vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: NY

Complaint narrative:
I was a XXXX  customer for XXXX lines of my family. I decided to switch my cellular network service provider from XXXX to XXXX. I started communicating with XXXX and I owed them some amount on my XXXX of the devices. I paid those all and they unlocked those devices for me. 
As a part of new customer to XXXX, I got new devices for all my XXXX lines and I switched in my network on XX/XX/XXXX from XXXX to XXXX. 
Simply putting I was paying to XXXX starting from XX/XX/XXXX and I have that bill attached to this complaint. On page XXXX of my XXXX bill you can see ( Partial charge for 8 days : XX/XX/XXXX- XXXX XXXX ) that I started paying them for services starting the same date XX/XX/XXXX. This is proof number XXXX that XXXX should stop charging me from that date as I was not using their services but XXXX services XXXX 

Now proof number XXXX are the bills generated from XXXX in which they have generated bills for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. See attached XXXX bill page XXXX where they are showing the usage which is XXXX data, XXXX minutes of talk and o messages clearly proves that I did not use their services. This is their fault to generate those bills as I was not using any of their services. Their bills itself proves that I was not using their services as their bills are showing XXXX usage of data, talk or text. 

I am a layman and I know one thing. I pay for the services I use. For what technical reason XXXX keep billing for is out of my understanding. They have further this process and gave this case to a collection agency and the agency forward this case to a lawyer 's office. When I tried to reach attorney 's office and disputed these charges, the attorney office clearly stated that XXXX pushed that back and they will hard post this to my credit report and it will be there on my credit report for 7 years. 

Due to this reason my credit score which used to be in the range of XXXX is now at XXXX range and it is really painful to suffer for something which is not my fault. 

XXXX as a service provider proved that a loyal customer for few years should be penalized for loyalty and not rewarded. Such cases should be taken public so that consumers know before they make a decision to use their services. 

The law office who is handling this case for XXXX is " The law office of Maury Cobb '' and their office is situated at Alabama. Their contact number is phone # XXXX XXXX XXXX and the internal reference # to this case is # XXXX. 

I thank you all for your time and support in this matter.

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: MA

Complaint narrative:
I would like to inform you of my frustration surrounding the Zelle dispute process, given the recent CFPB lawsuit filing regarding issues on this money-lending platform. Although I am a Zelle end user, I have frequently experienced problems with transaction postings and discrepancies in reporting money receipt. My concerns went unaddressed by my financial institution and Zelle, and my only response was that my claims could not be rectified. The CFPB filing suggests Zelle has not made adequate attempts to protect consumers, thereby leaving consumers susceptible to scams and allowing their platform to be exploited for malpurpose. The party in question must be held accountable in order to mitigate concerns and uphold 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
One of the phone calls the guy got ignorant and loud. Then stated that they wil have to use force and escalade the 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have identified that Experian is reporting the same collection account twice on my credit report under two different account numbers. This duplicative reporting is negatively impacting my credit score and does not accurately reflect my financial situation. 

After reviewing the details, it is evident that these accounts refer to the same debt, but they have been assigned different account numbers. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and fair information. 

I have already disputed this matter directly with Experian but have not received a satisfactory resolution. Therefore, I request that the CFPB investigate this issue and ensure that Experian removes the collection accounts from my credit report immediately.

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 handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle, numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving XXXX 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My information was exposed in a data breach. These accounts listed below do not belong to me : XXXX XXXXXXXX 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

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed account, as Experian inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees. Despite having sufficient funds available when the transactions were authorized, I was charged fees due to the lagged process of posting charges and credits. The reoccurring issue aligns with the recent findings via CFPB against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe that this is unfair an I am requesting an investigation into my 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that appear on my consumer credit report. These inquiries were made without my knowledge or consent and I believe they are unauthorized. Please see the attached documents. 

I also request the deletion of incorrect addresses, names, birthdates, phone numbers, and email addresses, as listed below : Addresses : The following addresses are incorrect and should be removed : 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 The only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX 
Names : The following names are incorrect and should be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only correct name is : XXXX XXXX XXXX. 
Birthdates : The following birthdates are incorrect and should be removed : XX/XX/XXXX and XX/XX/XXXX. The only correct birthdate is : XX/XX/XXXX. 
Phone Numbers : The following phone numbers are incorrect and should be removed : XXXX, XXXX, and XXXX. The only correct phone number is : XXXX. 
Emails : The following email addresses are incorrect and should be removed : XXXX, XXXX, XXXX, and XXXX. The only correct email address is : XXXX. 
I am writing to dispute unauthorized accounts listed on my credit report with XXXX XXXX. Specifically, I did not authorize or open the following accounts : an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$400.00} ; an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$1000.00} ; an Online Installment Loan with XXXX XXXX XXXXXXXX, account number XXXX, opened on XX/XX/XXXX for {$1700.00} ; and an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$2000.00}. These accounts were not initiated or authorized by me, and I request their immediate removal from my report. Please investigate these accounts as fraudulent, delete them from my file, and confirm these corrections in writing. 

Please find attached the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license or passport ) A utility bill or bank statement verifying my current address A copy of my credit report with the unauthorized inquiries highlighted

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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: NV

Complaint narrative:
I am writing to file a complaint with 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 lagging posting of charges and credits. This issue aligns with the CFPB finding 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 in to 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: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
I am a 100 % XXXX veteran and I am 100 % exempt f XXXX paying real estate taxes but the mortgage company will not adjust monthly payment to reflect that. We have provided all the documentation they have requested. We are working on this for XXXX weeks and no resolution. They were suppose to adjust off {$4200.00} and refuse. There customer service towards Veterans is appalling. I followed Al the rules and requests and this is how they treat us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One is withholding deposits and refusing to answer customer questions about when the issue will be resolved. Debit and Credit cards are not working and direct deposits that were supposed to be deposited by now are over TWO DAYS LATE

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 XXXX handling of distributes, 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 tracking these transactions was infeasible.The CFPBs finding 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's ' inaction violates federal law and my rights as a consumer. 

Additionally, there are many accounts across the XXXX credit bureaus that report inaccurate dates/opening and payments of the accounts.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX, have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's ' inaction violates federal law and my rights as a consumer. 

Additionally, there are many accounts across the XXXX credit bureaus that report inaccurate dates/opening and payments of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAND HOME FINANCIAL SERVICES
State: MD

Complaint narrative:
I received a letter from land home financial services dated XXXX The letter noted a XXXX day late notice. The letter also included an increase in payment of {$120.00} per month and the date changed from the XXXX of the month to the XXXX  of the month. I was never notified this nor was my bankruptcy attorney of any changes that were made. I am on a fixed income and have arranged my finances to pay the mortgage on the XXXX of each month. The XXXX  of the month would be a problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint for incorrect late payments reported on my credit report during the XXXX national emergency period. These late payments were posted for the account XXXX  XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The XXXX XXXX was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, the creditor XXXX XXXX reported my account as delinquent, which unfairly affected my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX  XXXX and requested that my account status be corrected to reflect a status of PAID/ACCEPTED or OK for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and ability to access financial services. 
I am requesting that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.

Company response to consumer: Closed with non-monetary relief