vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
i submitted my credit for a refinance of my home was issued my report and there was on XX/XX/year> a fraudulent account for the amount of {$800.00} taking out with XXXX XXXX XXXX  using my personal information fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
i submitted my credit for a refinance of my home was issued my report and there was on XX/XX/year> a fraudulent account for the amount of {$800.00} taking out with XXXX XXXX XXXX  using my personal information fraudulently

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 2025-01-21 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: IN

Complaint narrative:
Iam 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 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank granted me a customary refund under XXXX in the amount of {$2100.00} for XXXX fraud. As a recovering XXXX XXXX XXXX XXXX, I requested requested the additional {$7800.00} fraud committed by my caregiver for use to assist her own ailing relative. 

A temporary credit of {$7800.00} was given under XXXX but {$2000.00} was designated to be recouped under the same number for " duplicate '' payments of transactions which did not match XXXX. A {$7800.00} debit was included without explanation on XX/XX/25. This was to have been part of XXXX submitted by telephone XX/XX/25. 

I wish to state that although all the Citibank representatives were helpful. Their marginal grasp of XXXX may have contributed to a lack of precision to resolve this matter in my favor. 

In short, I am an XXXX  year of individual recovering the the effects of XXXX XXXX XXXXXXXX and XXXX XXXX who needs above average consideration under these circumstances have been defrauded by my caregiver who used my check routing number fraudulently.

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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First National Collection Bureau, Inc.
State: MD

Complaint narrative:
On Wednesday XXXX XXXX XXXX  I received a call from my sister ( XXXX XXXX ) she was very upset as she told me a debt collection agency had been texting her multiple times about my debt that I owe to them. This made me very confused because I would never give a family members number out so I did not understand how they got her number. Not only that they had disclosed to her my personal information about my debt including a picture of how much I owe my account number and a payment plan that they had made up. This was all sent through text message to her. This company is called The XXXX XXXX XXXX XXXX XXXX phone number ( XXXX XXXX ). I called at XXXX pm on XX/XX/year>, this was a XXXX minute phone call. I spoke with a manager her name was XXXX she said she was the XXXX at XXXX in XXXXXXXX XXXX. On this phone called I explained that I never have any type of consent to contact family members of mine of disclose my personal information. She kept saying it was a mistake and she offered to take 50 % of of my loan. This does not make up for the fact that now my family knows my personal issues and I did not want them to. I also would like to know how and where did they get my sisters phone number from?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
You have XXXX derogatory marks on my credit report for the amounts of {$290.00}, {$390.00}, {$500.00} {$550.00} .I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : XXXX. Documentation verifying that the alleged debt is valid and that I am responsible for it. XXXX. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. XXXX. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. XXXX. Proof that your company is authorized to collect this debt on behalf of the original creditor. XXXX. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within XXXX days. Please respond in writing to the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I am receiving repeated texts from Halstead Financial addressed to XXXX regarding her XXXX XXXX XXXX XXXX This is not me. My name is not XXXX and I do not have a XXXX XXXX XXXXXXXX. One of the texts said that XXXX has stopped making payments and that is why the matter was referred to a debt collector ( Halstead Financial. ) I am concerned that my telephone number is somehow attached to this matter. I do not want it to impact my credit rating. Also I have not called Halstead Financial directly as I am concerned this is somehow a scam. I am not sure how to handle this. I have tried to simply ignore it but the texts continue. Please advise me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Chaparral Inc
State: OH

Complaint narrative:
North coast was removed from my credit report as a collection. Then it was reposted as a revolving account. I have never made an agreement with them about a revolving account I was never notified or asked if I agreed to a revolving account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I 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.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Another teller stormed over and stated if I refused to comply theybwould not provide assistance. When I requested to see that in Navy Federal Credit Union guidelines, she stated they do not provide customers with that information. I advised other locations had no issue assisting me with the request. She stated I should go to that location. When I requested the manager, she stated she would have to call and requested that I be seated so the teller could assist other customers. When I refused, she became visibly upset and I stated I am the customer here requesting assistance with my account and transaction and the other customers will have to wait just as I waited. She stormed off to call the manager and she returned and stated her manager said it can be a written request for the IRA team or they must physically hold my Drivers License to complete the transaction and if I refuse to leave or accept the written request she would need to speak with management about her next steps to have me leave the institution. 
All of this on the spot policy and refusing to provide proof of the policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX sent Comerica bank my benefits for XXXX back in XXXXXXXX XXXX XXXX the exact date XX/XX/year> and Comerica bank suppose to have issued me a XXXX XXXX card with my benefits already on it. I called bank and they told me that XXXX never sent them any money on my behalf when I contacted XXXX they told me money was sent. There were two back payments of {$620.00} for XXXX and XXXXXXXX XXXX XXXX and a XXXX payment of {$640.00}. I feel Comerica bank has stolen my money or they have somehow mismanaged my money. I'm XXXX I can't go to the doctor without my money or pay my bills. The ppl I talked to at Comerica bank XXXX XXXX advocacy group was someone name XXXX and XXXX. Something is not right. I have been waiting a whole month for my benefits and my card to be mailed to me. I need my benefits asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have spoken with a representative from Capital One requesting a 1099 C form for my tax application it is listed on my credit report as a charge off meaning that the debt has been canceled and I have to report it as income according to the IRS code. I spoke to the representative from Capital One and they said that the account is not canceled they just reported cancel that mean that is incorrect reporting and they must remove it from my credit report by their own admission is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am writing to formally dispute the account listed on my credit report associated with XXXX XXXX XXXX. This account, reflecting a balance of {$590.00} and dated as opened on XX/XX/year>, was not opened by me. I have no affiliation with your company, and I did not authorize this account. 

This erroneous entry on my credit profile is causing significant harm, as it is preventing me from obtaining a mortgage for my home. I am requesting that you thoroughly investigate this matter and remove this account from my credit report as soon as possible. 

To aid your investigation, I have enclosed copies of my credit report showing the account in question, along with any relevant supporting documentation. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting, and this account is demonstrably false. 

Please confirm in writing that you have received this dispute and provide an update on your investigation within the legally mandated XXXX period. Additionally, I request that you notify all three major credit bureausExperian, XXXX, and XXXX ensure this erroneous account is removed from my credit profile. 

This matter is urgent, as the incorrect information is adversely affecting my financial stability. I trust that you will act promptly to resolve this matter and remove the account from my record. 

Thank you for your immediate attention to this matter. Should you need further information or documentation, I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally submit a new complaint regarding the fees associated with my account, as outlined in your recent online communication. Specifically, I am concerned about the cash advances that have accrued interest, with the most recent advance recorded on XX/XX/year>, for {$1200.00}, which I did not request, and which the bank statement records as a cash advance.

Despite making three full payments to my account since the last cash advance, I have been charged additional fees as follows : XX/XX/year> : {$56.00} XX/XX/year> : {$9.00} XX/XX/year> : {$0.00} ( see picture ). 
These fees are exorbitant and have significantly impacted my financial situation. I feel that I have been unfairly charged for costs that could have been avoided with better communication. 
To prevent similar situations for myself and other consumers in the future, I propose that institutions like yours implement a policy to immediately notify customers via email and/or text message whenever there are open or pending cash advances or purchases accruing interest. Such notifications should clearly state that payments are pending and that by addressing them promptly, customers can avoid additional costs. 
In conclusion, I believe I have been treated unfairly in this situation, and I am reaching out to the CFPB for assistance. I kindly request your intervention in reviewing my case and considering my proposed solution to enhance consumer protection. I am sick and tired of empty excuses for the charges or even the computation of the same. 
Thank you for your attention to this matter. I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon receiving my credit report, I noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my credit health.

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 2025-01-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Upon receiving my credit report, I noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation