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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CLOSED ACCOUNT XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from the my fico company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Thanks so much

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: VA

Complaint narrative:
I am writing to formally dispute all negative remarks on my credit report due to the protections afforded under the Servicemembers Civil Relief Act ( SCRA ). As an active duty military service member, I am entitled to specific protections under this federal law.

The SCRA prohibits creditors from making negative reports to credit bureaus regarding obligations that are subject to relief under this program. Specifically, creditors must accommodate the financial challenges that arise from military service and can not penalize service members by reporting delinquencies or defaults related to obligations covered under the Act.

I request a full investigation into the negative items reported by [ list specific creditors, if known ] on my credit report. Please contact the creditors in question and verify whether their reporting practices comply with SCRA guidelines. If any inaccuracies or violations are found, I ask that these items be promptly removed or corrected on my credit report.

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: TX

Complaint narrative:
XXXX was deposited into my checking account received notification of deposit from Navy Federal but then was charged an overdraft fee for another transaction because they said XXXX had not posted it was still pending.

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: AZ

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

Complaint narrative:
Navy Federal Credit Union continues to charge overdraft fees after transfers and purchases although the account balance shows more than enough money for the purchase/transfer. They do not update balances accurately up to XXXX days after the transaction so it looks like you still have money. This is unlawful and it has happened to me in the last year at least 4 times.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime, a bank account I use sometimes. was used to purchase a purse from a vendor on XXXX. I sent the intial money via chime to this person by the name of XXXX XXXX with the XXXX XXXX ( XXXX XXXXXXXX ). Intially she was messaging me on XXXX. When I started queshtioning when I would be getting merchandise from XX/XX/year> she blocked me on XXXX and XXXX and from the the chime account. I contacted chime because over a period of time this lady managed to get XXXX dollars from my chime account. I filed a dispute with chime and only XXXX hours later they denied the claim without even doing an investigation. This lady from XXXX kept sending me chime request for more money for merchandise that I never even requested. I didn't respond to her multiple chime request only ignored her yet she was still able to get so much money out of my account. Charges on chime are as follows. XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX dollars, XXXX XXXX dollars XXXX, XXXX XXXX XXXX XXXX XXXX dollars, At XXXX point she requested I send additional funds to a XXXX on chime because she said she had over XXXX dollars on her chime account. I explained this sounded fraudulant and a scam and I wanted my XXXX dollars back, I have NEVER received any merchandise. She tried to show me a fake tracking number but it was clearly a fake. I have asked for my money back several ways from her and chime. How this company, chime can just let anybody take XXXX dollars from someone's account and do nothing about it, I can not understand. I have filed a police report and am now reaching out to you. I can no longer make my this months house payment because chime has allowed this fraudulant company to take multiple amounts of money from my account. I need this handled as quickly as possible. I am a nurse at the XXXX XXXX XXXX and get 100 % XXXX from the military for being a XXXX veteran. I have a very fixed budget and this loss of money is really affecting my finances in a very negative way.

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 this to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute all negative remarks on my credit report due to the protections afforded under the Servicemembers Civil Relief Act ( SCRA ). As an active duty military service member, I am entitled to specific protections under this federal law.

The SCRA prohibits creditors from making negative reports to credit bureaus regarding obligations that are subject to relief under this program. Specifically, creditors must accommodate the financial challenges that arise from military service and can not penalize service members by reporting delinquencies or defaults related to obligations covered under the Act.

I request a full investigation into the negative items reported by [ list specific creditors, if known ] on my credit report. Please contact the creditors in question and verify whether their reporting practices comply with SCRA guidelines. If any inaccuracies or violations are found, I ask that these items be promptly removed or corrected on my credit report.

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: VA

Complaint narrative:
I am writing to formally dispute all negative remarks on my credit report due to the protections afforded under the Servicemembers Civil Relief Act ( SCRA ). As an active duty military service member, I am entitled to specific protections under this federal law.

The SCRA prohibits creditors from making negative reports to credit bureaus regarding obligations that are subject to relief under this program. Specifically, creditors must accommodate the financial challenges that arise from military service and can not penalize service members by reporting delinquencies or defaults related to obligations covered under the Act.

I request a full investigation into the negative items reported by [ list specific creditors, if known ] on my credit report. Please contact the creditors in question and verify whether their reporting practices comply with SCRA guidelines. If any inaccuracies or violations are found, I ask that these items be promptly removed or corrected on my credit report.

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: TX

Complaint narrative:
I am formally writing my concerns regarding Zelles 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contracted the company after they are reporting address on my credit profit that not correct and accounts that not correct.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by mail, and identified the debt as XXXX, in the amount of {$2900.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that [ XXXX XXXX  ] has the right to collect this debt within the state of FL. I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

Sincerely, 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by mail, and identified the debt as XXXX, in the amount of {$2900.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt.

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that [ XXXX XXXX ] has the right to collect this debt within the state of FL. I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time. 

Sincerely, XXXX XXXX XXXX

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was scammed using Zelle and was unable to get my money back. I filed a claim through my bank but it was denied, and my account was closed. Didn't receive my money back.

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> my daughter attempted to place an order from XXXX XXXX. She used my CashApp card to pay the total of {$13.00}. The order to XXXX did not go through but CashApp charged my card. I proceeded to the restaurant where the manager informed me that they did not have my order and since the charge was pending I should not be charged. Two days late CashApp charge was completed. I have now filed 4 disputes with CashApp. After the second denial from CashApp I contacted XXXX who indeed confirmed that the order did not go through and that I should not have been charged. I filed a third dispute with CashApp included the e-mail and was told that the dispute was denied because the merchant fulfilled their obligation. I have a clear email from the merchant that says that they did not provide me with any goods. I filed a 4th dispute which was also denied with the same reasoning. How do I get my refund? The merchant says they did not fulfill my order?

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: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
They closed my credit card account while I was actively making payments. They then took money from my savings account and put it towards the credit card as well. I didnt authorize that transaction.

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: TX

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on my credit report.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A thorough review of my credit record has revealed concerning late payment entries that require immediate attention. Despite my proactive approach in addressing this issue by sending letters over 30 days ago requesting clarification and validation, I have received no response or satisfactory explanation. This ongoing silence and lack of proper validation has left these disputed entries unresolved on my credit report.

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