vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently looked at a copy of my credit report and noticed fraudulent hard inquires. And according to the FCRA any inconsistency on my account has to be corrected and updated. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently looked at a copy of my credit report and noticed fraudulent hard inquires. And according to the FCRA any inconsistency on my account has to be corrected and updated. 

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 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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
Acima keep calling threatening to take legal action on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I'm writing a letter to complain about zelle handling disputes particularly with the recent cfpb lawsuit stating there was issues with the platform. I tried repeatedly with zelle to help handle the problems they failed to investigate my claim.

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: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX for violating my consumer rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

More than XXXX years ago, XXXX XXXX XXXX canceled my account with a balance of only {$500.00}. Since then, I have made consistent payments toward the balance. However, the company continues to add exorbitant amounts of interest, making it nearly impossible to pay off the account. Despite my efforts to meet my obligations, XXXX XXXX XXXX has also falsely reported late payments to my credit report. 

These actions are not only predatory but also violate my rights as a consumer. Specifically : Under the Fair Credit Billing Act, creditors are prohibited from applying unfair or excessive charges, particularly when a good faith effort has been made to resolve the balance. 
Under the Fair Credit Reporting Act, creditors are required to report accurate and fair information to credit reporting agencies. The late payment reports are erroneous and detrimental to my credit history. 
I kindly request that the CFPB investigate XXXX XXXX XXXX practices and intervene to ensure compliance with federal laws. Additionally, I respectfully request that this account be removed from my credit report to prevent further financial harm, as their practices have made it unjustly impossible for me to resolve this matter. 

Thank you for your attention to this issue. Please feel free to contact me if further information or documentation is needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX for violating my consumer rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

More than XXXX years ago, XXXX XXXX XXXX canceled my account with a balance of only {$500.00}. Since then, I have made consistent payments toward the balance. However, the company continues to add exorbitant amounts of interest, making it nearly impossible to pay off the account. Despite my efforts to meet my obligations, XXXX XXXX XXXX has also falsely reported late payments to my credit report. 

These actions are not only predatory but also violate my rights as a consumer. Specifically : Under the Fair Credit Billing Act, creditors are prohibited from applying unfair or excessive charges, particularly when a good faith effort has been made to resolve the balance. 
Under the Fair Credit Reporting Act, creditors are required to report accurate and fair information to credit reporting agencies. The late payment reports are erroneous and detrimental to my credit history. 
I kindly request that the CFPB investigate XXXX XXXX XXXX practices and intervene to ensure compliance with federal laws. Additionally, I respectfully request that this account be removed from my credit report to prevent further financial harm, as their practices have made it unjustly impossible for me to resolve this matter. 

Thank you for your attention to this issue. Please feel free to contact me if further information or documentation is needed.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX for violating my consumer rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

More than XXXX years ago, XXXX XXXX XXXX canceled my account with a balance of only {$500.00}. Since then, I have made consistent payments toward the balance. However, the company continues to add exorbitant amounts of interest, making it nearly impossible to pay off the account. Despite my efforts to meet my obligations, XXXX XXXX XXXX has also falsely reported late payments to my credit report. 

These actions are not only predatory but also violate my rights as a consumer. Specifically : Under the Fair Credit Billing Act, creditors are prohibited from applying unfair or excessive charges, particularly when a good faith effort has been made to resolve the balance. 
Under the Fair Credit Reporting Act, creditors are required to report accurate and fair information to credit reporting agencies. The late payment reports are erroneous and detrimental to my credit history. 
I kindly request that the CFPB investigate XXXX XXXX XXXX practices and intervene to ensure compliance with federal laws. Additionally, I respectfully request that this account be removed from my credit report to prevent further financial harm, as their practices have made it unjustly impossible for me to resolve this matter. 

Thank you for your attention to this issue. Please feel free to contact me if further information or documentation is needed.

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: CA

Complaint narrative:
I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit, which exposes significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. They told me that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users at risk of scams.

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: TN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle multiple times and reporting numerous discrepancies, my bank and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. On XX/XX/year> I sent {$150.00} to a retailer that ended up being fraud. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: 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 regarding multiple overdraft fees that I have incurred. Despite having sufficient funds. When transactions were authorized. I was charged fees due to lagged posting of charges and credits. This aligns with recent cfpb findings against navy federal for similar practices, Where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair. And request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NY

Complaint narrative:
I disputed 2 accounts with Experian and XXXX and requested the accounts be removed from my account as per the fair credit act. They fixed the XXXX XXXX XXXX amount on the account only for XXXX XXXX XXXX to update the account again even though they were in violation of the FCA and NY banking laws. I disputed it again and once again Experian and XXXX didn't remove the account. XXXX XXXX XXXX also continues to violate the FCA and NY banking laws by falsely reporting on my account. 

Experian Report Number XXXX Report Number XXXX I do not have the Report numbers for XXXX but they were done at the same time. 

XXXX never responded to my dispute

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 — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I was never notified via mail regarding the collection from XXXX XXXX XXXX in the amount of XXXX. Credence Resource Management Account # XXXX. On XX/XX/XXXX, I filed a dispute to XXXX that I was not the owner of the debt. The disagreement came back that it was upheld and debt is accurate. On, XX/XX/XXXX, I received an envelope in the mail with copies of the past due bills from XXXX XXXX XXXX which shows that the account was set up by a different person and address where I have never resided. I spoke to a rep at Credence Resource Management and was told that I need to file a police report to dispute the amount,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the current 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.

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: 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:
Experience has failed to fulfill Its legal obligation under the fair credit reporting act to conduct a reinvestigation of disputed information on my credit report, leaving inaccurate information or unverified accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging, systemic issues, such as forwarding consumer provided evidence to furnishers, accepting unreliable responses and failing too adequately notify consumers of dispute outcomes. These failures align with my experience Hwier Experian has neither corrected nor removed or amend the disputed accounts, as Experian that in action violate the federal law and my right 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: 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:
Was being told that I had funds in my account but didnt and had to pay overdraft fees

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 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 CFBP findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially being available. I believe these practices are unfair and request an investigation into my accounts.

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: CA

Complaint narrative:
Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.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 2025-01-15 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: MD

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding zells handling of disputes, especially in light of recent CFPB lawsuit that communicates concerns with this spesific platform. Despite using zell multiple times for personal and work uses along with reporting differences, my bank and zell failed to investigate my claims properly as if they didnt care. They did inform me that recovering my lost funds will take time and tracking it could be difficult i was persistant since it was my rent, daycare funds for my siblings and my work uniform I ended up paying triple the price for.The CFPB 's findings do indicate zell has neglected to protect their users but also allows this to continue. They allow repeat offenders to exploit the system leaving its users vulnerable to scams. The amount all together taken form me was over XXXX since it was rent, daycare and other needs. I thought me using their system was enough, trusting them with my information was a regret of mine.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX {$2100.00} XXXXXXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 

XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Status Collection account. {$29000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/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