vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: SC

Complaint narrative:
I have disputed Fraud alert with XXXX, Trans union and XXXX on XX/XX/2024 nothing was done the problem still exists and no proof have been given of this investigation. 
XXXXdept of ED showing late payment that incorrect. 
XXXX XXXX Fraudulent XXXX XXXX Fraudulent XXXX  XXXX  XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX  XXXX XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX  Fraudulent XXXX, XXXX and Tran union has fail to fulfill its legal obligation under the fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit reports, leaving inaccurate or unverifiable accounts unresolved.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed Fraud alert with XXXX, XXXX XXXX and Equifax on XX/XX/year> nothing was done the problem still exists and no proof have been given of this investigation. 
XXXXdept of ED showing late payment that incorrect. 
XXXX XXXX Fraudulent XXXX XXXX Fraudulent XXXX  XXXX  XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX Fraudulent XXXX, Equifax and XXXX XXXX has fail to fulfill its legal obligation under the fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit reports, leaving inaccurate or unverifiable accounts unresolved.

Company response to consumer: Closed with explanation
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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX Nj XXXX XXXX XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT Subject : Dispute of Collection Account Dear MIDLAND CREDIT MANAGEMENT INC I am writing to formally dispute the collection account referenced above. I believe this account is inaccurate for the following reasons : 1. **Account Information : I do not recognize this account.

2. **Supporting Evidence** : 3. **Legal Rights** : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute debts that I believe to be invalid.

Please investigate this matter and provide me with documented proof of the debt, including a detailed account history. I request that you cease all collection activities until this matter is resolved. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I have NEVER received a bill from XXXX  XXXX regarding this debt from 2022. I had no idea I even owed them any money until I received the paper from Collections USA 2 weeks ago ( 2 years later after the procedure ). Last week all of a sudden this hit my credit and knocked my credit score down majorly. I no longer have the same insurance that I did back then so I have no answers as to why my insurance didn't cover this huge bill. I've always had good insurance that has covered most of my procedures or appointments.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Dispute of Inaccurate Address Under FCRA Section 605 ( b ) Dear Experian Dispute Team, I am writing to formally dispute inaccurate information on my credit report, specifically the incorrect address listed under ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX, address ID # XXXX in Report # XXXX. The address in question is incorrect and is the result of payroll identity theft. Please also remove all AKAs under names this is identity theft the only name reported on my credit report is XXXX XXXX XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ), you are required to remove any information that is deemed inaccurate, incomplete, or unverifiable. This address does not belong to me, and its inclusion on my credit report is causing confusion and potential harm to my credit profile. 
I have attached the following documents to support my dispute : FTC Report # XXXX I request that you : 1. Remove the inaccurate address from my credit report immediately.

2. Provide me with written confirmation of the changes made.

3. Refrain from re-adding the address unless verified per FCRA standards.

Please note that I am exercising my rights under the FCRA to ensure that my credit report is accurate and free of errors. I trust you will resolve this matter promptly and notify me of the results of your investigation within the legally required time frame. 
Thank you for your attention to this matter. Please feel free to contact me at XXXX or email XXXX if additional information is needed. 
Sincerely, 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive had a couple issues of XXXX  these issues was XXXX I had someone come purchase a box of XXXX decorations for {$45.00} in XXXX of 2023 the transactions was paid via XXXX I got the text messages stating I received the Money moments later. After this transition I log into, my account and see that the money was pending and the following day it show that the money was ether canceled or re tracked so I never received my money. 


Chase was not able to help with this. 


Anything instant was me acctidently sending {$100.00} to a number that I accidentally typed one number wrong or off and when I contacted the bank I was not able to retrieve it

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: IL

Complaint narrative:
In XXXX of XXXX  I was charged large amounts of over draft fees because Navy Federal allowed several unauthorized transaction to go through in my account after I reported my card being used by someone else and had a new debit card sent out

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: TN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
The mortgage company that I am filing the complaint on is New Rez/Shellpoint. My grandmother passed away on XX/XX/XXXX. I was the cosigner on her mobile home mortgage. I paid the payments until XX/XX/XXXX but was unable to make the payments any further. Several phone calls were made with them from the time of the missed payment until early XXXX we seemed to be getting somewhere with letting the mobile home go back. In XXXX of XXXX we were told to submit a voluntary surrender letter so the home could be picked up. That was submitted with no response until XXXX of XXXX. They sent someone out to take photos of the home. A letter was received from Shellpoint in XXXX of XXXX stating that they did not want the home and the account was closed to any further charges and was charged off. They said in the letter to call about a settlement amount. We had someone interested in purchasing the mobile home and removing it from my brothers property. He tried on several occasions along with my brother to get a settlement amount but never could get a response from them. They just stopped taking any calls. The mobile home ended up going to that person with no money exchanged. When the paperwork was done there were no liens currently showing and the paperwork was filed with the XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. For over 3 years we heard nothing from them until a sheriffs deputy tried to serve seizure of property while me and my husband were at work ( this was on XX/XX/XXXX ). I called the clerk of courts office and was able to talk to the deputy and he explained everything to me and that he could see that the mobile home was not on our property in XXXX XXXX, he told me not to worry that the papers would just go back. Then last Thursday XX/XX/XXXX I was served with legal papers that I was being sued. So after almost 4 years of no communication now they are suing me. I have attached the documentation that I have of the correspondence with the mortgage company and the legal papers I was served last week. The ending balance on the account was {$22000.00}.

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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Account being reported as a charge off and it should not be reporting at all. This is causing me hardship on my credit file.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handing of disputes, particularly in the light of the reason 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 tracking these transactions was infeasible. The CFBBs findings indicate that Zelle has not only neglected to protect consumers but 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 consumers 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: WA

Complaint narrative:
Filed dispute with Experian on XX/XX/XXXX ( report number XXXX ) - Regarding XXXX XXXX from XXXX in the amount of {$1500.00}. Original creditor was XXXX XXXX XXXX XXXX. I advised Experian to investigate this collection as this does not belong to me. Received a response back on XX/XX/XXXX from Experian stating debt was verified and updated. However, there is no evidence backing up their findings. Since CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence, accepting unreliable responses. These failures align with my experience, Experian has not done a proper investigation, nor removed the disputed collection, causing harm to my credit. I am requesting immediate corrective action to remove the disputed account, 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: TX

Complaint narrative:
So my navy federal account was overdrawn for XXXX dollars. They knew I did not have the money in my account and they let the transaction go through anyways.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The following inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions isn't feasible. The CFBPs 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 saftey.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I called them and they could not even verify my address. Asked them to send me a wet signature of any information from me that identifies this debt is mine and it is still on my credit report with no information from them. I want this resolved immediately because giving them 30 days is not acceptable when they never verified that this is my debt because it is not. I want this removed from my credit report immediately. It is not my debt and is making my credit score horrible. I disputed the information with the credit bureaus and they have yet to remove anything.

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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach.Other reviewing my credit reports I notice some accounts I am not familiar with.I have asked the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of id the FTC complaint and copy of my XXXX report showing my information being exposed in a national databreach and Validation of debt letter.

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