vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Caine & Weiner, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please consider this letter as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing this debt and requesting that you provide adequate validation to substantiate your claim.

To properly validate this debt, please provide the following : Verification of the Original Debt The name of the original creditor.

The original account number associated with this debt.

A detailed breakdown of the balance, including principal, interest, fees, and any other charges.

Proof of Ownership and Authority Documentation proving you are legally authorized to collect on this debt.

A copy of the assignment contract or agreement between your agency and the original creditor ( or any intermediary ) that transferred ownership rights to you.

Verification of My Obligation Any evidence, such as a signed contract or agreement, showing that I am responsible for this debt.

Details of any payments made on this account, including dates and amounts, to validate the current balance you claim is owed.

Confirmation of Statutory Compliance Proof that this debt is within the applicable statute of limitations for collection in Maryland.

Pursuant to the FDCPA, all collection activities on this account must cease until you provide the requested validation. Please note that failure to provide sufficient evidence will result in my request for you to remove this alleged debt from my records and discontinue any further collection efforts.

This letter serves as a formal record of my dispute. I look forward to your response with the requested documentation. Please respond within 30 days of receipt of this letter.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I applied for a balance transfer credit card promotion because it said that it would have it was either 18 months or 24 months interest free and so I thought that was a great opportunity for promotion and I got an advertisement card from Navy Federal credit Union, and so I didnt realize I received two different promotion cards from the bank with different codes and so I use the one that was on the top assuming it was the balance transfer but no it was just a {$200.00} credit in a statement, which doesnt make sense if Im trying to transfer a large Balance and when I called the bank and asked if theyd be able to honor the balance transfer with no interest for the. that it was offered I believe it was 18 months. The lady was like no because you entered the wrong code and she pretty much just hung up on me. Simply asking to waive 18-24 months of interest on account and waive the transfer fee for that same amount of time please, thank you.

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

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 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX of 2023 I disputed several accounts through the Experian app. Within a day all disputed accounts came back updated and verified with no reason as to how they came to that rapid conclusion. I believe they took no real action in verifying anything. 

XXXX had numerous data breaches. Ive found my personal information on the dark web.

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: PNC Bank N.A.
State: DC

Complaint narrative:
I am writing to formally express my concerns regarding XXXXXXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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 XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of XXXX XXXXXXXXThis account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: WI

Complaint narrative:
I was messaged on XXXX about a painting job ( they wanted to paint me ) and was told I would get paid.. they sent me a fraudulent check for that amount that went through immediately so i thought there was no problem. They then told me to send around 20 % back for my compensation for supplies and such for the painting so I sent them {$500.00} because that was around 20 %. The check did not end up going through and I was unable to get a refund or anything from zelle after calling my bank ( XXXX ) several times to get to the bottom of it, so I have been out {$500.00} since then. This happened around 2 years ago. The phone number I sent the money to was XXXX ( XXXX ) XXXX and it was registered under the name XXXX XXXX.

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:
Its incredibly frustrating to rely on a system like Zelle, especially knowing the Consumer Financial Protection Bureau ( CFPB ) has even taken legal action over issues with it. Despite all this, Zelle seems to keep failing users by not offering basic protections. When I lost funds through the platform, they informed me it was impossible to track them. How can that be acceptable? Theyre neglecting their responsibility to protect customers, and whats worse, theyre allowing repeat offenders to exploit the system. It leaves everyone vulnerable to scams, and theres little recourse for those affected. Its a huge breakdown in trust.

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: IL

Complaint narrative:
XXXX, XXXX, and Experian has refused to remove accounts do to fraudulent transactions. I sent XXXX police reports in XXXX showing that I was a victim of identity theft. They have refused to remove accounts connected to the fraudulent transactions on my report. XXXX is connected to identify theft along with so many other fraudulent accounts. XXXX XXXX, XXXX XXXX XXXX  and the list goes on and on. The last name XXXX which isnt my name anymore because it was stolen and being used for fraudulent activity, divorced and XXXX  XXXX. The address XXXXXXXX XXXX XXXX XXXX XXXXXXXX was also used for fraudulent transactions using my social security number. I have disputed these transactions and XXXX refused to remove accounts connected to identity theft and fraudulent transactions. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. This has been a nightmare and unresolved issue for years.

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: 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 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. 

Some examples of these occurrences are dated : XX/XX/year>, XX/XX/year>, & XX/XX/year> in the amount of {$29.00} each.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter Finance LLC, Disputed in XX/XX/year> and XX/XX/year> with XXXX to remove from credit report due to being outdated and filed within a Bankruptcy due to a deceased person. XXXX came back and stated " This item was updated from our processing of your dispute, and remains ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a victim of identity theft, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft case.

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: TN

Complaint narrative:
I am writing to formally express my concerns about Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit, which underscores significant issues with the platform. Despite my frequent use of Zelle and multiple reports of discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPB 's findings reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection and 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I used Zelle and there was transactions that I did not authorize and some that I sent to the wrong person and they would not return the money. When I called them they said there was nothing they could do for me. Even though there was no warning that the money couldnt be returned if it was sent to the wrong person. This was about XXXX or 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: 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: IN

Complaint narrative:
I am filing this complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding disputed information on my credit report. Despite providing evidence to support my disputes, Experian has neither corrected nor removed inaccurate and unverifiable accounts, causing ongoing harm to my credit standing.

My experience reflects the systemic issues highlighted in the CFPBs recent lawsuit against Experian, including : Failure to forward consumer-provided evidence to furnishers during dispute investigations.

Acceptance of unreliable or insufficient responses from data furnishers. 
Inadequate notification to consumers regarding the outcomes of their disputes. 

These failures have directly impacted me by leaving unresolved items on my report that are inaccurate or unverifiable. Experians inaction constitutes a violation of my rights under the FCRA and federal law, as it has not conducted a reasonable reinvestigation of the disputed items. 

I am requesting the CFPBs assistance in ensuring that Experian takes immediate corrective action to amend or remove the disputed accounts and complies with its legal obligations to protect consumers. 

Thank you for your attention to this matter. I look forward to your assistance in resolving 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