vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Account number : XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Debt Validation Request To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt you claim I owe. Please consider this letter a formal request for validation of this debt, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request the following : 1. Verification of the amount of the debt.

2. The name of the original creditor and any documentation substantiating your claim.

3. A copy of the assignment or purchase agreement proving that your agency has the legal right to collect this debt.

4. A detailed accounting of the debt, including how it was calculated and any payments made toward it.

Until you provide the requested information, I respectfully ask that you cease all communication with me, as well as any reporting to credit bureaus regarding this alleged debt.

Please note that this letter is not an acknowledgment of any liability for this debt, nor is it an agreement to pay. I reserve the right to dispute the debt further once you provide the requested documentation. 

Thank you for your prompt attention to this matter. I look forward to response.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
No warning regarding the safety of money, just used it to compete with other apps

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: TN

Complaint narrative:
I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which exposes significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle took sufficient action to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed 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 deeply troubling 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: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : XXXX. Creditor name : XXXX XXXX  XXXX Account XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX Inquiries : XXXX creditor name : XXXX XXXX Inquiry date : XX/XX/year> 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 2025-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
There are two hard inquiries on my credit report from XXXX and Capitol One Bank. I have not applied for a credit card from either one of those companies.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-01-15 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: AR

Complaint narrative:
everything on my credit report is old and inaccurate because everything I had was paid in full the day it was received according to the XXXX because all debts are obligations of the government and these companies have ripped me off and then reported on it and then hit me off even further by not allowing me too move forward with my life because of the bad credit It has been this way my entire life. and they all are just committed securities fraud by selling my signature without my permission.

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 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 many times, and reporting discrepancies through my bank and through the company, 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 me, the customer but also allowed repeated offenders to exploit the system, leaving users like me vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about my safety as a frequent user.

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: PA

Complaint narrative:
Im writing for formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 recovery lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There's an account in my report from XXXX XXXX  and they are reporting as account corp of southern Nevada. I've never had an acct with them and I disputed and it took more than 30 days to respond and it wasn't removed. Submitted dispute on XX/XX/XXXX wasn't resolved until XX/XX/XXXX and still wasn't corrected!.

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

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
On XX/XX/year> I received a threatening voicemail that someone was going to deliver papers to my residence or work on XX/XX/year>. They left a number to call and I did. XXXX. A guy answered but didnt have a company name. I gave a case # and he was rude. He would not provide any detail about the debt except for the creditor name Zoca Loans which apparently thousands of people are being scammed by. I called a number provided XXXX but no answer. I called several times and it would ring then disconnect. I need this to stop! 

They are telling me to pay {$2000.00}

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What happens was the a a person did fraud on me in XXXX and they ended up stealing {$1500.00} from me. I was extremely mad and sad because the at money was my financial aid money for me to pay my things for school. I went to Chase to see if they can help me with it and they said they couldnt do anything. I also filed a police report because the person at Chase said then they can give me back my money but they never did. I still havent gotten my money back.

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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I asked for purchasers agreement to verify this 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 2025-01-15 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: MI

Complaint narrative:
i would like the CFPB to assist with removing these inaccurate items due to neglect and sham investing on Experians behalf. These negatives has impacted me and caused me not to be extended future credit. I have been disputing these accounts for years and Experian refuses to block these accounts. I have submitted proof that transnunion and XXXX have assisted in removing these harmful items from my credit report. XXXX has also removed these accounts in 4 business days!!!!!!!!! I am in the process of suing Experian and they can fined upto {$1000.00} per fcra violation!!!!!! I have attached proof of identity as well as the XXXX data breach proving my information was compromised!

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Inion 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 settles 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I use Zelle all the time. Despite using Zelle numerous times and reporting issues, my bank and Zelle failed to investigate my claims. They told me that recovering those funds is impossible and they couldnt track the transactions. Neglecting to protect its costumers, it makes it easier for users to fall victim to scams, etc. the lack of transparency is scary and unacceptable and raises serious concerns about safety while using zelle.

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:
Experience has failed to do a full investigation to validate accounts listed on my credit report.leaving unverified and inaccurate accounts unresolved.The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward customer provided evidence. Please remove this inaccurate information for Experian has failed to properly do so!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 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On or about XXXX the XXXX, XXXX I got a notice to transfer effective XX/XX/XXXX. On or about XX/XX/XXXX I got a statement from Rushmore servicing about setting up the account and payment due and owing. I requested a repayment plan and was told that my loan would take 60 days to set up with no late fees and not to worry once my data was in my online portal I could request repayment plan options. Yet, 30 days later XX/XX/XXXX my online access was locked and no payments were allowed and I was in foreclosure without getting a notice to accelerate or intent to foreclosure on a transfered account less than the promised 60 day forebearance of any late fees or issues. I was charged for 2 property inspections and legal fees, when I asked who was the law firm and why I had not gotten a due process formal foreclosure civil lawsuit at my address, I was told 'it 's on the way to be patient '. I contacted the XXXX XXXX civil division clerk of courts and no such records of case against me could be found. I contacted the 'law firm ' asking for assistance in saving my home and getting my reinstatement numbers to make a payment but the law firm XXXX XXXX said they could not locate my file and they were backlogged sending me back to the servicer. I went back to the servicer and they could not produce a lawsuit, a notice of intent, nor options. I was told to wait to lose my home in the courts. I asked for the account to be unlocked and payments allowed because they promised that within transfer and 60 days mortgagees could get details and make payments. My account immediately upon transfer went directly to an outside law firm. I had recently made 11 payments on time without missing then became disable from a work injury, and was told they have no disability options only loan modifications or total reinstatement court cost legal fees for me. It is apparent with a locked account and no due process per foreclosure and information that I'm just waiting to be sunk and saddled with fees and debt. Rushmore servicing has a client rep that has not called me back and an ombudsmen office that has not returned my calls and all I can do is view 2 statements and make no payments on the account. Seems willful and intention when my loan transferred I owed 3 months @ {$1600.00} a month less than {$5000.00} and they prefer to take my home and kick me into the streets. My escrow is over paid and I have {$5000.00} cash that they will not accept to bring the loan current.

Company response to consumer: Closed with explanation