vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
On XX/XX/year> navy federal allowed money to be pulled from my account even though I had the money in there it was on a hold before I can use it but then it still pulled and charge me a overdraft fee of {$29.00} dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ] XXXX XX/XX/XXXX Re : Dispute of Unauthorized Use of My Personal Information - Account with XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the information that is currently being reported on my credit file concerning the account below. Specifically, I am disputing the collection account that is being reported by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX. I have never provided written consent for any party to furnish or obtain my personal credit information, as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 

Here are the details of the disputed account : Creditor/Agency : XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$7300.00} ( Past Due as of XX/XX/XXXX ) Status : Collection Account Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX Account Type : Collection Status Updated : XX/XX/XXXX Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or obtain credit information if there is written consent from the consumer or a permissible purpose as defined by law. To the best of my knowledge, I have never authorized XXXX XXXX XXXX XXXX XXXX or any affiliated parties to access or report any information about my credit file. This unauthorized access and reporting is a direct violation of my rights under the Fair Credit Reporting Act. 

I respectfully request that you immediately investigate this matter and remove this collection account from my credit report. If you are unable to provide proof of my written authorization or any permissible purpose for this reporting, I demand that the information be deleted from my credit file. 

Please send me the results of your investigation, along with an updated copy of my credit report reflecting these corrections. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Beginning XX/XX/year>, Donald Trump allowed Elon Musk and his team access to my personal and financial information, therefore compromising it without my authorization.

This is in violation of the Family Educational Rights and Privacy Act ( FERPA ). FERPA protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information and data, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I CALLED XXXX XXXX  SPOKE TO XXXX IN THE FRAUD DEPT IS A SUPERVISOR CAN NOT HELP ME AS I DO NOT HAVE THE ACCT NUMBER AND THE DEBIT CARD NUMBER EXPLAINED TO HIM I NEVER HAD THIS ACCOUNT ITS FRAUD HE CAN TELL THAT BUT I WOULD BE REQ TO FLY TO A LOCAL BRANCH TO GET THIS RESOLVED I CAN NOT AFFORD TO DO SO!!! PLEASE ASSIST ME AS THIS IS FRAUD!!

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 2025-02-10 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I CALLED CITI BANK SPOKE TO XXXX IN THE FRAUD DEPT IS A SUPERVISOR CAN NOT HELP ME AS I DO NOT HAVE THE ACCT NUMBER AND THE DEBIT CARD NUMBER EXPLAINED TO HIM I NEVER HAD THIS ACCOUNT ITS FRAUD HE CAN TELL THAT BUT I WOULD BE REQ TO FLY TO A LOCAL BRANCH TO GET THIS RESOLVED I CAN NOT AFFORD TO DO SO!!! PLEASE ASSIST ME AS THIS IS FRAUD!!

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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

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 2025-02-10 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 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. 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 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release or my personal information to the companies listed below. This is a violation of my consumer right is to privacy, as they have no legal basis to report anything under my name furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries

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 2025-02-10 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release or my personal information to the companies listed below. This is a violation of my consumer right is to privacy, as they have no legal basis to report anything under my name furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against 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 Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I 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 2025-02-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : CFPB Dispute - Request for Credit Report Correction : Victim of XXXX XXXX and Identity Theft To Whom It May Concern, I am submitting this dispute regarding inaccurate and fraudulent information on my credit report due to my status as a victim of XXXX XXXX and identity theft. The incorrect information has severely impacted my financial well-being, and I request immediate action to rectify these errors. 
Explanation of the Situation : From XX/XX/XXXX, to XX/XX/XXXX, I was a victim of XXXX XXXX, which resulted in a complete lack of financial control over my affairs. During this period, I was forced to work without pay under the leadership of XXXX XXXX, who misled me regarding real estate investments where I was never compensated. This exploitation contributed to severe financial instability, unauthorized accounts, and fraudulent activities on my credit report. 
Additionally, I became a victim of identity theft. My wallet, containing my Social Security card and drivers license, was stolen from my car, which led to multiple unauthorized accounts being opened in my name. These fraudulent activities resulted in unpaid debts and have negatively impacted my credit score. 
Furthermore, I have resided at XXXX XXXX XXXX XXXX for over ten years, as evidenced by my lease agreement, which is enclosed with this dispute. Several negative accounts on my credit report were fraudulently opened at XXXX XXXX XXXX, an address where I have never resided. This further supports my claim that these accounts were opened without my authorization and should be removed immediately. 
Supporting Documentation : I have attached the following documents to substantiate my claim : 1. Police Report ( XXXX XXXX : XXXX ) detailing my identity theft case. 
2. FTC Identity Theft Reports ( Report Numbers : XXXX, XXXX, XXXX ). 
3. Documentation of a data breach that exposed my personal information. 
4. FCRA Section 605C Self-Attestation Form for XXXX XXXX  Victim Determination. 
5. Court documents, demand for payment letter, and additional supporting evidence related to my XXXX XXXX experience under XXXX XXXX. 
6. Lease agreement for XXXX XXXX XXXX XXXX, proving my residency for over ten years. 
Legal References : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), victims of identity theft and fraud have the right to dispute and correct inaccuracies on their credit reports. I am requesting that the disputed items be investigated and corrected or removed under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Proof of Identity : For verification purposes, I have attached copies of my government-issued ID and proof of address.

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 2025-02-10 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:
Subject : CFPB Dispute - Request for Credit Report Correction : Victim of XXXX XXXX and Identity Theft To Whom It May Concern, I am submitting this dispute regarding inaccurate and fraudulent information on my credit report due to my status as a victim of XXXX XXXX and identity theft. The incorrect information has severely impacted my financial well-being, and I request immediate action to rectify these errors. 
Explanation of the Situation : From XX/XX/XXXX, to XX/XX/XXXX, I was a victim of XXXX XXXX, which resulted in a complete lack of financial control over my affairs. During this period, I was forced to work without pay under the leadership of XXXX XXXX, who misled me regarding real estate investments where I was never compensated. This exploitation contributed to severe financial instability, unauthorized accounts, and fraudulent activities on my credit report. 
Additionally, I became a victim of identity theft. My wallet, containing my Social Security card and drivers license, was stolen from my car, which led to multiple unauthorized accounts being opened in my name. These fraudulent activities resulted in unpaid debts and have negatively impacted my credit score. 
Furthermore, I have resided at XXXX XXXX XXXX XXXX for over ten years, as evidenced by my lease agreement, which is enclosed with this dispute. Several negative accounts on my credit report were fraudulently opened at XXXX XXXX XXXX, an address where I have never resided. This further supports my claim that these accounts were opened without my authorization and should be removed immediately. 
Supporting Documentation : I have attached the following documents to substantiate my claim : 1. Police Report ( XXXX XXXX : XXXX ) detailing my identity theft case. 
2. FTC Identity Theft Reports ( Report Numbers : XXXX, XXXX, XXXX ). 
3. Documentation of a data breach that exposed my personal information. 
4. FCRA Section 605C Self-Attestation Form for XXXX XXXX  Victim Determination. 
5. Court documents, demand for payment letter, and additional supporting evidence related to my XXXX XXXX experience under XXXX XXXX. 
6. Lease agreement for XXXX XXXX XXXX XXXX, proving my residency for over ten years. 
Legal References : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), victims of identity theft and fraud have the right to dispute and correct inaccuracies on their credit reports. I am requesting that the disputed items be investigated and corrected or removed under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Proof of Identity : For verification purposes, I have attached copies of my government-issued ID and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

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 was unfeasible. 
My accounts with XXXX XXXXXXXX institutions were closed due to their negligence. I had bills I couldn't pay because my accounts were frozen by my financial institutions. 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 2025-02-10 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

To reiterate, the items in question are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent a, address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-02-10 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: Nelnet, Inc.
State: DE

Complaint narrative:
: Formal Dispute and Demand for Cancellation of Student Loan Due to Illegal Access of Personal Information illegal access by DOGE ( XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the collection account listed on my credit report. I have reviewed the information provided, and I believe the reporting of this account violates federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

The account in question is listed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The CBE Group XXXX XXXX XXXX XXXX According to the FCRA Section 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifable. Upon reviewing this account, I believe it meets the criteria for removal fr the following reasons : 1. The debt is not mine, the amount is incorrect, or the statute of limitations has expired. 

Under FCRA Section 1681c, information about a collection account must be removed from my credit report if it is inaccurate or can not be verified after investigation. Therefore, I request that you either provide proper documentation proving the validity of this debt or remove this account entirely from the credit report. 

I also request that you send me written confirmation of your findings actions regarding this dispute. Please notify me of any actions taken to resolve this issue. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief