vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MI XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe ( Reference Number : XXXX I do not recognize this debt and am requesting that you provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. Proof that I owe this debt, including a copy of any agreement or contract signed by me.

2. The original creditor 's name, address, and contact information.

3. A complete accounting of the debt, including how the amount was calculated.

4. Proof that your agency has the authority to collect this debt. 
Until you provide this information, I request that you cease all collection activities. Please note that this letter serves as formal notification that I dispute the validity of this debt. 
Additionally, please do not contact me by phone regarding this matter. Any future communication should be in writing and sent to the address listed above. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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 — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX no warning back then if accidentally send to the wrong person

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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I've zelled money to the wrong account, not knowing I wouldn't be able to get the money back once it's sent. There never used to be any disclosure of any kind when I first got my zelle account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/year> my home computer was compromised. Days later, meeting with the PNC Branch Manager ( XXXX XXXX, ) I shared with him {$300.00} that mysteriously appeared in my online checking account. He could not identify where the money came from. 
Following the meeting, I spoke with PNC customer service and fraud prevention numerous times. None of these folks could identify the {$300.00} deposits either. 
A good time later PNC notifies me that I am delinquent on a PNC credit card payment on a balance of {$300.00}.

# 1. I never asked for a bank credit card.

# 2. PNC associates did not provide with adequate information regarding a CC.

# 3. In addition to the above there were other lacks of PNC communication causing various other banking problems. To be honest, for a period the mysterious deposit slipped to the back of other issues with PNC.

# 4. The Branch Manager identified a $ XXXX amount that PNC had not credited me with at their acquisition of XXXX XXXX  XXXX 

I have been a PNC customer for over XXXX some years and have never before experienced a mess like this. It undermines my confidence in PNC. 

Thank you in advance for your help. 
Sincerely 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: FL

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. I signed up for the OOPS program which allowed me to overdraft my account up to {$500.00} but was still charged {$20.00} per overdraft made. As of XX/XX/year>, I have been getting refunded the fees for overdrafts made... but I need resolution for all the previous years. 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: 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts within 4 days : XXXX XXXX {$3200.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX {$18000.00} XXXX XXXX XXXXXXXX {$6200.00} XXXX XXXXXXXX {$980.00} XXXX XXXX XXXXXXXX {$2900.00} XXXX XXXXXXXX {$2400.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXXXXXX {$1900.00} XXXX XXXX {$3000.00} XXXX XXXXXXXX {$430000.00} XXXX XXXX XXXX {$620.00}

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
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 were 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The Consumer Financial Protection Bureau ( " Bureau '' ) brings this action against Experian Information Solutions , Inc. ( " Experian '' or " the Company '' ) under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of XXXX  ( " CFPA '' ), 12 U.S.C. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX Account number 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: 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: Sunbit, Inc.
State: IL

Complaint narrative:
I called to tell them that keep billing me in the person is not me and also that they are messing up my credit its not just one its a few companies

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and XXXX while negatively impacting my financial 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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I borrowed {$10000.00} from XXXX XXXX to pay for my daughters first-year tuition. I was approved for the loan but did not fully understand the terms. I accepted it because she had no access to federal loans or grants at the time. 

I consistently made payments through automatic debit and even paid more than the required amount, aiming to pay off the loan in XXXX years. However, after XXXX years, I reviewed the loan and was shocked to see that I still owed over {$9000.00}. I contacted XXXX XXXX and spoke to a loan officer, who told me that this outcome was consistent with the agreement I had signed. 

In XXXX, XXXX XXXX sold my loan to FirstMark Services, even though I had already paid over {$12000.00}. At that time, the loan balance was {$8600.00}. Now, in XXXX, after nearly XXXX years of consistent, on-time payments, the loan balance is still {$5800.00}. 

Its hard to believe this is correct. How can it take nearly XXXX years to pay off just {$5000.00}, and now it looks like it will take another XXXX years to pay off the remaining {$5000.00}? This seems unreasonable. 

The loan number is XXXX, currently serviced by 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding zelle handling my account fraud particularly in the 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 tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving customers vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allen & Withrow
State: AR

Complaint narrative:
I received a letter from Allen & Withrow on behalf of ( XXXXXXXX XXXX  ) Credit Card that was mail out on XX/XX/year>. The letter was a Writ of Garnishment for XXXX. I faxed them a response as I was directed by the debt consolidation agency ( XXXX ) instructed me on XX/XX/year>. On XXXX XXXX, I went to pay my bills and XXXX XXXX said my monies were frozen for investigation of a garnishment.

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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: 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 my concerns regrading zelles handline 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 invetigate 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 protext 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding 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 claim 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc.
State: WI

Complaint narrative:
First Credit Services has been calling me for the last several months. Recently, they have started to text saying I owe a debt of XXXX  of dollars. I wrote them to validate the debt, but they did not respond. They called me again and denied that I wrote them. 

The debt they are referring to is from XXXX XXXX XXXX, which handled the payments of my gym membership. I called XXXX XXXX to cancel when I stopped attending the gym. They told me I needed to send a buyout check. I sent it as they asked. XXXX XXXX continued to charge me monthly fees. I called them again to cancel, they denied that I had ever cancelled or that they ever got my check. I called my local XXXX XXXX to resolve this. The manager told me that he got it resolved and I didnt owe any money. I double checked that I was all paid up and they assured me that it was completely covered

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 — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Facing financial issues and struggling to pay this loan. Need some type of hardship assistance.

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 a formal complaint to 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes. This is in light of the recent CFPB lawsuit highlighting significant issues with the platform. 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. I have been using Zelle for five years, since XX/XX/year>, and the lack of accountability / transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation