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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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:
Account overdraft saying there were funds and there wasnt and overdraft ended up being charged to account because of it.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Received fraud alert from Truist credit card company for {$98.00} purchase at XXXX was placed on the credit card. 
XX/XX/XXXX Truist double charged my account {$98.00} as a XXXX XXXX XXXXXXXX. This transaction increased the account balance due.. 
XX/XX/XXXX Truist issued a credit for {$98.00} to the credit card account. 
XX/XX/XXXX I reviewed the credit card online and saw the above transactions. I called Truist to correct the double charge of {$98.00}. spoke with XXXX, a supervisor, and she could not explain why there were XXXX charges of {$98.00} on the screen print of the account. 
XX/XX/XXXX I paid the account balance and closed the credit card account. I then asked for a copy of the account. 
XX/XX/XXXX I received a copy of the account XXXX to XX/XX/XXXX. I called Truist and asked for a copy of the period to include XXXX/XXXX/XXXX, the close date of the card. I was told this was not possible, I wwould have to wait for the close of the month cycle at XX/XX/XXXX. 
XX/XX/XXXX As of this date I have never received a copy of the account. I called Truist to ask when it was mailed. I received no response. Aftr being placed on hold multiple times a person from XXXX from XXXX XXXX XXXX says she can email me a copy. After 5 minutes she comes back to state the email service was not in service. She stated she could call me when it was repaired and email me. I then asked for a copy to be mailed, and she placed me on hold again. She comes back and said it would take 20 days before I would get a statement copy. 
I have made other calls than the ones above, each time placed on multiple holds and invalid information. 
I just want a copy of the credit card statement for the period XX/XX/XXXX to the ned of the next monthly cycle.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I sent {$45.00} to the wrong person using Zelle & when I called to XXXX they were unable to fix the situation.

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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, 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 this fraudulent account in my report and TRANSUNION 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, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: GA

Complaint narrative:
XXXX 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 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 despite the evidence I provided, 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.

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:
Regarding the following accounts I did not authorize these inquiries and have never conducted any business with them. I have no knowledge of their existence and have not signed any contracts related to them. 

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 XXXXXX/XX/XXXX Please note : Under the consumer law ( 15 U.S. Code 1681c-2 ), " except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft no later than four business days after the date of receipt by the agency of : Appropriate proof of identity of the consumer ; A copy of an identity theft report ; and I request that you immediately block and remove these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act. 

I look forward to your prompt attention to 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: 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: NV

Complaint narrative:
I sent a letter via certified mail on XX/XX/year> asking that the credit bureau ( Experian ) provide proof of verification and method of verification that is not computer or AI generated and remove items reporting inaccurately on my credit report according to Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also advised that the spelling of my name " XXXX '' was incorrect and to remove/update the spelling " XXXX ''. I received the standard generated response with no verification method stating the information was " verified '' with no other information and my name was never corrected. And Experian has violated my rights as a consumer, as well as federal laws.

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: 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 fund when transactions were authorized, I was charged due to lagged posting of charges & 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 transections

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally express my concerns with XXXX handle it of disputes particularly in the light of the CFPB lawsuit, highlighting and significant issues with the platform. Despite using XXXX, numerous of times and report and discrepancies. My financial institution is XXXX fail to investigate my claims adequately they informed me that recovering lost funds was impossible in that tracking these transactions was unfeasible the CFPB findings indicate that XXXX has not only neglected to protect consumers but have a loud repeat offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: FL

Complaint narrative:
I am writing to formally express 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. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: 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. The first and second payment to XXXX of {$4000.00} XXXX XXXX and {$4000.00} and XX/XX/year> was to the wrong person. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBP '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 is unnacceptable, and raises serious concerns over consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Issue XXXX XXXX I had requested a delay in my escrow analysis due to my previous loan holder ( XXXX ) had run it in XX/XX/XXXX and with the negative escrow balance i had a XXXX month repayment set up. Newrez ran it in XXXX of XXXX instead of XX/XX/XXXX which would have been the full year since the last escrow analysis ran and would have had made my shortage to be less than it was with them. 

Issue XXXX Pmi removal request either XXXX or XXXX of XXXX. Checked was chased XXXX never contacted me in timely manner for assessment Spoke with supervisor who said because of their mistake they were going to go ahead and refund the XXXX i paid for the bpo, remove my pmi, and refun me the previous moths i had paid pmi. I was then informed this person was incorrect and this delayed. my pmi removal for another 6 months. I put in a request to be refunded those XXXX previous months due to this error in XXXX. I have not been contracted back still. I put in another escalation request as of today. This money could have been put back into my escrow before this years current analysis and would have reduced my deficit. Instead my payment has now gone up again. 

Both issues have directly resulted in having to pay more monthly than I should have. I also submitted to Newrez my complaint letter to XXXX with all the errors XXXX made than also negatively impacted my escrow balance ( XXXX is no longer in business is my understanding ) Newrez chose to ignore that letter as well to try and reconcile those mistakes. 

Newrez is completely aware of all the calls I have made in the past year and a half, the escalations i have requested, and the errors they made in this process. Their responses have been there is nothing we can do about it. They continue to change their policies which again is negatively impacting the consumer. It would be great to have some accountability form the loan providers. 

I have attached the complaint as well i submitted to Newrez that documents the issues I had with 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: 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: GA

Complaint narrative:
In XXXX, I discovered incorrect information on my credit report provided by Experian. The inaccurate information included wrong address, incorrect names and incorrect information. To address this, I sent dispute letters to Experian providing documentation and requesting the removal or correction of the inaccurate information and validation of debt ( s ). Despite my efforts, Experian failed to remove or accurately update the information on my credit report. In XXXX, I followed up by sending additional dispute letters providing supporting evidence to demonstrate the inaccuracies. However, the erroneous information remains on my credit report negatively affecting my credit score and financial standing. This failure to correct or investigate my disputes violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of the information they report and conduct timely investigations when consumers submit disputes. I am requesting immediate action to investigate and permanently remove the incorrect information from my credit report. I would appreciate written confirmation once the issue has been resolved.

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: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I paid the account off with the creditor Midland Credit and it is still showing as unpaid and I have balance on my credit report for XXXX, I have reached out to Midland Credit and asked for the creditor to update my credit report and they are not willing to do that.

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: CA

Complaint narrative:
I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights major issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings suggest that Zelle has not only neglected to protect consumers but has also enabled 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
AS I WAS REVIEWING MY CREDIT REPORT I NOTICED, CAINE WEINER COLLECTION AGENCY ATTEMPTING TO COLLECT A DEBT WHICH DOES NOT BELONG TO ME. CAINE -WEINER ACCT XXXX ORGINAL CREDITOR XXXX XXXX. BESIDES THIS DEBT IS FRAUDULENT/ I HAVENT EVER USED PROGRESSIVE INSURANCE UNTIL JUST CHANGED XXXX / THE INFORMATION ON THE CREDIT REPORT IS BEEN REPORTED INACCURATE INFORMATION/ I HAVE CALLED AND EMAILED TO DISPUTE AND HAVE REMOVED AND NOTHING HAS HAPPENED.

Company response to consumer: Closed with explanation