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: 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:
On/around XX/XX/year> I sent, via US Mail XXXX disputes to EXPERIAN. With a copy of my ID and recent utility bill ( see attached ). 
Instead of investigating, EXPERIAN send me a stall letter. Stating they could not find my account ( letter is attached ). 
EXPERIAN has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues with as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experiences, 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 2025-01-16 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
i have no idea what this is. i have no knowledge of this. it is fraud

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: TX

Complaint narrative:
I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB lawsuit that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my financial institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to recover lost money. According to the CFBP 's findings, Zelle has not only failed to safeguard customers, but has also permitted repeat offenders to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer safety.

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: NC

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 fee 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: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I was getting unwanted calls from all over the place. My credit was shared with people that shouldve known about it. It was like they was selling my information.

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: TN

Complaint narrative:
I was with NFCU for years and I got fees thinking I had funds available then would spend it later to find out they were never there.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Failed to removed data that is not mine. I called the company many time and got the same responds, ( it belong to you, Sir. ) That all the customer service people said. 
This it hurting my credit and it has dropped, now I can to get a home loan.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: TX

Complaint narrative:
I am formally expressing my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was an impossible task and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers like mussels, but allowed repeat offenders to exploit the system we believed we could trust

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There have been several disputes sent to Equifax regarding erroneous inquiries, inaccurate personal information and an erroneous ( XXXX  ) collection based off of fraud. They wrote back three times, the last attempt on ( XX/XX/XXXX ) stating that the copy of my driver license and my social security card were illegible. They sent this same response trying to keep inaccurate information on my report- a violation of my rights per 15 U.S.C. 1681i ( they owe me {$1000.00} for this already ) XXXX I am the one that copied the cards and enlarged them so I KNEW they were being facetious. 

Then on XX/XX/XXXX at XXXX I called and spoke to a XXXX or XXXX from Equifax- sounded like a foreign gentleman of whom I explained the situation to. I told him what my name, address and employment info should and shouldn't be. I told XXXX or XXXX was nice at first and then when I explained the issue or the XXXX collection being fraudulent due to Equifax breach and XXXX  obtaining my info erroneously ( and inaccurately reporting on my credit report ) he hung up on me. 

