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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services LLC credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  - XXXX - {$390.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Bankruptcy - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Money from my XXXX XXXX checking account was Zelle to another banker without permission.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Subject : Complaint Against National Credit System Regarding Incorrect Debt Amount Dear CFPB, I am writing to file a formal complaint against National Credit System regarding a debt they have reported on my credit report for {$1900.00}, which I believe to be incorrect. I previously sent a validation letter to National Credit System requesting clarification and documentation regarding this debt. My requests included the following : 1. A copy of the original assignment contract or documentation proving that National Credit System has been assigned this debt by the original creditor. 
2. Proof of their permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, for obtaining and reporting my credit information. 
3. A detailed breakdown of the debt, including the original amount, interest, fees, and other charges. 
4. Any evidence of my consent or agreement to the terms of the debt, such as the original signed contract. 

To date, I have not received adequate or accurate information addressing these concerns. Furthermore, the {$1900.00} amount reported on my credit report does not align with my records or understanding of any valid debt. 

When I contacted National Credit System to discuss these discrepancies, I spoke with two representatives, XXXX and XXXX. Unfortunately, both were unprofessional and dismissive. XXXX, in particular, made a highly unprofessional comment, telling me to stay off of XXXX and implying I did not understand my rights. This behavior was not only disrespectful but also unacceptable in any customer service interaction. 

I respectfully request that your office investigate National Credit Systems practices, including their reporting of this debt and their compliance with consumer protection laws. Additionally, I urge you to review the conduct of their representatives to ensure they are held accountable for their unprofessional behavior. 

Thank you for your attention to this matter. Please do not hesitate to contact me for additional details or documentation. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

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 — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal has declined my transactions but I have the funds in my account

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: Improper use of your report — Report provided to employer without your written authorization
Company: Crescent City Credit Recovery, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I had multiple hard inquiries put on my credit without my consent or authorization. 

The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized credit inquiries. The FCRA gives consumers the right to accurate and up-to-date credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I just felt over charged, and they demanded payment.

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: OR

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

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: 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: OR

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am writing to file a complaint against Wells Fargo 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 Wells Fargo 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 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: MA

Complaint narrative:
I am writing to formally raise concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit that highlighted significant issues with the platform. Despite multiple attempts to use Zelle and report discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPBs findings demonstrate that Zelle has not only failed to adequately protect consumers but has also allowed repeat offenders to exploit its system, leaving users vulnerable to scams.

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 I have incurred. Despite have sufficient funds when transactions was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against XXXX XXXX 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: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Opened a XXXX XXXX XXXX charge acct in XX/XX/XXXX. XXXX is serviced by Synchrony Bank. XXXX was get 10 % off entire XXXX purchase when you open an account. I made my XXXX purchase on XX/XX/XXXX and rec 'd 10 % discount as advertised. Also included as a CARDMEMBER benefit promotion was to receive 5 % unlimited rewards -OR- to receive 0 % interest ( amounts over {$290.00} & equal payments ). Go to XXXX and you can view the offer on their website. 10 % discount to open an account & use for XXXX purchase THEN either 5 % rewards OR 0 % interest terms. 
I placed {$3500.00} on the card for XXXX purchase which was NET of the 10 % new acct terms. I received XX/XX/XXXX statement for {$3500.00} and paid {$150.00} on XX/XX/XXXX within terms. I calc 'd the {$150.00} myself as a means to pay the purchase off in XXXX mos even though XXXX of the items qualified for XXXX mos. I received the XX/XX/XXXX statement and it had {$92.00} of interest charges ( 31.99 % APR ). I called Synchrony on XX/XX/XXXX and was told by C/S rep that I had taken 10 % discount on purchase and items didn't qualify for 0 % free interest. XXXX : it was 10 % disc XXXX 0 % interest - not both. I went back and reviewed XXXX XXXX website and it was clearly stated as I have described above. I called back same day and got a XXXX XXXX XXXX and XXXX the issue. Actually, I suggested that it was blatant fraud on Synchrony. I told XXXX to go to XXXX website to view herself. The XXXX did fairly easily credit back the {$92.00} interest charge however I am not confident that the account is now managed as 0 % interest for the duration. The XXXX stated it would go to the " XXXX XXXX '' for review and I would be contacted. I also told XXXX that ALL NEW ACCOUNTS should be reviewed and any finance charges should be adjusted. I commented that the verbage for the promotion was clear on XXXX website and suggested that this was a fraudulent practice by Synchrony. The statement even includes 0 % promotional advertising on page XXXX. I was fortunate to have caught this but what about the thousands of other customers? Synchrony is not going to willing go back and adjust accounts on their own. CFPB must investigate and correct this!

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 2025-01-17 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: AL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
So wellsfargo auto has been by their own admission posting my payments 14 or more days after I made the payments causing me to rack up late fees. On or around the XXXX XXXX XXXX  a wells fargo employee told me not to pay anymore towards the auto loan untill they have posted my payments and fixed my account status. Then I received a bill for {$2300.00}. So I began trying to speak to a supervisor but no one called me back instead they came and got the car. I filed a complaint with you you and they git an extention and my car was to be auctioned off on the XXXX XXXX XXXX XXXX. I canteen get it back. It's not that complicates if anything it gives them time ti cover there tracks I have no car still missed the birth of my grandson XXXXXXXX XXXX lost my job cause I cant get to work. I put {$20000.00} into the car already and they took it for less than my XXXX XXXX  payment I shouldn't have owed them anything .when they took it

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an issue with XXXX XXXX XXXX Professionals ( XXXX ) and the subsequent handling of my account by XXXX collection agency. 

The issue stems from an emergency medical service provided by XXXX in XX/XX/year>. XXXX submitted a bill to my insurance provider, XXXX XXXX XXXX XXXX ( XXXX ), but failed to provide the necessary documentation and information requested by BCBS for the claim to be processed and paid. As a result, XXXX denied the claim due to insufficient information provided by XXXX. 

Rather than resolving the matter by submitting the requested information to XXXX, XXXX sold my account and personal information to XXXX collection agency. This has led to the following issues : XXXX. False XXXX XXXX : XXXX collection agency is now reporting this incorrect and invalid debt to all three major credit reporting agencies ( XXXX, XXXX, and XXXX ), damaging my XXXX XXXX. 
XXXX. Breach of Privacy : My personal information, including my Social Security Number, has been shared with XXXX collection agency and potentially call agents in other countries, exposing me to the risk of identity theft. 
XXXX. Lack of Accountability : XXXX failed to ensure that the necessary steps were taken to have my insurance provider cover the cost, which I believe was fully payable by XXXX  if the requested information had been provided. 

This situation has caused unnecessary stress and harm to my financial standing. I would appreciate your prompt attention and assistance in resolving this matter. 

supporting documents, including XXXX denial letters, communications from XXXX collection agency, are attached

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Disputed inaccurate reporting of XXXX furniture with XXXX and Equifax. XXXX agreed due to bankruptcy the account would be removed out and removed. I submitted this information to XXXX and Equifax and the dispute came back as " verified ''. 

Submitted information to CFPB company responded basically with no admission of guilt. Only they reported what XXXX reported. That was not true. XXXX agreed to remove the account. The cfpb reported the account should be removed. The account remains on my credit report to date. Driving up my mortgage rates due to low credit score. This hurts consumers and monetary damages of {$1000.00} is not enough!!

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: AZ

Complaint narrative:
Multiple overdraft fees charges due to insufficient funds in account unknowingly.

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: NC

Complaint narrative:
I am writing to formally express my concern regarding XXXX handling of disputes particularly highlighting, recent news with lawsuits about significant issues with the platform. Ive used Zelle numerous times and have reported issues with my financial institution in which they have failed to investigate, the claims adequately they informed me that recovering lost funds is impossible and tracking these transactions is unfeasible. CFPB found that Zelle has only neglected customers, but also has allowed repeat offenders to exploit the system and continue scamming numerous people. The lack of accountability is extremely. unacceptable and raises concerns for all 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has XXXX XXXX federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX BANK XXXX Account number XXXX XXXX XXXX TXXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer which antedates the report by more than XXXX years. 

15 U.S.C 1681s-1 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX H XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer which antedates the report by more than seven years.

15 U.S.C 1681s-1 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the

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