vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing this report because Wells Fargo and XXXX have refused to return over {$1000.00} that was fraudulently withdrawn from my account. I have provided all necessary documentation and evidence proving that I did not authorize or make these transactions. Despite this, they have denied my claim and failed to take responsibility for protecting my funds. I am seeking assistance to recover my money and ensure accountability for this matter.

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 2025-01-14 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: VA

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am writing to formally raise concerns about Zelle 's handling of disputes, especially in light of the CFPB 's recent findings, which highlight significant issues with the platform 's security and consumer protections. Despite using Zelle as directed and reporting fraudulent activity immediately, both my financial institution and Zelle failed to address my claims effectively. I was informed that recovering lost funds was not feasible and that tracing fraudulent transactions was beyond their capabilities. This lack of accountability has not only caused financial harm but has also shaken my trust in a platform marketed as secure and reliable. The CFPB 's findings further reveal that Zelle has failed to implement sufficient safeguards to protect consumers, allowing bad actors to exploit the system repeatedly. This negligence leaves users vulnerable to scams without meaningful recourse, violating the trust and safety expectations of its users. I urge the CFPB to take decisive action to hold Zelle accountable and implement stronger protections for consumers to prevent others from experiencing similar harm.

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: TX

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: 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 2025-01-14 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: OH

Complaint narrative:
Subject : Dispute Regarding XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX account ( XXXX XXXX  ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : XXXX. Request for 1099-C : I have previously contacted XXXXXXXX XXXX XXXX  requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance. 
XXXX. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report.

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXXXXXX XXXX XXXX may also be in violation of such laws.

Requested Action : I respectfully request the following : XXXX. Immediate investigation into the accuracy of the information reported for this account. 
XXXX. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled. 
XXXX. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My data was breached All the collections and closed accounts are not mine under FCRA 15 USC 1681 i demand that these accounts be deleted

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 2025-01-14 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: PA

Complaint narrative:
Today, I found inaccurate accounts listed on my credit report without any clear reason. I regularly review my report, but this time, unusual errors showed up. I tried refreshing the page to rule out a glitch, but the incorrect accounts stayed. Therefore, Im asking for a careful examination of the documents I provided to prevent this issue from recurring.

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 2025-01-14 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: VA

Complaint narrative:
Current lawsuit against Zelle ( peer-to-peer money transfers ) and banks due to lack of fraud protection. The lawsuit was stated and announced within XX/XX/XXXX and was on your CFPB website on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
This has been going on for years and even requested XXXX XXXX XXXX XXXX XXXX XXXX.i had a meeting with the executive offices concerning my XXXX and those XXXX XXXX XXXX would help me. They still have my online banking frozen. I have been begging them to fix my credit card from fraud and send me a new one and they refused. They always a reason. I have been a bank customer for 30 years with direct deposits continuously since XXXX from social security. 
They limit me to even how much I could withdraw which sometimes a XXXX dollars a day. This made it hard to find an apartment. I have been suffering from financially identity theft and distress since I was attacked in XXXX and sustained another XXXX. I was already XXXX with a XXXX. I have XXXX XXXX and they would complain about my picture of my ID or the paper one. They found every excuse to fix the endless disputes on my account fix my credit card or send it. They still can not resolve online banking that has been blocked for years even with the contract pleas for help. Now they have charged off my credit card and put it on my personal creditwith my card being compromised a year ago. 
They limit how much money I can pull out and have had to sleep on the street I need to get an audit done to see how much has actually been taken from be since the incident in XXXX. 
Please help me remove this item and some kind of resolve to get my life back from fraud/ identity theft. All of the things on my report are from me being attacked XX/XX/year>. You can clearly see how my banking becomes completely disrupted after the event I have requested help from the attorney general. XXXX guidance on this would be grateful. I am XXXX XXXXXXXX mom who is a XXXX and a XXXX 
My daughter who is now XXXX was with me when this incident happened and I am still buried in the financial collapse of being a victim to a violent attack What are the steps to get my credit back to find a home etc. 

Thank you

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy and validity of certain negative items currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the information reported is accurate and verifiable. After reviewing my credit report, I found multiple discrepancies that I believe require immediate investigation and removal. 

It has come to my attention that : XXXX is reporting 16 negative items, XXXX is reporting 11 negative items, and Equifax is reporting 9 negative items.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy and validity of certain negative items currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the information reported is accurate and verifiable. After reviewing my credit report, I found multiple discrepancies that I believe require immediate investigation and removal. 

It has come to my attention that : XXXX is reporting 16 negative items, Experian is reporting 11 negative items, and XXXX is reporting 9 negative items.

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 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

T

he late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report. Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. Other adverse information, such as collections or charge-offs, must also be removed after 7 years. The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information.

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX  bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX some time in XXXX or XXXX got hit with a law suit by jefferson capital systems llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Phone calls to Equifax, XXXX and XXXX all resulted in the same refusal to verify an alleged medical debt. 
These organizations would only contact a collection agency and verify the alleged amount owed was reported accurate. 
The agencies would not request proof of a legal right to collect an alleged medical debt by receiving a copy of the Chain of Title which the collection agency must possess to legally prove they have the right to attempt collecting a medical debt. 
The agencies told me I must contact the credit collection agency direct and request the information. 
My Demand Letter was sent registered mail and only one of two agencies responded in the 30 days reasonable time. The response did not include the Chain of Title they must possess to establish their legal right to attempt to collect an alleged medical debt. 
I can only make this complaint and seek relief from these alleged medical debts be included on my personal credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Phone calls to XXXX, Experian and XXXX all resulted in the same refusal to verify an alleged medical debt. 
These organizations would only contact a collection agency and verify the alleged amount owed was reported accurate. 
The agencies would not request proof of a legal right to collect an alleged medical debt by receiving a copy of the Chain of Title which the collection agency must possess to legally prove they have the right to attempt collecting a medical debt.

The agencies told me I must contact the credit collection agency direct and request the information.

My Demand Letter was sent registered mail and only one of two agencies responded in the 30 days reasonable time. The response did not include the Chain of Title they must possess to establish their legal right to attempt to collect an alleged medical debt.

I can only make this complaint and seek relief from these alleged medical debts be included on my personal credit reports.

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 2025-01-14 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: MI

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 Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am extremely frustrated to see an unauthorized inquiry on my credit report this morning, and I demand that this issue be resolved immediately. I checked my report as usual, but unexpected discrepancies appeared. Even after refreshing my browser, the issue remained. Please thoroughly review the documents Ive submitted so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Phone calls to XXXX, XXXX and Transunion all resulted in the same refusal to verify an alleged medical debt. 
These organizations would only contact a collection agency and verify the alleged amount owed was reported accurate. 
The agencies would not request proof of a legal right to collect an alleged medical debt by receiving a copy of the Chain of Title which the collection agency must possess to legally prove they have the right to attempt collecting a medical debt.

The agencies told me I must contact the credit collection agency direct and request the information.

My Demand Letter was sent registered mail and only one of two agencies responded in the 30 days reasonable time. The response did not include the Chain of Title they must possess to establish their legal right to attempt to collect an alleged medical debt.

I can only make this complaint and seek relief from these alleged medical debts be included on my personal credit reports.

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