Made another call today XX/XX/XXXX at XXXX to a XXXX XXXX a affidavit sent to Equifax XXXX the receipt of the XXXX since I mailed it certified. I explained that XXXX ( collection company ) has shared my information w/ other scammers and also confirmed that they did not have license to conduct business in the state of XXXX  per the XXXX  site on the page. The time limit of the affidavit ( mailed on XX/XX/XXXX with a requested time limit of 15 days ) will expire on Sunday XX/XX/XXXX. He stated that he will escalate the dispute and to give it 30 days. They are willfully keeping this erroneous account on my credit when they have already " verified '' the information as accurate. Another violation of my rights per 15 U.S.C. 1681S-2 and 15 U.S.C. 1681o ( to which they owe me another {$2000.00} for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I first contacted Caine & Weiner in XX/XX/2024 after I was alerted of the account being listed on my credit report. I spoke to a Representative regarding no knowledge of the account because I have never used the services of XXXX  moving and storage. I received communication from Caine & Weiner in the form of an invoice from XXXX. I reached out to them again regarding the invoice received. I asked why I was sent an invoice and the representative responded, " it's proof that you owe the debt ''. I again stated that I have no knowledge of this account because I have never done business with XXXX  moving and storage. After speaking with this company, I was again notified that this item was listed on my XXXX credit profile. On XX/XX/2024, I sent A CERTIFIED LETTER TO Caine & Weiner WHICH WAS A debt VALIDATION letter pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, XXXX XXXX XXXX by way of CERTIFIED MAIL on XX/XX/2024, and they received it on XX/XX/2024. I requested validation of the debt, including the original contract with the original creditor with my signature on it, age of debt, and proof of assignment along with evidence that I am legally responsible for the debt. I HAVE NEVER RECIEVED THIS INFORMATION JUST AN INVOICE HAS BEEN PROVIDED. THIS IS NOT MY DEBT! I AM ASKING THAT THE CFPB REQUIRE THIS COLLECTION COMPANY TO FOLLOW THE LAW that pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g. I WANT VALIDATION NOT VERIFICATION WITH AN INVOICE.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX didnt have proper disclosures of sending payments to the correct person and sent money to the incorrect person and I wasnt able to get those funds back.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 2025-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
In XXXX I entered into a difficult situation -- my XXXX  over heated and broke down so I took it to the mechanic, he kept my car for 4 months and ripped me off obviously because I'm XXXX and a woman so I was taken advantage and lied to about the time frame and condition, during that time I lost my job due to no transportation. I defaulted on my mortgage and I tried to do a loan modification and CMG Mortgage sent me the documents to fill out, I was approved for it and then they sent me a packet to notarize and I sent it back via XXXX to their attorney as they instructed on the paperwork, then they said they never received anything from the attorney, I asked for a new packet and they took 3 months to send one because they " forgot '' then I got it again I resent it and they said it was " in the wrong department '', then that " they were working on the modification '' then they said " their attorney was working on it '' then they said " Something was wrong on my documents '' so they said they resent the documents and again I did not receive anything I called again and everyone was very nice to me and answered questions but every time I felt like they were only giving me excuses and false hope, a year went by and NO DOCUMENTS FOR MODIFICATION but I would receive the statement/past due bill, I received on XX/XX/XXXX a packet from CMG Mortgage asking me for {$25000.00} to enter to qualify for a loan modification. Today I am reaching out because I received a letter in the mail today on XX/XX/XXXX dated XX/XX/XXXX they want me to vacate the home in the next 8 days and to expect the deed to be transferred back to CMG Mortgage. I never received another notice BUT PAST DUE STATEMENTS. The mishandling of my case by CMG Financial has adversely impacted my credit and put me in a precarious financial situation. I have not been considered for appropriate programs to prevent economic distress despite receiving contradictory letters from CMG Financial. Concerns : I believe that CMG Financial has engaged in fraudulent practices that may result in foreclosure or place the burden on FHA, which guaranteed the loan. The lack of accountability and resolution from CMG Financial is deeply concerning and unacceptable. I request a thorough investigation into this matter to determine the extent of CMG Financial 's mishandling of my case and any resulting damages. I DEMAND A STOP ON THE FORECLOSURE PER WHAT THEIR ATTORNEY SAYS ON THE LETTER because I was not notified at all, I had no option to fix or negotiate they just want me to leave the house vacant by XX/XX/XXXX. I seek a resolution that aligns with my rights and responsibilities as a homeowner. Thank you for your prompt attention to this complaint, and I look forward to a resolution that rectifies the situation.

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: HI

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 — Account information incorrect
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
This is a formal dispute to dispute inaccurate information regarding an account reported by Radius Global Solutions on my credit report. This account contains erroneous details that violate the Fair Credit Reporting Act ( FCRA ) requirement of maintaining maximum accuracy in credit reporting. 

The account in question is detailed as follows : Account Name : Radius Global Solutions Original Creditor : Radius Global Solutions Open Balance : {$240.00} Date Opened : XX/XX/year> Account Status : Open Upon reviewing this account, I have identified the following inaccuracies and issues : Discrepancy in Account Status : The account is marked as " Open, '' yet the remarks section states " Dispute resolved; reported by grantor. '' If the dispute has been resolved, the account status should not remain open unless verified with updated and accurate information. This inconsistency needs clarification and correction.

Lack of Account Type Specification : The account type field is blank, providing no information about the nature of the debt. This omission prevents me from understanding the validity of the debt and violates the FCRA requirement to furnish complete and accurate information.

Validation of Debt : To date, I have not received any validation or verification of this debt from Radius Global Solutions. Without proper validation, the reporting of this debt is potentially inaccurate and in violation of federal regulations. 

These inaccuracies create significant confusion and undermine the accuracy of my credit profile, directly impacting my 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 explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
I was told by several representatives at One Main Financial here in XXXX  XXXX, XXXX  that their policy is to call you every 3 days once your payment is late. Their policy states that you have a 10 day grace period before it is considered late. If that is the case why am I getting calls after day 3. Why do I get 2-3 calls a day after the 10 day grace period if their policy states that they call every 3 days after the 10 days until the payment is paid. I should only be getting 1 call every 3 days not 2-3 a day. One of the representatives stated oh, our system didn't catch the days that you were late. LIES, I am frustrated and want the calls to STOP.

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: VA

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also Allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency its unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation