vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: FL

Complaint narrative:
I am filing a formal complaint regarding unauthorized credit inquiries appearing on my Experian credit report. Despite my repeated attempts to resolve this matter directly with Experian, no action has been taken, and I have received no correspondence or evidence of an investigation. Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXXXX/XX/year>. Actions Taken : XXXX. XX/XX/year> : I sent a written dispute letter to Experian, requesting an investigation into these inquiries. I made it clear that the inquiries were unverified, unauthorized, and unrelated to any account or credit application l initiated. I also requested : Proof of the investigation. Evidence showing | authorized these lenders to access my credit report. Immediate deletion of the inquiries if they could not provide the requested proof. XXXX. XX/XX/year> : I followed up with a second written dispute letter to Experian, reiterating my concerns and restating my requests for investigation, verification, and potential removal of these inquiries. Experian 's Lack of Response : To date, I have received no correspondence from Experian confirming receipt of my dispute, nor have I been provided any evidence of an investigation or proof that these inquiries are legitimate. This failure to respond and act in compliance with the Fair Credit Reporting Act ( FCRA ) is unacceptable and a violation of 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 2025-01-19 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: WA

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 NUMBERXXXX 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.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: WA

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 NUMBERXXXX 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.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX  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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Collection Management Holdings, LLC
State: NC

Complaint narrative:
I am filing a complaint against XXXX and XXXX XXXX and also XXXX XXXX for their failure to comply with federal laws regarding debt validation and credit reporting accuracy. 


COLLECTION MANAGEMENT and also XXXX XXXX has not provided proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I requested validation, including : 1. Evidence that they have the legal right to collect the debt.

2. A written contract or agreement signed by me that demonstrates my obligation to pay.

3. A full accounting of the alleged debt, including the original creditors name and a breakdown of the amount.

Despite my request, they have failed to provide any of these documents. 


XXXX is reporting this account as verified, yet they have not provided any evidence of a proper investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I requested that they perform a thorough reinvestigation and provide documentation to support their findings. However, no such documentation has been provided, and the debt remains on my credit report without proper substantiation.

Applicable Legal Precedents : The U.S. Supreme Court case Heintz v. Jenkins, 514 U.S. 291 ( 1995 ), establishes that debt collectors must comply with the FDCPA. 

In TransUnion LLC v. Ramirez, 594 U.S. _ ( 2021 ), the Court reaffirmed the importance of accuracy in credit reporting and consumer rights to dispute inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effectively 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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
XXXX, XXXX and demand for TILA disclosures regarding {$0.00} payments received from me and " servicing advances '' paid to undisclosed to me parties from unknown to me funds. 
I received XX/XX/XXXX " billing statement '' evidencing that here are XXXX payments are made during my bankruptcy- even though XX/XX/XXXX " billing statement '' showed {$17000.00}. Please explain where all my payments disappeared. 
On XX/XX/XXXX lawyer XXXX told XXXX XXXX that PennyMac Loan Services , LLC is my ONLY Creditor who is allegedly " servicing themselves ''. See Transcript, page XXXX attached. 
According to " Financials '' provided to me by XXXX XXXX XXXX XXXX XXXX [ whose artificial intelligence responds complaints addressed to faux company PennyMac Loan Services , LLC ] here are hundreds thousands in " servicing advances '' paid to unknown to me parties from undisclosed to me funds I demand to explain where {$17000.00} disappeared and why here is {$0.00} paid from my funds Please disclose who is entitled to receive and who actually received these Servicing Advances -for example, {$7700.00} paid XXXX times in XX/XX/XXXX and thousands each month in prior months Please provide direct contact information for the accountant/bookkeeper of the Creditor who has personal knowledge about all these fees and charges as well as how much was received from me during my bankruptcy ; by whom and on whose account receivable my payments were deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I initiated a balance transfer with Wells Fargo. In over XXXX weeks time there was no movement. I checked my emails. I received no email ( s ) regarding the balance transfer.

There was also nothing in my online portal ( both through the mobile app and on a desktop ) reflecting, the balance transfer was occurring. 

I also received nothing in the mail in hardcopy regarding it. 

I also checked my statement with them, which was available as of XX/XX/XXXX. As per my agreement with them, my statements are to be accurate and up-to-date. My statement did not show the initially requested balanced transfer either. Please see the attached document. 

Therefore, since all of this information was missing from all accessible formats for me as the account holder ( which would be against the terms and conditions I agreed to when signing the initial card agreement and eventual balance transfer, since they have obligations to the consumer ) I safely assumed that my initial request for a balance transfer did not go through. 

Due to the aforementioned, I resubmitted a balance transfer request. 

However, XXXX balance transfers suddenly went through simultaneously as of XX/XX/XXXX. Such as reflected on my online account with them. See the attached. 

Despite calling Well Fargo ( on XX/XX/year> and speaking to XXXX ID # XXXX ) immediately upon noticing the issue they were not willing to rectify it nor waive the duplicated balance transfer fees ( which at 5 % each is a total of over {$500.00} ). This is also considering the fact that XXXX of the balance transfers has still not posted to the original credit card company they are paying on my behalf, just to my Wells Fargo account. So its still within their power to correct it with the company before they post it yet Wells Fargos is simply unwilling to.

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 monetary relief
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
Had XXXX lease with XXXX financial for XXXX  months, hade to extend lease another XXXX  months and paid even though the XXXX cars were not working properly because of a safety recall that they had not fixed for, I also couldnt drive the cars because the insurance company canceled me because of the safety recall. 

All this time from the beginning of lease the XXXX accounts were on AUTO PAY. 

They further put XXXX late payments on the XXXX accounts and ruin my credit. 

I have been calling them about the problems and they do nothing but hang the phone up on me. 

I am in the process of getting legal help to get all the phone call recordings I made because thats what they told me I have to do. 

I am also seeking reimbursements for the unnecessary payment I made when car was not working and they refused to give me a loaner car.

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 2025-01-20 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: MD

Complaint narrative:
Had XXXX lease with XXXX financial for XXXX  months, hade to extend lease another XXXX  months and paid even though the XXXX cars were not working properly because of a safety recall that they had not fixed for, I also couldnt drive the cars because the insurance company canceled me because of the safety recall. 

All this time from the beginning of lease the XXXX accounts were on AUTO PAY. 

They further put XXXX late payments on the XXXX accounts and ruin my credit. 

I have been calling them about the problems and they do nothing but hang the phone up on me. 

I am in the process of getting legal help to get all the phone call recordings I made because thats what they told me I have to do. 

I am also seeking reimbursements for the unnecessary payment I made when car was not working and they refused to give me a loaner car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: MD

Complaint narrative:
Had XXXX lease with XXXX XXXX  for XXXX  months, hade to extend lease another XXXX  months and paid even though the XXXX cars were not working properly because of a safety recall that they had not fixed for, I also couldnt drive the cars because the insurance company canceled me because of the safety recall.

All this time from the beginning of lease the XXXX  accounts were on AUTO PAY. 

They further put XXXX late payments on the XXXX accounts and ruin my credit. 

I have been calling them about the problems and they do nothing but hang the phone up on me. 

I am in the process of getting legal help to get all the phone call recordings I made because thats what they told me I have to do. 

I am also seeking reimbursements for the unnecessary payment I made when car was not working and they refused to give me a loaner car.

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 2025-01-19 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: MI

Complaint narrative:
I am 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 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 2025-01-19 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling 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. 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 2025-01-19 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: VA

Complaint narrative:
I am 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 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 2025-01-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX 1937 XXXX XXXX XXXX 
XXXX, XXXX XXXX LVNV Funding XXXXLC/Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX XXXX : Formal Dispute of Debt Accuracy Account with LVNV Funding LLC/Resurgent To Whom It May Concern, I am writing to formally dispute the account associated with LVNV Funding LLC/Resurgent and the alleged original creditor, XXXX XXXX, which appears on my credit report. This account is being inaccurately reported under my name and is negatively impacting my credit. 

I have provided documentation, including proof of my energy account records, which clearly demonstrate that I have never had an account with XXXX XXXX. Despite this, the account continues to be reported under my name, and no valid documentation has been provided to substantiate the debt. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) : I request a thorough reinvestigation of this matter.

2. FDCPA Section 809 ( 15 U.S.C. 1692g ) : I demand validation of this debt, including : Evidence that this account belongs to me. 
All supporting documentation, including a signed contract or agreement. 
A detailed breakdown of the alleged debt amount. 

Furthermore, I would like to bring your attention to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for its failure to comply with federal consumer protection laws, including providing misleading credit reports and failing to address consumer disputes appropriately. This ongoing legal action highlights Experians repeated violations of consumer rights and reinforces the need for immediate and thorough compliance in resolving this matter. 

Both LVNV Funding LLC/Resurgent and XXXX have failed to provide the legally required documentation to prove this debt is valid. Without proof, this account must be removed immediately, as required by FCRA Section 611 ( a ). 

Furthermore, the continued reporting of this account as valid constitutes fraudulent activity and is a violation of my consumer rights. I demand that this account be removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no option but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other relevant authorities. 

I request that all future correspondence regarding this matter be sent to my address listed above. Thank you for your prompt attention to this matter, and I look forward to your timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: OH

Complaint narrative:
I am writing 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