment. Upon pressing for details, it became apparent that they were operating without transparency or adherence to standard practices. 

Non-Compliance with the Fair Debt Collection Practices Act ( FDCPA ) : While speaking with a representative named XXXX XXXX, it was disclosed that the company is not licensed under the FDCPA and does not follow its provisions. The representative also failed to verify my identity before providing sensitive information, raising significant concerns regarding data privacy and compliance. 

Unprofessional and Coercive Conduct : During my conversation, the representatives engaged in argumentative and unprofessional behavior. When I stated my intention to contact the original creditor directly regarding the alleged debt, they pressured me to make immediate payment. They questioned my refusal to provide banking information over the phone and disregarded my request for proper verification.

Failure to Contact the Appropriate Party : Despite their collection efforts, the company failed to contact me, the rightful owner of the business they allege owes a debt, prior to their attempt to collect funds.

This report is submitted to bring attention to the companys potential violations of state licensing regulations, the FDCPA, and ethical business practices. I respectfully request a thorough investigation into their conduct to ensure compliance with applicable laws and protections for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a victim of identity theft stemming from the XXXX data breach, which exposed my personal information to unauthorized individuals. Fraudulent accounts have been opened in my name, and I am requesting that these accounts be blocked and deleted from my credit report under 15 USC 1681c-2 ( a ). The accounts listed are not legitimate and do not reflect actions taken by me. I am taking this step to protect my credit file from further harm and to ensure its accuracy.

This clearly states the link to the data breach and emphasizes your right to dispute fraudulent activity.

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: FL

Complaint narrative:
I paid for a service and it wasnt taken out my account until the next week and charged me an overdraft fee

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: SC

Complaint narrative:
Sent in dispute letters regarding the negative accounts and hard inquiries asking that they investigate and send me information on their investigation verifying their investigation as well as sending the original documents.

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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened this Citi Double Card Mastercard account in order to consolidate my debt into one card. I lost my entire bag which had all of my information including my social security card, in early XXXX. Beginning XX/XX/XXXX, suspicious activity began on this account, which went unnoticed by me because I was not notified until my account was closed due to a deficit caused by whoever did this. These hackers somehow figured out that my passwords were the same for both XXXX and my bank ( they are now changed from my attempt to regain my accounts and privacy ), and did some type of hack that allowed them to remove thousands from my account, although my credit limit was simply {$2500.00} which I was using to consolidate my debt from other cards. They sent a bunch of money to some random person from my XXXX, I have been attempting to resolve this for most of XXXX and now into XXXX. Citi Bank claimed that I somehow benefited from this scam, although I expressed repeatedly that someone else had my identification information. I reported this identity theft to all 3 credit bureaus, who were successfully able to investigate and remove the reports from my credit. I live paycheck to paycheck and do not have the means to obtain money on that level, and I have no idea why the bank would allow such transactions when I was already at my limit from trying to consolidate my debt. My account is now - {$8500.00}, which I will have to pay for years and years because Citi refuses to acknowledge this scam, although even the employees I spoke to mentioned that this is a common scam that happens to people. One employee started a reduced payment plan for me so that I could attempt to fix my credit, which plummeted because of this. The most recent correspondence from Citi claims that they conducted a thorough investigation and answered all of my questions, which is untrue. I also provided additional documentation from my FTC Identity Theft report. They requested that I discontinue any more correspondence regarding the issue, which is why I am escalating to the CFPB. This is an extremely emotionally and financially stressful situation, as I do not have support and was the victim of a scam due to all of my information being obtained by someone else. Super disappointing because I was excited that Citi Bank would be my solution to consolidating my debt, and has ended up being my biggest nightmare of 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 2025-01-15 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 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 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 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 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: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I started getting debit card fraud back in XX/XX/year> that continued until XXXX. I gathered all of the information needed to prove that the charges were XXXX hours away in a city I've never been to and that it was impossible for me to make them. XXXX I was on an airport from XXXX XXXX XXXX during a few. I attached detailed documents that show the days the fraud was committed and where I was ( XXXX hours away ) when they happened. I can also submit credit card statements showing I was no where near the fraudent charges. ( XXXX vs XXXX XXXX ) I first started the claims with someone named XXXX XXXX and anytime I checked in with him, he'd say they haven't called me back yet. So weeks go by and he doesn't think he should follow up with them? Where's the customer service? I submitted a claim through XXXX XXXX next and I was denied reimbursement. She submitted it again and it was denied again. While I was there in person, she attempted to explain the situation to the fraud department and they said it couldn't be fraud. I know as a person not versed in fraud that is absolutely possible for one to clone to my card. She said she submitted to a higher level claims department and they would call me back in a few days. More than a month later, never got the call. I stopped in and mentioned it to XXXX. She said she would look into it. Nothing. I stopped in again a few weeks later and she said she'd get me a number to call myself to a higher level department. It's been several weeks and I still haven't received that information. My debit card was cloned, I had fraudulent charges totalling more than {$1000.00} and I just want the money back. Chase is not being helpful nor fully looking into the situation. All they keep saying is it's impossible for someone else to have gotten my card. The lack of professionalism and communication from the XXXX XXXX  employees is really disappointing. A loss of {$1000.00} is huge to me. Unimportant to them.

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 concerned with Zelle 's handling of disputes in regards to the recent CFPB lawsuit. Although I have used Zelle many times and reporting these discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They told me that recovering lost funds and tracking these transactions would be impossible. 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: 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: GA

Complaint narrative:
Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I request immediate removel of all disputed accounts. Experian has violated federal law and my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all items.

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: 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 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 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: FirstPoint Collection Resources
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Firstpoint COLL reso

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: FL

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on 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 2025-01-15 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: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transaction were authorized, I was charged due to lagging 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 having initially funds available. 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I checked my credit report and realized I had accounts that I did authorize. Please remove all fraudulent accounts immediately. According to the 15 U.S.C 1681 law there should not be any damages on my credit report. It is a defamation to my character.

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: CL Holdings LLC
State: NJ

Complaint narrative:
I checked my credit report and realized I had accounts that I did authorize. Please remove all fraudulent accounts immediately. According to the 15 U.S.C 1681 law there should not be any damages on my credit report. It is a defamation to my character.

Company response to consumer: Closed with explanation