vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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 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 CFPB 's findings indicate that zelle has not only neglected to protect consumers but 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OH

Complaint narrative:
I am sending in these documents at your request. Let me continue to explain what took place. My card was hacked for {$3000.00} and {$1500.00} and I called you on a recorded line to dispute these charges on card ending in XXXX. So you sent me out a new card ending in XXXX which I never received. But you gave me the last 4 digits of the card that was coming by mail which was XXXX. Upon checking my statement it had a {$1500.00} balance on the card which I never received. You said the other 2 fraud charges would be taken off. Then you advised me that you would send me another new card because of the fraud on the card with {$1500.00} on it and that you would be looking into that matter. Now mind you I have not used any XXXX XX/XX/XXXX since I paid it off in XX/XX/XXXX. I believe you have a thief in your department that used my cards. But the biggest problem I have and I want it corrected immediately is some one from XXXX requested {$1400.00} out of my checking account on XX/XX/XXXX and you received it on XXXX as payment. I never authorized any payment to you. I didnt owe any payment to you. My bank did not authorize any payment to you. I tried a stop payment on it but it went through. I have spoken to 5 of your representatives that barely speak XXXX that I could not understand to try and solve this to get my money back. I have went through your fraud service and everything. My next step is my lawyer. I have sent you these documents to you of drivers license, social security card and bank statements. Now its real simple to give me back my money by reversal of payment. I never owed you {$1400.00}. I owe you a balance of {$19.00} for donuts from XXXX store. I have been a customer of yours since XXXX you dont treat people like this. You figure out who frauded me and who your thief is on your own time. Dont let my money set idle while you figure it out. That is my monthly bill money I need to pay my bills. I had to borrow from my bank to correct all my returned items to my other creditors because you wont return my money sent to you by an outsider or insider in your organization. This is not a way to keep my business with you. I will be calling you on Monday to get some results or my attorney will take control if we cant reach an agreement on the money taken from my account. You should be able to see who authorized money from my account to you. If you cant then you got a XXXX poor system. 
Sincerely. 
XXXX XXXX XXXX All this was sent to XXXX XXXX XXXX. Thier is a thief inside their organization. I just received an alert on XXXX that XXXX had requested an address change to experian. I did not do this.

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 2025-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I've been paying student loans with Navient since XXXX, they have been purposefully misleading and confusing on rate reduction programs. after 14 years of making payments i now owe more than the original loan amount. over the years they've promised keeping me on a fixed interest rate just to kick me out of the program. the total amount I've paid in interest from the variable loans equals more than what i originally borrowed. i have consinstely made payments for 14 years and now face hard times and they are not willing to lower payments, defer or forgive. in XXXX they sold my loans to XXXX who now hounds and threatens me. i need help and don't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient fees when transactions were authorized, I was charged fees due to lagged postings 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 2025-01-29 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: MI

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I disputed this debt wanting to know if they were the original owners of this debt. 
They tried to sue me a couple of times. 
The last time I disputed this was on XX/XX/XXXX. 

No results for them being the original debt owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-01-29 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> As required by XXXX XXXX XXXX please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year> at XXXX PM, I checked my credit report and saw that the Barclays account had been charged off. Here are notes from XXXX to XXXX of 2023. 

Barclays 1- Did not provide information about account being closed during the pandemic. 
2- Did not offer a settlement.

3- Did not notify of charge off XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Company account was sold to ) Called Barclays and spoke XXXX XXXX ( XXXX XXXX to inquire about account being closed and charged off during the pandemic. No one was able to provide me with information after being transferred several times.

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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
So the collection agency called me on the XX/XX/year>, they were calling me nonstop asking for me to pay off the balance for a mobile home I never stayed at. I told them it wasnt possible because around that time I was working in XXXX Tennessee as a nurse for a client of mines. I told them I wasnt in Michigan at the time for the person using my information as in my Ssc number. In he told me to go to the police and make an identity theft report with an officer. So I went to the XXXX XXXX police station, and told them I needed a report written up and proof I was at the station. The XXXX J.Piercy of township said he would send me a report over to my email and never did. But he did end up giving me a card with a report number on it. In once I left the police station I called the creditor in told them he wouldnt send me the report, as he stated he would. Then the creditor started to get mad at me and say well your going to have to pay it, in how it would be on my credit if I dont send him a report by the next day. So then I called up to the XXXX XXXX XXXX again and asked if they could send me a report on the incident I came up for the day prior and they kept sending to officer XXXX voicemail. So I stopped calling the officer after 3 days and the creditor continued to contact me and I literally told him I did everything he said do including sending the creditor emails of proof of everything they said to send. In I went on my XXXX XXXX account and seen it on it my account after I already sent the creditor all the proofs that it wasnt me and the XXXX report number they still continued to call me and harass me about something I continued to tell them I didnt do. It really put a dent in my social security number and now nobody will accept me any where because of the identity theft on my Ssc number. I dont know what do from here, Im homeless as we speak from this whole situation because who ever got a place in my name never paid the bill. And now Im here looking at the amount owed and cant and will not be paying it because I didnt do it from jump. I feel so humiliated and embarrassed because how could they make me feel as though I have to pay something that I didn't do. Im hoping you guys can help me because I went to every site known to get it off my credit and even had a call over 2 hrs with somebody from XXXX XXXX and experian to get it removed and its still on my account. It seems like calling XXXX XXXX and experian did nothing. Now here I am at this step hoping someone actually wants to help get this off my credit due the fact it wasnt me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-29 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-01-29 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: MS

Complaint narrative:
It is XXXX and I have contacted them to remove and I have depute before with them.

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 2025-01-29 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: MS

Complaint narrative:
It is Equifax and I have contacted them to remove and I have depute before with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

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 2025-01-29 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-29 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: FL

Complaint narrative:
I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( Fcra ), Which Mandates Credit Reporting Agencies To Maintain Complete And Accurate Information And Investigate Consumer Disputes In A Timely Manner.

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 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I requested to have my taxes removed from my mortgage. I was told by 2 different agents that if I paid my negative escrow balance that I would be able to do so. One agent even told me that I would be able to get money refunded to me if I paid my negative escrow. After I paid they informed me that I have to pay off 20 % of my loan before I am eligible to pay my own taxes. I would like to report mrcooper for fraud. They state that they record their phone calls so this should be documented. They are asking me to pay XXXX $ in escrow payments for a XXXX $ insurance payment and a XXXX property tax payment, as well as the negative escrow balance I already paid which was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: KY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief