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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX  ( acct number : XXXX ) on XX/XX/year> and it came back verified the same day. They did not investigate properly nor did they send me and contracts bearing my signature. Experian has failed to fulfill its legal obligation under the Fair Credit Reportin Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Burea ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 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: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX has been calling me for the last several months. Recently, they have started to text saying I owe a debt of thousands of dollars. I wrote them to validate the debt, but they did not respond. They called me again and denied that I wrote them. 

The debt they are referring to is from ABC Fitness Solutions, which handled the payments of my gym membership. I called ABC Fitness to cancel when I stopped attending the gym. They told me I needed to send a buyout check. I sent it as they asked. ABC Fitness continued to charge me monthly fees. I called them again to cancel, they denied that I had ever cancelled or that they ever got my check. I called my local XXXX XXXX to resolve this. The manager told me that he got it resolved and I didnt owe any money. I double checked that I was all paid up and they assured me that it was completely covered

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern Request for Refund of XXXX Payment Sent in Error I am writing to bring to your attention a mistake regarding a XXXX payment I sent on XX/XX/year>. The payment of {$200.00} was not intended for XXXX, it was mistakenly sent. 

The transaction details are as follows : Date : XX/XX/year> Amount : XXXX Recipient Email/Phone : XXXX Reference/Transaction ID : XXXX I have already contacted my bank/XXXX  support team regarding this issue, and they have advised me to reach out to the recipient directly. I would greatly appreciate your cooperation in resolving this matter as soon as possible. 

If you require any additional information or documentation to process my request, please let me know.Thank you for your understanding and prompt attention to this matter. I look forward to your response. 

Sincerely, 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: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date of Birth ] Portfolio Recovery Associates [ Collection Agency Address, if known ] Date : [ Insert Date ] To Whom It May Concern, I am writing to formally dispute the alleged debt of {$240.00} associated with the account mentioned above, which is listed on my credit report under the original creditor XXXX XXXX XXXX XXXX  XXXX XXXX This dispute is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I request that you validate this debt.

Specifically, I request the following : 1. Proof of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, interest, fees, or charges applied.

3. Proof of your agencys authorization to collect this debt on behalf of the original creditor.

4. Proof of a contract with your agency, bearing my signature, that authorizes the collection of this alleged debt. 



Until you provide sufficient documentation to validate the debt, I request that you cease all collection activities, including reporting this account to credit bureaus such as XXXX, XXXX, and XXXX. 

Additionally, I have not authorized any release of my personal information to third parties. Sharing nonpublic personal information without authorization violates the Gramm-Leach-Bliley Act.

If you can not validate this debt, please remove this account from my credit reports immediately. Noncompliance will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney generals office.

Please respond to this request in writing within 30 days of receiving this letter. I appreciate your cooperation in resolving this matter.

Sincerely, [ Your Full Name ] [ Your Contact Information ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sent some money through XXXX and the other person never received it so I sent it a couple of times my bank said that I had already submitted that information to that person and sent the money and I couldn't do anything about it the money was lost

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: 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: AL

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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX : # XXXX, XXXX XXXX : # XX/XX/2024, has violated my rights.

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: 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:
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 theses 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 2025-01-15 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: AR

Complaint narrative:
I do not believe that Experian is actually investigating, validating, and verifying my complaint. Experian is unable to provide me details of whom they spoke too and when, whom investigated the issue, or provide information on where original documents/contracts might be in order to inspect them. It should be noted that the CFPB has sued Experian on XXXX XX/XX/XXXX for Experian not actually investigating complaints. My case should be clear cut in that Experian is duplicating an alleged debt between Florida and Arkansas. I have no debt in Arkansas. There is no judgement or court order that exists in Arkansas. I have inquired with Experian only to be ignored. I have contacted Experian by certified signature required mail. I have contacted Arkansas with what little information I have via certified signature required mail and have not received any response to verify and validate any alleged debt. If needed I can provide photocopies of proof and I do have originals in my possession. Experian due to its incorrect credit reporting is creating situation where it is hard for my family, wife, and children to even obtain housing or transportation the way it has wrecked my credit, which was previously around XXXX. 

The debt is still being litigated with Florida, as even there should be no debt there, as the case was closed and moved to Alabama Attached will be court order showing Alabama is the appropriate state and jurisdiction. Also attached is letter from Florida showing alleged debt is current/paid/zeroed out, whatever on XXXX XX/XX/XXXX. I would like the option of providing additional documents in support of my complaint against Experian, if it can be narrowed down to what is needed. Even the Florida debt on my report should be off, as it contradicts the debt being current or cleared in 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle and financial institution has failed to solve my claims and issues regarding to money transfers domestically. Zelle has failed to protect the consumers and prohibit exploiters from scamming and attempting multiple fraud attempts.

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 the way Zelle handles disputes, especially in light of the recent lawsuit filed by the CFPB, which highlights serious issues with the platform. Despite using Zelle on numerous occasions and reporting discrepancies, both my financial institution and Zelle have failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to protect its customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is concerning and raises significant questions about the safety of its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I have been paying on school loans since XXXX. I have worked in a nonprofit/public sector since XXXX and therefore, I have may more than the XXXX payments on student loans. However, none of my payments prior to XX/XX/XXXX are showing up. All of my employment since XXXX has been approved by XXXX as qualifying employment. I have made phone calls to the Office of Student Aid, the ombudsman and XXXX and have not gotten any help. When I call, I get told to keep waiting for the system to update or XXXX tells me to call Student aid, then student aid tells me to call XXXX. I've tried to get these updated since XXXX of XXXX. I have documentation that shows I made payments to XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I was in in-school deferment from XX/XX/XXXX and then XXXX hit and all loans were in administrative forbearance. Then my account was then transferred to XXXX in XXXX of XXXX. 

I am seeking help getting these payments to show up so that I can finally get XXXX approved. Thank you for your assistance

Company response to consumer: Untimely response
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX charged me for a service that did not result in any vaccines or support. The person who I met with at XXXX XXXX XXXX  XXXX was intended for a vaccine visit. That did not happen. Instead, XXXX XXXX XXXX XXXXXXXX had me meet with someone who could not provide me with any medical advice or vaccines. She was actively utilizing the XXXX XXXX XXXX when I asked whether the vaccines were safe for XXXX. When I requested a visit with this provider, I expected medical advice from a professional. Not someone who was utilizing XXXX and XXXX when I had questions. I called and disputed this charge. I am now receiving a letter from a debt collector called PFC.

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 2025-01-15 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: 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 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : INQUIRIES : EQUIFAX : INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX XXXX : INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX DATE : XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions as 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 2025-01-15 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: FL

Complaint narrative:
Experian has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable re-investigation 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 Experian, alleging symstemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or armed the disputed accounts, 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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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