vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Subject : Formal Complaint Against XXXX  Regarding Withheld ACH Transfer Funds XXXX  Case Number : # XXXX. 

Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX, a service operated by PayPal, regarding the improper withholding of funds totaling {$1000.00} following a returned ACH transfer from XXXX Bank. 

On XX/XX/XXXX, I initiated a transfer of {$1000.00} ( Transaction ID XXXX ) from my XXXX  account to my checking account at XXXXXXXX XXXX Unfortunately, XXXX XXXX  closed my checking account on the same day due to inactivity. 
They had mailed a letter advising of the upcoming account closure, but unfortunately, I was in XXXX for 2 months and did not see the letter until I returned on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX  returned the {$990.00} ( {$1000.00} - {$17.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has confirmed in writing that the {$990.00} was returned to XXXX  via an ACH Transfer. Despite multiple attempts to resolve this matter directly with XXXX  and providing proof of the returned ACH transfer, XXXX has been unwilling to credit the returned funds to my XXXX  account. 
In XXXX  's last email, dated XX/XX/XXXX, they even failed to acknowledge the ACH Transfer from XXXX XXXX  and instead reiterated that their transfer, dated XX/XX/XXXX, was correct. 

This failure to return the funds has resulted in financial hardship and a lack of access to my money without proper justification. I request that the CFPB investigate this matter and ensure that XXXX  promptly credits the returned funds to my account. 

I have attached all relevant documentation, including : Proof of the original transfer from XXXX. 

Correspondence with XXXX XXXX  confirming the return of funds. 

Screenshots of communication with XXXX  's customer service. 

I request your assistance in facilitating the return of my {$1000.00} and holding XXXX  accountable for the improper handling of ACH transfers. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Recently, I had a credit card hacked and started a Wells Fargo claim # XXXX and used by a merchant that resulted in a case with the CPFC # XXXX. After several months, the Wells Fargo claim was completed and refunded to my account. At this time, I cancelled the existing Wells Fargo XXXX # XXXX XXXX XXXX XXXX and I asked for a new credit card number. 

Wells Fargo issued a new credit card # XXXX and they gave it to every merchant before I got the new card in the mail. Wells Fargo gave every merchant and contact the new credit card and 3-digit security card. How stupid is this? I am tired of seeing news updates of major corporations hacked and i can't protect myself from it.

# 1 I need another new credit card again with new numbers. I do not want Wells Fargo to share this new card information with anyone thru automatic account update services. I will share it with merchants, I will authorize who uses my credit cards, not Wells Fargo. I can not believe how stupid this is.

# 2 Please have Wells Fargo Opt Me Out of Visa Account Updater immediately.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several negative items on my credit report, which I believe were not properly investigated as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. These items were either reported after being disputed, inaccurately reflect my account history, or were re-added after being settled or removed previously. Under the FCRA, I am entitled to have my credit report accurately reflect my financial history, and these improperly reported items are a violation of that right. Specifically, under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation into disputes within 30 days, and these items have not been handled in compliance with that requirement. Therefore, I demand the immediate removal of all negative items that were not properly investigated, and I further request that all items that were previously paid or disputed and re-added be removed within 5 days from the date of this letter. If these items are not removed within the specified time frame, I will take further action as provided for under the FCRA, including seeking legal counsel. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XXXX, discovered that Wells Fargo had opened a credit card account in my name without my knowledge or consent. I was unaware of this account until I reviewed my credit report. 

Upon noticing the unauthorized account, I immediately contacted Wells Fargo to dispute the account and request its closure. I also mention any actions taken, such as disputing with credit bureaus, or contacting law enforcement The account had a balance of XXXX, and I never used or authorized any transactions on it. Despite my efforts, [ describe any challenges, such as lack of response, failure to resolve the issue, impact on credit score, etc. ].

I am seeking a full resolution, including the closure of the account, removal of any negative impacts on my credit report, and reimbursement of any fees or damages incurred.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$7900.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt. 

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law. 

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies that I formally dispute. Please verify or remove the following : accounts with XXXX XXXX ( XXXX ), LVNV Funding LLC ( XXXX ), and XXXX XXXX XXXX ( XXXX ), as I do not recognize or have any agreements with these entities. Additionally, I request the removal of unauthorized hard inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXX XXXX ( XX/XX/year> ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), I request an investigation and removal of unverifiable items within 30 days. Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for negligence, further underscoring the importance of ensuring the accuracy of consumer credit reports. XXXX violates my rights as a consumer also making it practically impossible to purchase my first home or new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. There remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: SC

Complaint narrative:
Requested dates and correct amount of dept supposed owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navt 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 for similar practices, where transactions settled with I suffice 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 2025-01-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX  {$630.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$7400.00} In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.

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 2025-01-27 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: CA

Complaint narrative:
I am filing this complaint because Experian continues to report incorrect and fraudulent information on my credit report despite my previous attempts to resolve the issue. This erroneous reporting is damaging my credit, and Experian has failed to remove or correct the inaccurate information. 
In XX/XX/year>, I discovered that fraudulent information was being reported on my Experian credit report. The accounts in question was opened without my knowledge or consent, and I immediately disputed the inaccuracies through Experian. However, despite providing the necessary documentation, including an identity theft report and filing a previous dispute, Experian has failed to adequately address the issue and continues to report the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward an-= ;? consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures again with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 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 2025-01-27 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward an-= ;? consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures again with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX has not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Im revoking all rights of them communicating with you through XXXX text/calls In your dispute letter your requesting debt validation. 
Your also requesting the purchase agreement between them and the original creditor. 
Youre also requesting that they furnish proof that they are licended and bonded. 
DEPTEDNELNET

Company response to consumer: Closed with explanation