vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
The date of XX/XX/year> I purchase XXXX product from bestbuy online there is 0 % interest for 24months I never know the promotion ended by XXXXThey don't give me any notification before the promotion ended by text call email or mailing when im checking to my credit status and they are simply added to charged the interests on my credit account {$1200.00} I don't have the money to pay for that kind of unauthorized billing.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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: NY

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 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I had a 'OLD NAVY ' master card store credit card for years with XXXX balance. 
I received XXXX  in the mail saying up to {$10000.00} for 0 % interest until XX/XX/year>. I used the XXXX  to transfer the money on XX/XX/XXXX. Due to holidays when couple of days later I checked the account a 4 % charges on my account were there. ( {$400.00} ). I called them and asked, they said if I transfer back {$10000.00}, they will remove this. 
I sent back the money {$10000.00} on XX/XX/XXXX. Called them and now they are saying they can't remove the charges. 
This 4 % fee was never mentioned before with the XXXX  and now they are refusing to remove it. I closed the account with them but charges are still there.

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 monetary relief
Consumer complaint received 2025-01-15 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: NY

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 unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's 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 2025-01-15 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: OH

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of transactions and disputes. I have experienced significant discrepancies in the amounts sent to and from my account, which Zelle failed to address adequately. For example : I sent payments through Zelle, but the recipients received different amounts than what I authorized. 
My account reflects withdrawals for transactions I did not initiate or approve. 

Despite reporting these issues to Zelle and my financial institution, my claims were not investigated properly. I was informed that recovering the funds or even tracking the transactions was impossible, leaving me without a resolution. These errors have caused financial hardship and frustration. 

The recent CFPB lawsuit against Zelle highlights broader systemic issues with the platform, including its failure to protect users and its neglect in addressing consumer disputes. I believe my experience reflects these failures, and I am requesting a full review of my account to address the inaccuracies and a refund for any funds improperly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Panorama Mortgage Group, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding Panorama Mortgage Servicing Companys mismanagement of my escrow account. Despite being responsible for paying my property taxes, homeowners insurance, and HOA fees for the XXXX period, these payments have not been made. Additionally, there are discrepancies in my escrow account, with missing funds and totals that do not add up. I have contacted the company but have not received a satisfactory resolution. This mismanagement has caused financial stress and risks, including potential penalties and lapses in coverage. I request CFPB 's assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Albert Corporation
State: WA

Complaint narrative:
Albert makes it as difficult as possible to cancel your account and subscription. They owe me {$3.00} and are refusing to cancel my account until I re-link my bank account to transfer out the {$3.00}. This is taking place on XX/XX/XXXX. On XX/XX/XXXX, my bank account was linked. I transferred out {$77.00} they took from me under the guise of helping me save money ( thats a whole other issue ). I believe they purposefully un-link accounts that have been withdrawing funds because they know the person is trying to cancel the account ( because they wont allow you to cancel until you have withdrawn your funds ). I am now being told I have to wait 2-3 business days for my account to link, then 2-3 business days for the transfer to take place, then they will submit a request to cancel my account. I feel like Im going insane. There should be a button that allows me to cancel my account and sends funds by check to the address on file. Its insane to me that I have to jump through about 10 different hoops to just cancel a subscription. Its clearly a process that is designed to be predatory and confusing on purpose so people give up and keep the account. There are also hundreds of XXXX threads of customers complaining about the predatory process of cancel subscriptions/ accounts, its clearly not just me. Its designed to take a long time and be as confusing as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

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 unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer. 

These accounts include : XXXX XXXX XXXX for {$400.00} XXXX {$860.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CO

Complaint narrative:
I am submitting this complaint against XXXX for their failure to conduct a proper and thorough investigation into multiple disputes I have filed. 
The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from XXXX have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures of Accuracy of 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
Personal information is wrong Everything on my credit needs to be deleted

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 2025-01-15 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: NY

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 unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and filing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I mailed my rent check to my landlord every end of the month. I dropped this in a mailbox near my apartment. ( Not sure where it was stolen ). 

On XXXX XXXX my checked was cashed. I DID NOT realize that my landlord didn't receive my payment until I got my statement on XX/XX/XXXX. I immediately called bank and they asked me to go to a branch and file an Affidavit of Forgery ( which I did on XX/XX/XXXX ). I called their customer service to follow-up and was told to go to a branch where I filed my Affidavit of Forgery since they do not have access to this. 
I went on XX/XX/XXXX to follow-up and nothing. I receive a mail from TD Bank XX/XX/XXXX stating their there is no adjustment necessary to my account. I then returned to the branch to complain about this. I was told that this is being requested again?!!! 

I need to pay my landlord asap and I don't know what to do next. 

Please HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
filed a dispute thru XXXX. dispute came back stating " the incorrect account with lvnv funding llcthat has not been changed and will remain on my credit report.- reported XX/XX/year>. closed XX/XX/year>XXXX  iam requesting Validation from LVNV Funding LLC : Send a formal debt validation letter. with a copy or original contract with signature. directly to the collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to prove the debt is valid. 
Improper Assignment of Debt : If a collection agency like LVNV Funding LLC can not prove it legally owns the debt ( e.g., they can not produce a chain of title or valid assignment ), this violates UCC provisions related to the transfer of negotiable instruments. 
Failure to Provide Validation : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must validate debts when requested.The RICO Act targets patterns of racketeering activity, including fraud, extortion, or illegal business practices. To claim a RICO violation against a debt collector, you must show that their actions were part of a larger scheme of illegal conduct.

Rico Violation : Systematic Fraud : Using deceptive practices to collect on debts, such as fabricating documents or misrepresenting the amount owed. 
Illegal Collection Practices : Threatening you with arrest, seizing property without a valid court order, or continuing collection attempts after a debt is discharged in bankruptcy. 
Extortion : Using threats, harassment, or coercion to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: LA

Complaint narrative:
On XXXX I put a dispute in with Experian for an account that I settled with collections agency with and I provided the documentation that agency gave me to prove it was settled. The investigation was quick and came back that the account stays and there was nothing wrong. I then tried to appeal it and it got denied. On XXXX did the process again it was denied. On XXXX I disputed it again and it was denied. I have the proof to show that this is incorrect.

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 2025-01-15 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: FL

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to XXXX XXXXXXXX, yet these inquiries still appeared on my current 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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices 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 2025-01-15 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am reaching out regarding a significant credit issue that I have been unable to resolve despite extensive efforts. This situation has negatively impacted my financial standing and livelihood, and I urgently need assistance. 



I have made consistent on-time mortgage payments for over 10 years through my banks XXXX XXXX XXXX. Unfortunately, due to changes in mortgage servicing companies and billing systems, my payments have not been properly credited, resulting in incorrect late payment reports on my credit file. Below is a summary of the issue : 1. Consistent Payments : I have always made my payments on time via online bill pay. 

2. Mortgage Servicer Transfers : Over the years, my mortgage has been sold and transferred between multiple servicers. Payments were sent to the previous servicer, and then forwarded to the current servicer, causing delays. 

3. Bank System Changes : My bank, XXXX XXXX, informed me they recently updated their bill pay system, which may have compounded the issue. 

4. Documentation Submitted : I have provided a complete paper trail to XXXX XXXX, including proof of payment and correspondence detailing the issue. Despite this, the problem persists. 

5. Credit Damage : My credit score, previously in the upper XXXX to low XXXX, has plummeted to the XXXX, significantly impacting my ability to conduct business and secure financial resources. 



I am a licensed North Carolina general contractor and real estate broker. My professional reputation and ability to sustain my livelihood depend on my creditworthiness, and this erroneous reporting has caused undue hardship. I have contacted the Federal Trade Commission, Equifax, XXXX, and XXXX, but I have not received a resolution. Additionally, I have spoken with multiple representatives at XXXX XXXX, but no corrective action has been taken. 



I am respectfully requesting immediate intervention to : Investigate this matter thoroughly. 

Correct any inaccuracies on my credit report. 

Ensure my payment history reflects my consistent, on-time payments. 



Please let me know if additional documentation or information is required to resolve this matter. I am prepared to provide any necessary details promptly. 



Thank you for your time and assistance. This issue is deeply affecting my financial stability and professional obligations, and I hope for a swift resolution. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief