vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. 1. US DEPT ED XXXX XXXX. US DEPT XXXX XXXX. US DEPT XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. 
THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED 1. XX/XX/XXXX XXXX XXXX 2. US DEPT ED XXXX. XXXX. XXXX XXXX XXXX XXXX ALL INQUIRIES TO BE REMOVED OFF OF 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling 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. The lack of accountability and transparency is unacceptable and raises high concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I do not have the dates only the amount on my credit report. M & M Credit, they did not list that it was for medical bills on the credit report, and they listed themselves as their original creditor which they are not. The amount is {$760.00}

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: GA

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
NAME ( Print name, Never Sign )

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: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Ive changed my number several times, they still call. On every phone call since requesting them to send me a letter showing the original contract with them and not with another company, they never provided information. Ive constantly told them to not contact me unless they can provide original contract. They havent done so and still call and harass me.

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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have several bills that come out of my account via debit and ACH transactions. I spoke with an employee at NFCU and was told that the company who the payment is owed to has to take the money out of the account, once they request the funds, NFCU delays the release for 3 days. I was also told by the NFCU agent that when I use my debit card for retail, even though my account shows the funds have been debited, they don't actually release the money for 72hrs to ensure the funds are there. I have had several overdraft fees even when i've had the funds in the account at the time of purchase or bill pay. My account has been over draft several times, with excessive fees, for the same transaction. I was able to get two of the overdraft fees waived but was responsible for almost {$200.00} in 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 2025-01-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, NEW YORK, XXXX Date : XX/XX/XXXX Subject : Complaint against XXXX XXXX XXXX for unauthorized consultation of my credit Dear Sir, I am writing to file a complaint against the company XXXX XXXX XXXX, following actions that violated my rights as a consumer and caused damage to my credit score. 

On XX/XX/XXXX, following a pre-qualification obtained ViaXX/XX/XXXXXXXX, my Wife and I went to XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. However, after purchasing this vehicle, I was surprised to find that the XXXX XXXX XXXX XX/XX/XXXXhad ran up my credit file with several financial institutions on XX/XX/XXXX, without my prior authorization. 

This unauthorized consultation of my credit, carried out by XXXX XXXX XXXX, constitutes a clear violation of my consumer rights. The institutions with which my credit was consulted are the following : * ALL FINANCIAL XX/XX/XXXXXXXXXX/XX/XXXX * XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX * XXXX * XXXX XXXX XX/XX/XXXX This action had the direct consequence of deteriorating my credit score, which created considerable financial and personal harm. Despite my numerous reminders and my approaches to XXXX XXXX XXXX, no action has been taken to rectify this situation or to repair the damage caused to my credit file. 

I therefore request the urgent intervention of the CFBP so that an investigation is conducted into this situation, that corrective measures are taken, and that XXXX XXXX XXXX assumes its responsibility by repairing the damage suffered. In particular, I request the correction of my credit score and the clarification of this illegal consultation. 

I thank you in advance for the attention you will give to this complaint. I remain available to provide any additional document or information necessary for the examination of this file. 

Pending your response, please accept, Madam, Sir, the expression of my distinguished greetings. 

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, NEW YORK, XXXX Date : XX/XX/XXXX Subject : Complaint against XXXX XXXX XXXX for unauthorized consultation of my credit Dear Sir, I am writing to file a complaint against the company XXXX XXXX XXXX, following actions that violated my rights as a consumer and caused damage to my credit score. 

On XX/XX/XXXX, following a pre-qualification obtained Via XX/XX/XXXXXXXX, my Wife and I went to XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. However, after purchasing this vehicle, I was surprised to find that the XXXX XXXX XXXX XX/XX/XXXX had ran up my credit file with several financial institutions on XX/XX/XXXX, without my prior authorization. 

This unauthorized consultation of my credit, carried out by XXXX XXXX XXXX, constitutes a clear violation of my consumer rights. The institutions with which my credit was consulted are the following : * ALL FINANCIAL *XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX * XXXX * XXXX XXXX VIA DEALER This action had the direct consequence of deteriorating my credit score, which created considerable financial and personal harm. Despite my numerous reminders and my approaches to XXXX XXXX XXXX, no action has been taken to rectify this situation or to repair the damage caused to my credit file. 

I therefore request the urgent intervention of the CFBP so that an investigation is conducted into this situation, that corrective measures are taken, and that XXXX XXXX XXXX assumes its responsibility by repairing the damage suffered. In particular, I request the correction of my credit score and the clarification of this illegal consultation. 

I thank you in advance for the attention you will give to this complaint. I remain available to provide any additional document or information necessary for the examination of this file. 

Pending your response, please accept, Madam, Sir, the expression of my distinguished greetings. 

XXXX XXXX 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: NY

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 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. The 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the negative item ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information that is incomplete, inaccurate, unverifiable, or reported without my consent. I believe this item violates one or more of the following provisions : Violation of Verification Requirements ( FCRA 611 ) : The FCRA mandates that credit bureaus investigate disputes and verify the accuracy of items reported. If the data furnisher can not validate this item with documented proof within 30 days, the bureau must remove it. 

Prohibition of Reporting Without Authorization ( FCRA 605 ) : Credit reporting agencies and furnishers are prohibited from reporting information that has not been authorized or properly validated. No notice or prior consent was provided to me regarding this reported account, which violates my rights under the FCRA.

Accuracy and Integrity ( FCRA 623 ) : Data furnishers are required to report accurate and complete information. If the item in question contains errors or inconsistencies, it must be corrected or deleted. 

Reason for Removal : [ Insert explanation here, such as : ] The account is inaccurate ( e.g., incorrect amount, wrong dates, identity theft ). 
I did not authorize the reporting of this account. 
The debt is past the statute of limitations for collection in my state. 
The item can not be verified by the original creditor or data furnisher.

Request for Action : I request that this item be immediately investigated, and if it can not be verified or does not comply with FCRA requirements, it should be removed from my credit report. Please provide documentation supporting the validity of this item or confirm its deletion within the required 30-day investigation period. Supporting Documents : Enclosed, I am providing copies of [ relevant documents, such as proof of payments, correspondence with the creditor, or identity theft affidavits ] to assist with your
investigation.

Failure to comply with FCRA regulations may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or legal action.

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: NY

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 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 2025-01-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am absolutely appalled and deeply disturbed to formally highlight a series of appalling concerns regarding the recent Equifax data breach and its devastating impact on my personal and financial information. As you may be aware, Equifax has negligently allowed a significant data breach to occur, exposing the highly sensitive personal information of countless consumers, myself included. Additionally, I am actively involved in the ongoing class action lawsuit arising from this egregious breach.

Violation of My Consumer Rights My profound discontent and outrage arise from the despicable breach and subsequent illicit dissemination of my confidential information, including but not limited to my name, Social Security number, and other intimate particulars. This reprehensible act constitutes a blatant infringement upon my legal entitlements enshrined within the esteemed Fair Credit Reporting Act ( FCRA ), the Identity Theft and Assumption Deterrence Act, and various state statutes safeguarding consumer interests. The sanctity of these legislative provisions is paramount in shielding individuals against the malevolent exploitation of their personal data and in upholding the imperative mandate for credit reporting agencies to furnish precise and current information.

Particularly, according to the FCRA ( 15 U.S.C. 1681e ( b ) ), credit bureaus are obligated to guarantee the precision and entirety of the details they disclose, and to eradicate any erroneous information from consumer reports. The infringement has jeopardized my personal information to the peril of identity fraud, and consequently, I am demanding prompt measures to rectify the inaccuracies and transgressions on my credit record. 

Class Action Lawsuit and Impact on My Credit Report Being a victim of the class action lawsuit against Equifax and other accountable entities, I demand restitution for the harm inflicted by the breach and the infringement upon my consumer rights. Apart from the overarching privacy and security transgressions, I am deeply troubled by the falsified portrayal of details on my credit report stemming from deceitful or flawed actions that potentially arose as a result of the breach.

According to Section 605 of the FCRA ( 15 U.S.C. 1681c ), should any data on my credit report be determined as erroneous or inadequate, I possess the privilege to challenge it and petition for its elimination. Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) grants consumers the ability to have any deceitful or inaccurate entries expunged from their credit report in the event that they have fallen prey to identity theft. 

Request for Removal of Accounts and Late Payments

Company response to consumer: Closed with non-monetary relief