vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX has failed to fullfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report.Furnishing inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreeliable responses, and failing to adequately notify consumers of despute outcomes.These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided.causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer

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 all lost funds was impossible and that tracking these transactions was unfeasible. 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. 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: CA

Complaint narrative:
Please take this complaint seriously, as it is not sent in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has been causing me significant stress and anxiety. Additionally, I have noticed that my personal information on the report is incorrect, which seems to be contributing to the appearance of these unknown and inaccurate accounts.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is ongoing with Bank of America I was issued a XXXX XXXX  credit card Used it and paid of balance as required Received notice that my account was closed and I did not meet their criteria for credit I have perfect credit and have had property loan and business loans with bank of America I just was at brank and my uncle who I take care of at this time wanted to add me to his account to help manage his finances. I was refused again by bank of America and when I called their number was told that it was their decision and nothing could be done. 
I am asking and have sent a written request to them with the notice I received from XXXX XXXX to please let me know why they are refusing credit so I can dispute any issue or problems I find No response

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Iam writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Dispute having sufficient when transactions where authorized, I was charged fees do to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe 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 2025-01-16 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 recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I led 2 separate police reports. These are the report numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. I did not give any authority to anyone. I do not recognize them. They are being reported by a third party. There are several collections on all 3 of my credit profiles. I filed an identity theft report and asked each credit bureau to remove the information. They did not. Please remove these accounts from my report. They are hurting my ability to obtain credit.

There is also wrong information regarding where I live on all 3 of my credit reports. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. My residence needs to be listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL 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 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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regrading multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the 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: 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 concern 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 unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving userss 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 2025-01-16 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:
My name is XXXX XXXX and I am writing this letter to request the removal of several unauthorized items from my credit report. Upon conducting an investigation on my credit report, I was disappointed to find unverifiable, invalidated, inaccurate, and questionable items that were not reported correctly by your agency. This has caused me XXXX  XXXX, and I urge you to remove these items as soon as possible. 
As per 15 U.S. Code 1681e ( b ), it is mandated that consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, any information disputed by a consumer must undergo reinvestigation. If, after the reinvestigation, an item of information is found to be inaccurate or incomplete, the consumer reporting agency shall promptly delete that item of information or modify it based on the results of the reinvestigation.

Therefore, I request that you provide me with verifiable proof within 30 days of your investigation. If you are unable to do so, kindly remove the following items from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, THIS ACCOUNT IS INACCURATE I look forward to hearing from you soon and thank you in advance for your cooperation. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent Validation letters to this company and never received a response.

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: PA

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: PA

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I was sued by XXXX XXXX for XXXX they sold it to midland who took me to court i was not notified they are garnishing my wages for XXXX every week money comes out of my check I have already paid XXXX on my credit report they keep reporting derogatory remarks my name and social is in the dark web and I am stuck paying this money that I don't owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: LEXISNEXIS
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 ( XXXX ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Account information incorrect
Company: Resurgent Capital Services L.P.
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 : LVNV FUNDING LLC

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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
15 U.S. Code 1692c and 15 U.S. Code 1681n - 1681o I have been violated time and time again with the credit bureaus for allowing debt collectors and credit card companies to report false and damaging information. My personal information was compromised and bought over and over again damaging my name and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
The debt collectors listed have reported debts to my credit report without providing the legally required notices under the FDCPA. I have not received any written validation of these debts or proof of their legal right to collect. These actions have harmed my credit profile, significantly lowering my credit score and limiting my access to essential credit opportunities. Additionally, the lack of proper communication has caused undue stress and confusion. 
I am requesting full validation of these debts, including : Proof of notice sent to me regarding the debts. 
Tracking numbers to verify the delivery of these notices. 
Legal agreements showing their right to collect the debts. 
Furthermore, I do believe that XXXX XXXX has a clause preventing them from selling old debt. Please provide documents verifying whether this clause applies to the accounts in question. 
The presence of these derogatory account has not only negatively impacted my credit but also caused unnecessary emotional distress. I urge you to address these concerns promptly and provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am writing to formally address a recurring issue with overdraft fees being charged to my account over an extended period. These fees have been applied despite the absence of sufficient funds in my account, a situation that has compounded my financial challenges and left me in debt on multiple occasions. 

I believe this matter warrants further review, as the fees have significantly impacted my financial stability. I would like to file a claim regarding these overdraft charges and request a thorough investigation into the matter. 

I kindly ask for your assistance in resolving this issue and exploring options for reimbursement or adjustment to my account. Please let me know if additional information or documentation is required to proceed with this claim. 

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

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was stunned to find out that my credit report includes inaccurate accounts that I didnt authorize. These errors have been dragging my score down and making it harder for me to move forward with opportunities Ive been pursuing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I have the right to request an investigation into the completeness and accuracy of the information reported. The details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExeter Finance LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank
State: MS

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ], I have the right to request an investigation into the completeness and accuracy of the information reported. The details of the disputed account are as follows : XXXX XXXX {$1700.00} XXXX XXXX XXXX- $ XXXX XXXX XXXX XXXX XXXX- $ XXXX Report XXXX XXXX XXXX XXXX- $ XXXX Report XXXX

Company response to consumer: Closed with explanation