vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
am writing to formally file a complaint regarding ongoing harassment and inaccurate credit reporting related to debts that I have already addressed. Between XXXX and XXXX, I have taken repeated steps to resolve these matters, yet the issues persist, causing undue stress and negatively impacting my credit report. 

Specifically : XXXX. Midland Credit XXXX XXXX XXXX Credit Card ) : Midland Credit has been contacting me persistently for over XXXX years regarding a debt that was already sold to another company. 
Despite my efforts, including sending multiple letters citing specific codes and documentation to validate that the debt was invalid, Midland Credit has continued to harass me for payment. 
XXXX. XXXX XXXX ( avant ) : Similar to the above case, XXXX XXXX has been reporting the same negative information on my credit repeatedly, even after I provided documentation disputing the debt. 
I have made several attempts to have this inaccurate information removed from my credit report without success. 

These actions have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have taken appropriate steps to communicate with these companies and have provided the necessary information to prove that the debts are either invalid or already resolved. 

I kindly request the following : XXXX. A thorough investigation into the validity of the debts being reported by Midland Credit and XXXX XXXX. 
XXXX. Removal of any inaccurate or outdated information from my credit report. 
XXXX. A resolution to ensure that I am no longer harassed by these companies regarding these debts. 

Please let me know if additional documentation or information is needed to support this complaint. I look forward to your prompt response and resolution to this matte

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

Complaint narrative:
I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX,

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX a formal letter template asserting your right to privacy under 15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/year> Subject : Assertion of Privacy Rights Under 15 U.S. Code 1681 Dear Sir/Madam, I am writing to formally assert my rights under 15 U.S. Code 1681, part of the Fair Credit Reporting Act ( FCRA ), which protects consumers privacy and ensures the accuracy, fairness, and security of personal data in credit reporting systems. 

Pursuant to my rights under this law, I respectfully request the following : XXXX. XXXX of XXXX XXXX Please provide a complete disclosure of all my personal information and records being maintained, as required under 15 U.S. Code 1681g. This includes but is not limited to consumer reports, inquiries, and any third parties that have accessed my information within the permissible purposes outlined by law. 
XXXX. Accuracy of XXXX If any of the information in your records is found to be inaccurate, incomplete, or unverifiable, I demand it be corrected or deleted immediately in compliance with 15 U.S. Code 1681i. 
XXXX. Restriction of Data Sharing I request limitations on the sharing of my personal data with unauthorized entities, ensuring compliance with 15 U.S. Code 1681e, which mandates the implementation of procedures to protect consumer privacy and prevent unauthorized access. 
XXXX. Secure Disposal of My Data If certain data retention is no longer necessary, I demand the secure disposal of all such information as per the requirements of 15 U.S. Code 1681w.

Additionally, please confirm that my data is being safeguarded against unauthorized access, theft, or misuse. If any breaches of my personal data have occurred, I request prompt notification as required by applicable federal and state laws. 

I expect to receive a response to this letter within XXXX  days, as required under federal law. If my requests are not addressed satisfactorily, I reserve the right to escalate this matter through appropriate legal channels. 

Thank you for your attention to this matter. I trust that you will handle my personal data with the utmost care and respect for my privacy. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Zelle is a popular digital payment platform that allows quick money transfers between bank accounts. However, users XXXX face several issues leading to disputes. After many years of not giving any warning again unauthorized transfers recently Zelle has now made a warning in regards to any money set without authorization and its nearly impossible to get your money reversed. 

XXXX XXXX with Zelle XXXX. **Unauthorized Transactions** : Funds XXXX be sent without the user 's consent due to hacking or input errors. 

XXXX. **Mistaken Payments** : Users might accidentally send money to the wrong person or enter incorrect amounts. Zelle transactions are generally irreversible, making recovery difficult. 

XXXX. **Delayed Transfers** : Although designed for instant payments, delays can occur, causing frustration when funds are needed urgently. 

XXXX. **Account Issues** : Problems with linking accounts or service restrictions can prevent successful transactions. 

In conclusion, while Zelle offers convenience, users should be prepared to handle potential disputes effectively.

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: OH

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation 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 consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed 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 experians 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

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

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX  XXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and l am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file immediately.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a charged-off account listed under XXXX XXXX/ XXXX on my credit report. This account has been continuously verified without providing substantive evidence of its accuracy. This violates the Fair Credit Reporting Act ( FCRA ), and l am demanding immediate action to ensure compliance. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of any information reported. To date, you have failed to provide evidence that the debt in question has been properly verified. Without such verification, this account should be removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Used a service that was not clear with v the disclosures

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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
You-CFPB, have ignored repeated attempts to answer or address all of my complaints about XXXXXXXX XXXX XXXXXXXX fraudulently servicing my account regarding escrow payments, Homeowners Insurance , erroneous fee, XXXX, which is an affiliate of XXXX XXXX XXXXXXXX XXXX It was sold to Shellpoint because XXXX XXXX XXXXXXXX could not continue to falsely charge me. Now it is with XXXX, the last vestige of fraudulent mortgage banks and servicers who put it straight into foreclosure. My adult children will not allow me to see my grandchildren because of what XXXX XXXX XXXXXXXX did to me-would not acknowledge my reinstatement wire and put my loan in foreclosure in XXXX  at XXXX where they were barraged foreclosure vultures. It is happening again. 

I am XXXX, single and in poor health. I will die in my home before it goes on the auction block. 

YOU did this. And now, as I see my name and email are in your system but you don't allow me a new password. The system continues to you can not use an old password. 
I didn't. 
Then it says its too week when I have tried every combination under the sun.

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 — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I disputed this account I.C system in the amount of XXXX Im not sure how this got on my amount and why it still is on my credit report. 

The accounts with XXXX are paid in full and its still on my credit report.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
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. 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.

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 express my concerns regarding Zelle 's careless actions with my dispute. Two transactions of {$300.00} was taken from my account and I was unable to recover my funds. Despite using Zelle numerous times, my financial institution and Zelle failed investigate my dispute adequately. They informed me that recovering lost funds were unable to be sent back and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to hinder the system. This failure in their security process left me vulnerable, and their response to my dispute has been inadequate, leaving me frustrated and financially impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have attempted to close my Navy Federal Credit Union account but the supervisor is refusing to close my account after i have requested it.

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: LA

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. 
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 2025-01-15 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: CT

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 unfeasable. The CFPBs 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. The 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX couldnt pull any info. I called the 3rd party creditor ( Jefferson capital systems ) and they had to run a report for a fee which I paid. Said they see where I paid this bill off. But for some reason this bill was open still through another creditor ( XXXX I think ) but then another company bought this charge off ( that I paid back in XXXX XXXX and so I have two of these open on my credit if I understood him right. Said he could dispute this for a fee or {$200.00}. I said no and tried to find another way.

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: GA

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution failed to investigate. My claims adequately. They informed me that recovering loss funds was impossible and tracking these transactions was unfeasible. The CFPBs find these indicate that Zelle has not only neglected to protect consumers but also has allow repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.

Company response to consumer: Closed with explanation