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

Complaint narrative:
I want to let you guys know my feelings in regards to a Zelle transaction. I have been using Zelle for years and my previous bank failed to investigate my claim efficiently, they basically said they are not able too help me in any way with my issues. I felt unprotected and left vulnerable

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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Name : XXXX XXXX Date XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile.ComenityBank/Victoria. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: MS

Complaint narrative:
I have continue to communicate by phone to XXXX XXXX XXXX  XXXX and there has continued to be some miscommunication. I have not been able to gain access to my account online to submit a payment on a monthly basis. As of XX/XX/year> the system will not allow me access to submit a monthly payment so i can bring this account current which was initially became 30 day passed the due date due to a hardship ( water damage to my home which has been resolved and an reduction in income that has now been resolved. 
My loan is now 60 days passed due because I do not have access to make a minimal monthly payment of the mortgage {$1200.00} payment online Loan Number : XXXX

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 writing to formally express my concern regarding Zelles handling of disputes in light of the recent CFPB lawsuit highlighting issues with then platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Thy informed me that recovering lost funds was impossible and 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.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX 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 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: WA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I had the credit bureaus dispute on my credit report this account. they said it was accurate. I then sent a request for a Complete Debt validation around XX/XX/year>, to XXXX XXXX XXXX, no response. I asked for a 1099-c form, no response. So now I'm asking for this account to be Deleted from my credit report. It is inaccurate by stating this account is an open account when in fact I never had an account with them.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I I sent out dispute letters and I never received a response for the company

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I I sent out dispute letters and I never received a response for the company

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: Kikoff Inc.
State: VA

Complaint narrative:
XXXX XXXX, We hope this message finds you well. Per The CFPB Complaint, We attached the legal Power Of Attorney. Has your company took the proper steps to process this document to this Security Account? You did not address this in your correspondence. 
We would like to bring to your attention Page XXXX number XXXX of the Contract Agreement, executed by the Principal, XXXX XXXX XXXX, which explicitly outlines the governing law as federal law, and to the extent applicable, the laws of the XXXX XXXX XXXX Additionally, the XXXX stipulates that if any provision is deemed void or unenforceable under applicable law, the remaining provisions will continue to be enforceable, subject to the Arbitration Agreement. Moreover, pursuant to federal law, specifically 15 USC 166B regarding the " Timing of Payments, '' We are requesting that this claim be escalated to either the Securitization Department or to the attention of your XXXX. As you are aware, Kickoff has a fiduciary duty on behalf of the principal, and we would like to ensure all matters are handled accordingly in compliance with the relevant legal and contractual obligations. Please note, wewould prefer to avoid proceeding to arbitration. However, should this become necessary, We will be instructing your corporation to cover the filing fees, as per the Consumer Rights guidelines. We trust this matter will be handled with the utmost attention and urgency. 

XXXX XXXX XXXX, XXXX Representative

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: TX

Complaint narrative:
XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  of Complaint : This XXXX XXXX XXXX XXXX XXXX to XXXX  pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUni dit reporting actency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 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 2025-01-15 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: TX

Complaint narrative:
XXXX, XXXX in XXXX : XXXX XXXX, XXXX of Complaint : This XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX dit reporting actency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) Trans Union Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
District Court for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX District Court for XXXX XXXX XXXX Georgia XXXX XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts }. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), Trans Union is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : Account Name : XXXX XXXX XXXX  : # XXXX : Balance : {$1200.00} : Opened : XXXX. XXXX, XXXX Account : XXXX XXXX - XXXX XXXX  : # XXXX : Balance : {$1600.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX  XXXX  : # XXXX : Balance : {$780.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  : # XXXX : Balance : {$690.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX : # XXXX : Balance : {$6500.00} : Opened : XXXX XXXX, XXXX Account Name : Account Name : XXXX XXXX : # XXXX : Balance : {$170.00} : Opened : XXXX. XXXX, XXXX Account Name : : XXXX XXXX XXXX : Balance : {$270.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX  XXXX : # XXXX : Balance : {$1500.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX  XXXX : # XXXX : Balance : {$1300.00} : Opened : XXXX XXXX, XXXX Hard Inquiries : XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to these unauthorized accounts. Trans Unions failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ( a ) ).

