vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MD

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 lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 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 connected 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 disputed accounts as Experians inaction violates federal law and 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 service problem — 
Company: Early Warning Services, LLC
State: UT

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 scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abbott Osborn Jacobs PLC
State: TX

Complaint narrative:
letter is attached in file violation of 15 usc 6809 Section 4 Title 18 usc Section 242

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: NC

Complaint narrative:
I was charged on numerous dates while my card was either locked or balance was to low I called several times and was told theres nothing they could do

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
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 lack of transparency and accountability 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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:
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.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 — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccuracies contained in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 1681e ( b ) and 1681i ( a ). These sections mandate that credit reporting agencies maintain maximum possible accuracy of the information in consumer reports and conduct a reasonable reinvestigation of disputed information upon notice.

Inaccurate Information to Be Investigated : Account Name : LVNV Funding LLC Reported Error : Never had a contract with this company LVNV Funding The information listed above is inaccurate and does not reflect my true credit history.

Please conduct a thorough reinvestigation of the disputed information under 1681i ( a ).

Correction or Deletion : If the information can not be verified as accurate, I request that it be deleted from my credit file as required under 1681i ( a ) ( 5 ).

Once the investigation is complete, I request that you notify me of the results and provide an updated copy of my credit report.

Under U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy in my report. I urge you to verify that your systems comply with this standard to prevent future inaccuracies.

I expect a response within 30 days of your receipt of this letter, as mandated by the FCRA.

Thank you for your prompt attention to this matter. I trust you will address this issue in accordance with federal law. 

Sincerely, XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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: 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: TX

Complaint narrative:
For a few years now. I have had an account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and both of my accounts have been breached. They have finally informed me by email of the matter. Identity theft on my report it has been affecting my score.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For a few years now. I have had an account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  and both of my accounts have been breached. They have finally informed me by email of the matter. Identity theft on my report it has been affecting my score.

Company response to consumer: Closed with non-monetary relief
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: Nelnet, Inc.
State: PA

Complaint narrative:
I have paid this loan over 3 times. They even took a {$10000.00} income tax to go toward it. But the fees and penalties just racked back up to over {$10000.00}. 
The initial loan amount was {$10000.00}. 
This loan is from 1996.

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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have disputed through XXXX XXXX since XXXX, XXXX. I have never received anything other than a letter stating the amount owed from RMP Services, LLC. They did not respond to any of my requests for validation of the debt. 

I asked for an investigation. I never received any information as to if it was ongoing or resolved. This account is reporting as open, but it is medical and not revolving. I stated they have never proven to me who they are in regards to collecting this debt. I did ask for more information in XXXX of XXXX. I also stated it had been paid by my insurance, and my explanation of benefits showed I did not owe this as it was paid by insurance at a much later date. I also have stated that the date of the original debt seemed to get revised each time I ask for an investigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 status incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To : Consumer Financial Protection Bureau Re : Complaint against LVNV Funding LLC Account Reference : XXXX I am writing to file a complaint against LVNV Funding LLC regarding their improper credit reporting practices of my Webbank/Fingerhut account. 
Description of Issue : I am experiencing ongoing issues with LVNV Funding LLC repeatedly reporting an account that has been closed multiple times. The account in question relates to a XXXX ( XXXX ) account, which shows the following closure dates : XXXX. First closure : XX/XX/XXXX XXXX. Second closure : XX/XX/XXXX Key Facts : Original creditor : Webbank/Fingerhut Account opened : XX/XX/XXXX Last payment made : XX/XX/XXXX Current balance : {$0.00} Payment status : No late payments ( XXXX for XX/XX/XXXX days late ) Specific Issues : XXXX. LVNV Funding continues to report this account as if it's a new account despite it being closed since XXXX XXXX. The company appears to be re-opening the same account annually, which is incorrect and potentially violates credit reporting regulations XXXX. The account has been verified as closed multiple times, yet continues to appear on my credit reports XXXX. This repeated reporting is negatively impacting my credit abilities and financial opportunities Previous Resolution Attempts : I have made multiple disputes through both XXXX and XXXX regarding this matter, but my disputes have been denied. Despite providing evidence of the account closure and multiple reporting discrepancies, the issue remains unresolved. 
Impact : This incorrect reporting has significantly affected my ability to : Obtain new credit Maintain an accurate credit history Trust in the accuracy of my credit report Requested Resolution : I request that LVNV Funding LLC : 1. Remove all duplicate entries of this account 2. Cease reporting this account as new or open 3. Correct the reporting to show the accurate closure date 4. Provide written confirmation of these corrections I am requesting the CFPB 's assistance in resolving this matter as previous attempts through credit bureaus have been unsuccessful. This situation appears to violate the Fair Credit Reporting Act 's requirement for accurate credit reporting. 
Contact Information for Referenced Companies : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX WEBBANK/FINGERHUT XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I authorize the CFPB to contact LVNV Funding LLC on XXXX XXXX XXXX this matter. Below is additional documentation which is reported to the credit bureaus. 
Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX ( XXXX ) XXXX

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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

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: CA

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. 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 or 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> I received a text message asking if i tried to make a transaction of {$500.00} at XXXX. I replied no as stated on the text, i then received a call from bank of america at XXXX. The caller asked me if i verified the purchase, I stated NO again then he asked if i could transfer my savings money so it will be protected. He give me the information on how to do it then advised me to add the name of XXXX, XXXX to the zelle transfer so he can start creating my new savings account. The first amount was {$2500.00} then another amount of {$180.00}, to clear the account and have money moved to a new savings account. After the transfer I called XXXX back to confirm my new savings account. The man over the phone stated this is XXXX XXXX as this is a new scam. The man stated he stopped the transfer and we opened a fraud case over the phone. I provided my phone records to BOFA as they requested additional information/documents. They denied the claim in XX/XX/year>. They refused to reopen it or give me any information on if the transaction was actually cancelled or what happened to the money. It been 3 years and they still refuse to help me this this case. After the 2 year mark they advised me they are close the case completely.

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