vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AZ

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 XXXX according to XXXX-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 XXXX XXXX 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 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

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am aXX/XX/XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XX/XX/XXXX# XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/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 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
You have not supplied proof under the doctrine of estoppel by XX/XX/XXXX XXXX XXXX XXXX XXXX i presume that no proof of the alleged debt in fact debt exists. This account is also listed as open as that is inaccurate as well.

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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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: 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: NV

Complaint narrative:
data breach exposed personal information I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered " consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
data breach exposed personal information I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered " consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach

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: MN

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 and/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. The failures align with my experience, where Experian has neither corrected or 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 2025-01-16 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:
So repeated I have been charged overdraft fees due to non sufficient funds in my account. I ask them why I am this getting charged overdraft fees even tho I opt to not have any money taken out especially if my account is empty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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: TN

Complaint narrative:
I am writing to formally address 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 was 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 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 2025-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
Prior to the interest pause in XXXX expiring, I paid off all outstanding interest on my loans so I wouldn't have interest going into the XXXX plan. Note, I paid off my loans in XX/XX/XXXX before XXXX plan changes and legal interest pause ending, and my interest has been at 0 % the entire time. On XX/XX/XXXX, I fully paid off loan XXXX with a single payment covering the entire outstanding balance. using the 'make a payment - specify for each loan ' page. On XX/XX/XXXX, I fully paid off my remaining loans ( XXXX, XXXX, XXXX, XXXX ) using the same method. Later in XXXX, the balance showing on my account changed from {$0.00} to ~ {$3.00}. When I messaged Mohela about this, they told me it would just be written off, XX/XX/XXXX. On XX/XX/XXXX, I saw that the balance raised to ~ {$13.00}, but I patiently waited since they told me it would be written off. In XXXX, I saw that the amount owed had risen to ~ {$140.00}, again in spite of the 0 % interest showing on my account since prior to XXXX, and I messaged Mohela. Mohela responded XX/XX/XXXX effectively saying that they didn't have an answer to my issue and to call. On XX/XX/XXXX, I called Mohela and was on the phone for XXXX minutes, primarily on hold. When I finally got to a representative and explained my situation, they said that I may need to get someone to push the process along. Then they had to transfer me to a specialist. When the hold line told me it would be about XXXX minutes, I opted to get a callback. I hung up around XXXX and didn't get a call back until XXXX after I had given up on getting a call and missed the call. I tried calling back after missing the callback and the wait times were still over an hour. On XX/XX/XXXX, I called Mohela at XXXX and spent XXXX minutes on hold before opting to get a callback since the wait was estimated at an hour, and I didn't receive a call until XXXX. The wait times and lack of knowledge are ridiculous. I don't have hours to spend on hold to get a company to correctly process my complete loan payoff.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft, I have unauthorized charges on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
On XX/XX/XXXX I signed loan documents for a loan in the amount of {$20000.00}. They offer a .25 % discount if you allow them to send the majority of the funds directly to your other creditor. They were supposed to send payment to my other creditor in the amount of {$16000.00}. My other creditor never received the funds. I have called SOFi bank about 6 or 7 different times and get a different response each time. They said to wait 10 business days in order for a check to clear. I waited and check still hasnt been credited to my other creditor. I called my creditor and they told me Payment was not received. SOFi Bank claims they did research and that the check was cashed on XX/XX/XXXX and provided me a check number but claim they cant provide me a copy of the transaction. They are unable to tell me who cashed the check or even where the check was mailed. They are also unable to provide me with a resolution as they keep saying to call back.

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:
Several times i sent the money to the wrong person and i would call my bank and they would tell me that they couldnt do anything about it because it was done through zelle and i could never find a way to communicate myself with zelle this would happen often Another time is when i sent money to someone and the person wouldnt get the money and same thing the bank cold me that it was done through zelle and they couldnt do anything about it and zelle was no help this happened a few times

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: NJ

Complaint narrative:
I am writing to formally express 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 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 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated 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 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: 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 Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platform.

Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. I was informed 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 repeat offenders to exploit the system, leaving users vulnerable to scams. I urge you to review my case and take the necessary steps to ensure proper investigation and resolution of my claims. 

Thank you for your attention to this matter. I look forward to your prompt 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: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint regarding a debt collection account being reported by Midland Credit Management. 

I contacted Midland Credit Management to discuss the debt, but they informed me that they could not communicate with me directly, as the account had been referred to a secondary law firm, XXXX XXXX XXXX. Despite this, Midland Credit Management continues to report the debt on my credit report, and I have not been able to resolve the issue or verify the debt through them. 

When I reached out to XXXX XXXX XXXX, I encountered aggressive and intimidating behavior. A representative threatened potential court action, but I have not received any formal notice of a lawsuit. I believe these actions were intended to harass me into making a payment rather than engaging in a professional resolution of the matter. 

I also requested validation of the debt, as I am unsure of its legitimacy, accuracy, and origin. Neither Midland Credit Management nor XXXX XXXX XXXX has provided the requested validation or evidence that the debt is valid. This lack of communication and validation has left me unable to resolve the matter and clear up my credit report. 

I believe Midland Credit Managements refusal to communicate with me and their continued reporting of this debt, as well as the intimidating tactics of XXXX XXXX XXXX, may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting an investigation into this matter and assistance in ensuring that my consumer rights are protected.

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: 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. What the company did was change the name, which is now XXXX XXXX .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. 


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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unable to XXXX individual so I lost my place to live. Another my deposit for services didnt work. XXXX my sub contractor the payment didnt go through.

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: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am submitting this complaint because I have an authorized user account that's incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user. 

I have contacted both the credit card company and the credit bureaus multiple times to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.

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