vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle send money when I do not send the money. Or it takes out money when I do not approve

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My identity has been exposed due to data breach from credit bureau and or XXXX XXXX XXXX  company I have filed FTC report and dispute XXXX has failed to reply or resolve my dispute after several attempts but or reporting inaccurate information and data

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have made several attempts to communicate with Sallie Mae during my deferment period in XXXX - XXXX. They transferred me from location to location with no results. I entered a repayment plan in which payments were auto-deducted from my account starting XX/XX/XXXX. The payment was attempted in XX/XX/XXXX which was made over the phone before the withdrawal date. They withdrew my auto payments and stated no arrangements were ever made. When asked how was an XXXX  PAYMENT MADE if this was not the case? The representative transferred me to another number with me on hold for over an hour and a half. I called the next business day and the cycle started all over again. They reported my account as late over 30 days to credit file with XXXX, XXXX an XXXX. I have been unsuccessful with resolve to this matter.

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: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Social Security Number ] ( optional, last four digits ) [ Date of Birth ] Credit Collection Services [ Collection Agency Address ] [ City, State, ZIP Code ] Date : [ Insert Todays Date ] Subject : Formal Dispute of Debt Account [ Insert Account Number ] To Whom It May Concern, I am writing this letter to formally dispute the validity of the alleged debt listed under my name and associated with account [ Insert Account Number ]. This dispute is submitted under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

As a consumer, I am requesting that you provide proper validation and verification of this debt. Please provide the following information to ensure compliance with federal laws : 1. A copy of the original signed contract or agreement between myself and the original creditor ( XXXX XXXX ). 


2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied.

3. Proof that your agency is legally authorized to collect this debt on behalf of the original creditor.

4. Documentation proving that I have a contractual obligation with Credit Collection Services for this alleged debt. 



Please ensure that any verification documents you provide include firsthand knowledge of the matter and are duly notarized, as required. 

Additionally, I am requesting that you immediately cease all collection activities related to this account until this debt is validated. This includes any reporting to credit reporting agencies such as XXXX, XXXX, and XXXX. 

I would also like to note the following : I have not granted permission to communicate with me through unauthorized means. 

I have not authorized the release or sharing of my personal information with any third party. 


Failure to comply with these requests may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Please respond to this letter with the requested documentation within 30 days of receipt. I expect your response to confirm or refute the validity of this debt.

Sincerely, [ Your Full Name ] [ Your Contact Information ]

Company public response: Company can't verify or dispute the facts in the complaint
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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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: IN

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 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 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: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The McHughes Law Firm, LLC
State: AR

Complaint narrative:
Received a letter from The Mchughes law firm on XX/XX/XXXX stating this is a debt collector. I requested a letter of validation with my wet signature. I received a letter with a copy of judgment which was filed XX/XX/XXXX from 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Consumer Financial Protection Bureau ( Bureau ) brings this action against XXXX XXXX XXXX XXXX XXXX ( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C.

SHAM INVESTIGATIONS As a Federally protected consumer I have personally been a victim of these furnishers of information companies they call Credit reporting agencies XXXX, TRANSUNION, AND XXXX sham investigations. Between XX/XX/XXXX through XX/XX/XXXX I have filed 4 complaints via the CFPB portal about these CRAs reporting inaccurate, Incorrect information that I do not want reporting on my Credit Report. These complaints was back with documentation proving that the information the CRAs were reporting was inaccurate, incomplete and that they are reporting improperly. In return I received an automated response via the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX system. Each time these so called investigations came back as verified without any proof of the investigations pursuant to the laws of the FCRA on investigations. These CRAs are public traded companies that are selling and bartering their consumers information without their consent in return for these data furnisher companies to report any and everything on a consumers report, which is identity theft, extortion, and fraud. the CRAs have assumed a vital role effecting my credit worthiness, credit Standing, credit capacity, general reputation, personal characteristics, and Mode of living as I have not been able to be granted credit for personal, family, and house hole use. I am also getting notifications from the CRAs about my information being apart of data breaches which is effecting my credit report while still reporting negative accounts on my consumer report. Per FCRA 605B this needs to be addressed within 4 business days. My credit Report is a big mess and needs to be cleaned up ASAP. 

I give my full consent to the CFPB to use this complaint as evidence of these Sham investigations by CRAs in current lawsuit against XXXX. This lawsuit will be used as case law to bring my own federal case against these CRAs

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: EQUIFAX, INC.
State: SC

Complaint narrative:
The Consumer Financial Protection Bureau ( Bureau ) brings this action against XXXX XXXX XXXX XXXX XXXX ( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C.

SHAM INVESTIGATIONS As a Federally protected consumer I have personally been a victim of these furnishers of information companies they call Credit reporting agencies XXXX, XXXX, AND EQUIFAX sham investigations. Between XX/XX/XXXX through XX/XX/XXXX I have filed 4 complaints via the CFPB portal about these CRAs reporting inaccurate, Incorrect information that I do not want reporting on my Credit Report. These complaints was back with documentation proving that the information the CRAs were reporting was inaccurate, incomplete and that they are reporting improperly. In return I received an automated response via the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX  system. Each time these so called investigations came back as verified without any proof of the investigations pursuant to the laws of the FCRA on investigations. These CRAs are public traded companies that are selling and bartering their consumers information without their consent in return for these data furnisher companies to report any and everything on a consumers report, which is identity theft, extortion, and fraud. the CRAs have assumed a vital role effecting my credit worthiness, credit Standing, credit capacity, general reputation, personal characteristics, and Mode of living as I have not been able to be granted credit for personal, family, and house hole use. I am also getting notifications from the CRAs about my information being apart of data breaches which is effecting my credit report while still reporting negative accounts on my consumer report. Per FCRA 605B this needs to be addressed within 4 business days. My credit Report is a big mess and needs to be cleaned up ASAP. 

I give my full consent to the CFPB to use this complaint as evidence of these Sham investigations by CRAs in current lawsuit against XXXX. This lawsuit will be used as case law to bring my own federal case against these CRAs

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:
I am writing to file a complaint against navy federal credit union revolving 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 practice, where transactions settled with insufficient balances despite initially available finds. 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX and Equifaxhas 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 XXXX Equifax 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 XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, and equifax 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 XXXX and Equifax has neither corrected 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 the disputed accounts, as XXXX Equifax 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: 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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Stellantis Financial Services US Corp.
State: OH

Complaint narrative:
I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefi t from. I have disputed thesesame accounts to no avail, and they still refused to provide proof of XXXX XXXX paying them, or proof of them selling the car since it was returned.I never gave them authorization to use my identity to send the account to collections. I need these accounts removed 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 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ).

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle 's lack of consumer protections has led to mistaken payments and money lost

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.

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: OH

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 fail to investigate my claims adequately, they informed me that recovering loss was impossible, and that tracking these transactions was unfeasible the CFPB 's finding indicate that Zelle was not only neglected to protect customers, but also allow repeated offenders to exploit the system leaving users vulnerable to scams, on XXXX XXXX a Zelle was sent to a XXXX XXXX XXXX XXXX in the amount of $ XXXX contacted XXXX XXXX once I found out that XXXX XXXX was no longer in business only for XXXX XXXX  and Zelle to deny my claims stating that Zelle does not offer refunds and that my funds aren't protected.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 
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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I did a Zelle transfer and I lost my money because it went to the wrong person

Company response to consumer: Closed with explanation