vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX  XXXX XXXX  XXXX - {$3100.00} XXXX XXXX - XXXX - {$0.00} Late Payment XXXX  XXXX - XXXX - {$11.00} XXXX XXXX XXXXXXXX - {$220.00} XXXX XXXX XXXX - {$2400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$22000.00} XXXX XXXX  - XXXX - {$17000.00} XXXX XXXX  - XXXX - {$10000.00} XXXX  XXXX XXXX XXXX - {$230.00} XXXX  XXXX - XXXX - {$120.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$63.00} XXXX XXXX - XXXX - {$160.00} XXXX XXXX - XXXX - {$960.00} XXXX  XXXX - XXXX - {$380.00} XXXX  XXXX - XXXX - {$4000.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  XXXX - XXXX XXXX {$0.00} XXXX  - XXXX - {$6900.00} XXXX - XXXX - {$1000.00} XXXX XXXX XXXXXXXX - {$2700.00} XXXX XXXX XXXXXXXX - {$2000.00} XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
XXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Trans Union XXXX 
Given this significant impact this identity theft has had on my life, I demand that Trans Unions remove these fraudulent accounts from my credit report. This situation is further compounded by data security breaches, involving the XXXX XXXX XXXX, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Trans Union is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : 1. Account Name : XXXX  XXXX XXXX : Account Number : XXXX : Balance : {$27000.00} : Opened : XX/XX/XXXX XXXX. Account : XXXX XXXX Account XXXX : XXXX : Balance : {$3200.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$4500.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX- Account Number : XXXX : Balance : {$2400.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX  XXXX XXXX XXXX  - Account Number : XXXX : Balance : {$1600.00} : Opened : XX/XX/XXXX XXXX. Account Name XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX : Balance : {$2600.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX : Balance : {$6000.00} Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$3600.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX- Account Number : XXXX : Balance : {$440.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$380.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$1300.00} : Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX- Account Number : XXXX : Balance : {$110.00} : Opened : XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to these unauthorized accounts. Trans Unions failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ( a ) ).

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 2025-01-16 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: DC

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB Lawsuit which highlights significant mishandlings of Zelle. Despite using Zelle frequently and disputing discrepancies with Zelle and my financial institution, Zelle failed to address and investigate my claim adequately. The findings from CFPB signify Zelle neglected to protect consumers of the app and has allowed scammers to exploit the system and leave users vulnerable. I was a victim to a {$500.00} scam through Zelle and given XXXX handlings, I was not able to seek retribution from my bank or Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
Zelle transactions where made for XXXX that I didnt allow and my bank would not refund me and also closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB : This is not a duplicate complaint. I am requesting documented proof of the credit bureaus findings and also attached another document that for some reason keeps getting deleted for a threat, so I saved it in a different file. 
Subject : Formal Request for Proof of Investigation and Compliance with FCRA I am writing to formally request proof of your compliance with the Fair Credit Reporting Act ( FCRA ) regarding the disputed information on my credit report. I have previously disputed the inaccurate reporting of [ specific accounts, e.g., XXXX XXXX XXXX XXXX Account XXXX. ending XXXX, and XXXX XXXX XXXX, Account XXXX. ending XXXX ], as these accounts were settled before any charge-offs were applied. Despite providing clear proof of settlement, the inaccuracies persist. 

As you are aware, under the FCRA, credit bureaus are required to : Conduct a reasonable investigation of disputes submitted by consumers ( 611 of the FCRA ).

Notify the data furnisher and request an investigation within five business days of receiving the dispute. 
Update or delete any inaccurate or unverifiable information within 30 days of receiving a dispute ( 623 of the FCRA ). 
I am concerned that your organization has failed to conduct a thorough investigation and failed to ensure accurate reporting, as evidenced by the continued presence of the disputed information. Furthermore, I am aware of recent legal actions, such as those initiated by the Consumer Financial Protection Bureau ( CFPB ), which highlight concerns regarding compliance with these legal obligations. 
I am beyond frustrated with the lack of professionalism and response. I have been told by XXXX that my dispures are frivilous and the other credit bureause just keep qouting the same script. So now I want proof. I am persistent and will sue!

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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: DE

Complaint narrative:
The phone number XXXX called me on XX/XX/year> and the number was then blocked as they did not leave a voicemail and no legitimate number matched in XXXX. Then on XX/XX/year> the number XXXX called and I called them back as again, they did not leave a voicemail. When the line picked up, I explained this number had called but left no voicemail and I wanted to know who this was. I was told they were looking for someone by my first name about a personal matter. I asked again what business purpose do you have contacting this phone number? The other person quickly gave me a name that was not understandable and when questioned what industry does this business work in I was told to have a nice day and hung up. I then figured it was a scam. Once again blocking the number. Then on XX/XX/year> I received another phone call from the number XXXX and called them back and demanded to be told the exact business name and was given Unifin after requesting the person spell it out as I XXXX on the phone. I said if you're a debt collector why would you not state that as every other collections agency would? They told me that it was a personal matter to discuss. I told them do not ever call this number again. This is harassment and when you do not clearly state what your company is and what the purpose of this phone call is, it is harassment.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-16 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 have had my navy federal account for years. The overdraft fee is simply terrible I have tried to contact them about this and every so often I will get a service agent to reverse one or two date are from a few years ago XXXX I can not pull up my statements from that far back

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:
This was fraud and I have bo idea what this debt is I have no idea who this company is. I have never signed anything I just want my signature and for them to send that to me. If not I want this 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 non-monetary relief
Consumer complaint received 2025-01-16 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:
identify you and your account. 
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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NV

Complaint narrative:
XXXX  XXXX XXXX allows fraud and scams to thrive on zelle with no protections for its clients. I am a victim of this negligence which cost me {$2000.00} due to fraud with no help from XXXX  XXXX XXXX nor zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to file a complaint against TD Bank 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.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 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: AL

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 Transaction

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

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 2025-01-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief