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

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX {$1800.00} opened XXXX # XXXX,, XXXX XXXX XXXX {$460.00} # XXXX opened XXXX,, XXXX XXXX XXXX XXXX {$480.00} # XXXX XXXXXXXX XXXX XXXX XXXX {$1900.00} # XXXX opened XXXX, XXXX XXXX {$490.00} # XXXX opened XXXXXXXX.I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have had this account for over XXXX years. From day XXXX the limit was {$400.00}. To date the limit is still {$400.00}. When I inquired and ask for a limit increase I was told there was nothing they could to. That was the first time I requested to speak directly to a supervisor or underwriter. Once again I was told there was nothing that could be done. 
I ran into an issue where I had to rent a car and the hold from the previous rental hadn't released yet. They did granXXXX me a temporary ( XXXX month ) limit increase to {$900.00} so I could complete my rental. 

A day or so later I was able to secure XXXX credit cards {$10000.00} ( XXXX Fed ) and {$2200.00} XXXX. I was curious what Chase saw that these other XXXX banks didn't. I phoned to ask and they told me it was based on something that was on their own proprietary site XXXX XXXX. I had never heard of this until they told me. Supposedly it is powered by XXXX however the scores are very different. 

They also said I would receive denial letters with explanation in the mail. They never came nor was the inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My car is totaled direct auto paid car value minus the deductible I also have gap insurance thru XXXX XXXX they paid XXXX toward my deductible so I only owe XXXX XXXX how ever the car was sold with XXXX dents they or tryna make me pay for that on top of my XXXX XXXX dollar deductible they or still sending me car payments when they have been paid out they want let me pay my XXXX XXXX dollar deductible and they or tryna collect interest off the deductible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: WV

Complaint narrative:
XXXX XXXX  says I owe them money and I do not. They promise XXXX dollars if you sign up for the checking account and they never gave me this money. I have not received any written correspondence for this but text messages every day. The company is SIMM ASSOC DEBIT Collector. But this debit is supposably also at XXXX XXXX. I have canceled this bank account since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unable account resolved the consumer financial protection bureau recently filed a lawsuit against XXXX  alleging systemic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

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 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding my experience with Zelle, a digital payment service offered by my bank. I have encountered a situation where Zelle 's system failed to protect me. I am writing to formally express my concerns regarding Zelle 's handling of disputes, with regards to the recent CFPB lawsuit highlighting the significant issues with the platform. Please bear in mind, I have used Zelle several times and have reported discrepancies but my financial institution and Zelle have failed tremendously to investigate my claims adequately. Despite reporting the issue to both Zelle and my bank immediately, I was informed that trying to recover the lost funds would be impossible and that tracking these transactions would not be possible either. This has left me in a difficult financial situation, as Zelle has failed to provide adequate safeguards or remedies to avoid such matters. I believe Zelles lack of prevention measures and its refusal to assist in reversing the fraudulent transaction are significant issues that need to be addressed to protect consumers like myself. In regards to the CFPB 's findings clearly indicates that Zelle has completely neglected to protect consumers but has even more terribly allowed these repeat offenders to exploit the system, leaving consumers vulnerable to scams and fraudulent attacks. Overall, this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I am requesting that the CFPB look into the practices of Zelle and the broader issues surrounding its consumer protection policies, particularly related to prevention measures, dispute resolution, and how financial institutions can better assist customers in the event of scams. 

Thank you for your attention to this matter. I would appreciate any guidance or assistance you can offer regarding how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I called to talk someone about money being in my account during the pandemic. I was told they placing funds due to the stimulus we were receiving. I didnt ask for these funds. They were just placing in my account. Then wind up owing them over XXXX dollars. So theyve close my account and sent it in collections. So I have to go a debt collection company. Which dropped my credit score way down. So Ill have to pay the collection agency before I can get another account. This is crazy.

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: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Portfolio Recov Assoc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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:
Victim of identity theft my information such as social dob and identification has been compromised upon requesting reports from my credit there are XXXX XXXX XXXX Original creditor XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX {$210.00}

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

Complaint narrative:
I am filing this FTC report to report XXXX  Separate fraud accounts appearing on my credit report which I don't recognize. These accounts consist of a XXXX XXXX account opened at XXXX XXXX XXXX XXXX on XX/XX/2024 and a XXXX XXXX XXXX  account opened at XXXX XXXX on XX/XX/2024. As well as a XXXX XXXX account opened on XX/XX/2024. I demand these fraudulent items be deleted from each of my credit reports.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX child support was paid off lump sum XX/XX/XXXX. However shows negative marks until XXXX. 
Then they tried to put payments on same account from then til XXXX. But reported paid off and closed XXXX. How's that? 

However XXXX XXXX shows non payment for all years also. XXXX, & XXXX. But payments were garnished from Workers comp for 4 years, Then unemployment after that. So these payments shouldn't show on XXXX XXXX child Support case as payments. 
Experian, XXXX, XXXX have payment negative marks for these years which has severely damaged my credit. XXXX XXXX Co child Support has frauded me by not sending me a 1099 C and reporting Cashout payout sent from insurance company through workers compensation In XXXX. My lawyer had the check cut directly to them from insurance company. I called them at the time And was told false information from Employee. I believe I've been a victim of Racial bias. Based off RACE. It's unconstitutional and I will be taking legal actions against them for fraud, & non-monetary losses, and defamation. They're all in violation of 15 U.S.C. 1681. 

XXXX XXXX XXXX child div ( XXXX ) ( case # ) XXXX XXXX child support div 3.Experian XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: 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: FL

Complaint narrative:
I was affect by the Equifax Data Breech per the data breach website, " Based on the information you provided, our records indicate your personal information was impacted by this incident. '' I have several items that ONLY appear on my Equifax Report. 

1. XXXXXXXX XXXX XXXX for $ XXXX a collection that XXXX and XXXX has removed due to FRAUD. 

2. XXXX XXXX XXXX for $ XXXX a collection that XXXX has removed. 

I fear that Equifax has not protected my personal information and their data breech has allowed for items to appear on my credit report longer than they should.

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: NC

Complaint narrative:
The company Navy Federal Credit Union, Ive been having overdraft fees and bounce checks due to pending transactions stating money been taking out and then when a deposit hit, they take the money out leaving less less money resulting in them saying overdraft, this has been going on since XXXX

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in 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 adequately investigate my claim. I was informed 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 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. Moreover, as a result of the unresolved claim, my financial institution closed my account, further compounding the inconvenience and financial hardship caused by Zelle 's failure to address the issue. This experience has severely impacted my trust in the platform and its commitment to consumer protection. 
I urge Zelle to address these shortcomings, improve its dispute resolution process, and ensure that customers are not left vulnerable to fraudulent activity without recourse. Thank you for your attention to this matte

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

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 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