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
THIS ON MY XXXX AND XXXX REPORT THEY HAVE BEEN REPORT FALSE INFORMATION ON MY CREDIT REPORT THE AGENCIES THAT ARE REPORTING OPEN ACCOUNTS ON MY CREDIT WITH NO ACCOUNT NUMBERS SPECIALIZED COLLECTIONS {$54.00} {$54.00} {$580.00} {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} DEPT OF EDUCATION HAS LATE PAYMENTS WHEN XXXX SHOWS PAYMENT HISTORY THAT GOES AGAINST US CODE 1666 AND 1666 ( b ) I HAVE SENT SEVERAL LEDTTERS FOR THEM NOT TO CONTACT ME ALSO THE INFORMATION THAT IS ON MY REPORT AS FAR AS MY ADDRESS AND NAME ARE NOT ACCURATE. THERE ARE SEVERAL HARD INQUIRIES ON MY MY CREDIT THAT I DID NOT APPLY FOR AND ALSO XXXX WAS ENVOLVED IN DATA BREACH LETTING ME KNOW VIA EMAIL. I HAVE REQUSTED NO CONTACT FROM THESE AGENCIES AND THEY HAVE VIOLATED MY CONSUMER RIGHTS BY PLACING FALSE INFORMATION AND PLACING ITEMS ON MY CREDIT REPORTN IS A FORM OF COMMUNICATION.

ACORDING TO 12 US CODE1681i, 15US CODE6802, 15 US CODE 1681b2, 15US CODE 1681 ( 4 ) AND US CODE 1692 ( g ) IS HOW THEY HAVE VIOLATED MY RIGHT. I AM AWARE THEY CAN PURCHASE DEBT BUT NOT MY PERSONAL INFORMATION

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The certain personal information reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information in question has been returned as verifiable ; however, the reporting company has not provided sufficient details on how this information was validated.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The certain personal information reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information in question has been returned as verifiable ; however, the reporting company has not provided sufficient details on how this information was validated.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Open Date : [ XX/XX/year> ] Balance : [ {$1700.00} ] Account Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Open Date : [ XX/XX/year> ] Balance : [ {$2000.00} ] I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy. 

I appreciate your time and consideration in this matter and look forward to receiving a positive response

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: CA

Complaint narrative:
Subject : Experian 's Failure to Investigate Disputes in Violation of the FCRA Description of the Issue : I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : - 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

- 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

- 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

- 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

To make matter worse, I have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors ). which highlights that Experian has documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress.

Specific Details : XXXX. XX/XX/year> - I called Experian and disputed this item as inaccurate and sent the proof that I paid or was credited an amount XXXX. XX/XX/year> - I went through CFPB and sent proof of inaccuracy and Experian has not answered as of yet. 

Impact on me : As a result of Experian 's non-compliance : - My Credit score remains inaccurate, affecting my ability to secure housing, get a loan, etc. 
- I have been subjected to undue stress and financial hardship. 

Requested Resolution : - Require Experian to fully investigate and correct the inaccuracies in my credit report. 
- Impose penalties on Experian for non-compliance with FCRA provisions. 
- Ensure that Experian implements proper procedures to comply with their obligatoons. 

I have attached all relevent documentation to support my claim.

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Sent money to the wrong recipient via Zelle multiple times in 2020. I was not able to get the money back on separate occasions. Banking with XXXX and 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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint regarding multiple overdraft fees applied to my account with Navy Federal Credit Union. Despite having sufficient funds available at the time transactions were authorized, I was charged overdraft fees due to delayed posting of charges and credits.

This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Navy Federals handling of such practices, where transactions were settled with insufficient balances despite initially available funds. 

I believe these practices are unfair and request a thorough investigation into my account transactions. Please provide a detailed explanation of the charges and a resolution to this matter. 

Thank you for your prompt attention to this issue. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

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