vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I'm here to ask for help. Chime has closed my account. They charge me additional fees, and my issue with money being taken from my account has not been resolved. I have received the most appalling service from this company. They told me that they could not reopen my account and that it was shut down for no reason. They didn't give me any explanation whatsoever. There are funds left in my account, and I still haven't received them. Can someone please help with this matter immediately?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I lost monies due to the Zelle app that my bank allows us the send funds to others for payment. Until recently there was no verification before sending funds, which means if you sent funds to the wrong person you were simply out of the money. I think that was reckless & confusing for the consumer.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered that my personal information has been exposed with the Equifax data breach. I am very upset that my privacy has been exposed.. I am also upset that fact that I have not given anyone written consent to share my personal information 15 U.S.C 6802 obligation to disclose personal information. Where is the accountability? To my unsderstanding as a federal protected comsumer all financial institution must protect the right for privacy. Due to the fact my personal information was exposed I am demanding the non affiliated agencies such as Equifax, XXXX and XXXX to delete all accounts listed with the FTC report below. This is my formal written consent to remove all unathorized accounts from my consumer report. 15 U.S.C 1681b ( 2 ). I have attached a copy of the screen shot the Equifax data breach results.

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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC {$1000.00}, {$870.00} 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 : 1. Documentation verifying that the alleged debt is valid and that I am responsible for it. 2. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. 3. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. 4. Proof that your company is authorized to collect this debt on behalf of the original creditor. 5. 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 30 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Iam being charged XXXX $ per transaction on top of the actual transaction fee which is outrageous. They are taking over XXXX $ XXXX from me.

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: IL

Complaint narrative:
Zelle never had a disclaimer that said once the transaction was submitted that was final and money was technically lost is space if any info was incorrect

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: NC

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the immediate unfreezing of my credit file. See attached document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I took out a vehicle loan with Navy Federal on XX/XX/XXXX. I filed XXXX XXXX bankruptcy on XX/XX/XXXX in which I reaffirmed the vehicle. When my bankruptcy closed out in XX/XX/XXXX I contacted Navy Federal in XX/XX/XXXX to resume my payments since my online access was no longer working. They advised me that the vehicle had been XXXX in bankruptcy not reaffirmed. After investigating, it was determined that Navy Federal never turned the reaffirmation agreement document back into my lawyer or the court so the loan was never reaffirmed. My attorney had to reopen my bankruptcy case in XX/XX/XXXX to have the reaffirmation form filed with the courts so that I could resume payments. After the reaffirmation agreement was finally filed with the courts, I noticed that my loan date for Navy Federal was now showing as being opened XX/XX/XXXX with a totally different loan #. I reviewed my credit report and also noticed that my original loan was no longer on my report which caused me to lose 2 years worth of positive payment history ( XXXX ). I also noticed that my loan no longer included my GAP insurance which I had on my original loan. I never resigned any loan documents authorizing a new loan date or declining XXXX coverage. When I called Navy Federal to question the discrepancies, I was advised that due to them closing my account out in error vs doing the reaffirmation, they had to create a new loan, with a new account #, and the date had to reflect the date the bankruptcy was closed out. I have filed bankruptcy in the past and have reaffirmed a vehicle so I know this is not correct handling. I have another vehicle with Navy Federal that I am the cosigner on that my ex husband filed bankruptcy on and reaffirmed and all of his loan information remained the same. The navy Federal bankruptcy rep ( XXXX XXXX XXXX admitted that he dropped the ball and forgot to file the reaffirmation agreement on my case.

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 2025-01-21 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: FL

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 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. 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 2025-01-21 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: GA

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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered an unauthorized inquiry by XXXX XXXX dated XX/XX/year>, on my TransUnion credit report. I did not authorize this inquiry or provide permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). I immediately submitted a dispute letter to TransUnion, requesting verification of the inquiry, including documentation of a signed consumer authorization. Despite this, I have not received adequate evidence proving the legitimacy of the inquiry.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I tried several times to remove the pmi and I was told there is no way to remove even after loan to value was paid down over 20 %. They told me it would be on there for the life of the loan.

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: NY

Complaint narrative:
I would like to be reimbursed for the reported transactions

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.

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: MN

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed 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: 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:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

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: 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: TX

Complaint narrative:
In XX/XX/XXXX, I had my car voluntarily repossessed due to the engine being bad, as I was sold a vehicle with a bad engine and was unaware of this issue. I have a balance of XXXX. This was reporting accurately up until XXXX of XXXX. As of XXXX of XXXX, it is reflecting that my car was voluntarily repossessed in XXXX of XXXX and that I have a balance of {$11000.00}. I have disputed this repeatedly through the credit bureaus, and my dispute has been closed repeatedly with no investigation. I have spoken with the original creditor ( XXXX XXXX ) who has advised me that they are unsure why the credit bureaus are reporting this inaccurate information, and that they never heard from the credit bureaus regarding the investigation. I have disputed it multiple times, and they have closed it with XXXX investigation multiple times. My last time disputing this was in XXXX of XXXX with all XXXX credit bureaus. 
Additionally, experian is the only one who sent me my results via mail, and I believe it XXXX have exceeded 30 days as well.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I had my car voluntarily repossessed due to the engine being bad, as I was sold a vehicle with a bad engine and was unaware of this issue. I have a balance of XXXX. This was reporting accurately up until XXXX of XXXX. As of XXXX of XXXX, it is reflecting that my car was voluntarily repossessed in XXXX of XXXX and that I have a balance of {$11000.00}. I have disputed this repeatedly through the credit bureaus, and my dispute has been closed repeatedly with no investigation. I have spoken with the original creditor ( XXXX XXXX ) who has advised me that they are unsure why the credit bureaus are reporting this inaccurate information, and that they never heard from the credit bureaus regarding the investigation. I have disputed it multiple times, and they have closed it with XXXX investigation multiple times. My last time disputing this was in XXXX of XXXX with all XXXX credit bureaus. 
Additionally, experian is the only one who sent me my results via mail, and I believe it XXXX have exceeded 30 days as well.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please block and remove the following accounts Due to XXXX data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address 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 2025-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This is our second complaint regarding our Navient Private Student Loan for the defrauded XXXX XXXX. After our initial complaint, we finally did receive a School Misconduct Discharge application from Navient and immediately filled out the long form. ( XX/XX/XXXX ) We mailed a copy and also faxed a copy to Navient, just to make sure they received the form. By our request, our loan was put on forbearance, pending review for loan forgiveness In XXXX, we were informed XXXX took over the loans from Navient and our payment was due on the XXXX of the month, once again. I emailed Navient to ask the status of our application and their reply was Please be advised XXXX is your new student loan servicer and you need to contact them with any questions. ( XXXX XXXX, XXXX ) We began making payments to XXXX. ( Please note that on the XXXX log in, our loan has a red printed note, just as Navient login did, saying that our loan forgiveness is pending ) We contacted XXXX via phone. ( XXXX. XXXX, XXXX ) We were told Navient noted that they sent us the determination letters a few months ago. We never received any letter, nor did our son. We asked XXXX what address it was sent to? The lady responded " it says letters were returned from our address in XXXX and XXXX. '' Our son lived one year in XXXX in XXXX during college and we never lived in another country!!!! How could these determination letters not be sent to the address on the submission? 
We asked XXXX to put our loan on forbearance until we get answers from Navient. We are requesting the formal decision letter be sent to our home address on the forgiveness application. 
We were notified ( XXXX, XXXX ) by the Dept of Ed that the XXXX XXXX XXXX student loans were forgiven and we will be refunded by the provider but we also have not heard anything from either loan providers, also. 
Thank you. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation