vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Loan refinance application, loan estimate and disclosures completed/received XX/XX/XXXX for refinance with PennyMac. Projected closing was XX/XX/XXXX. Provided requested documents through the XXXX. On the XXXX requested HOA condo insurance and questionnaire. Find out later that PennyMac had reached out to ___? ___ Condo management company for information. I had never heard of them ( wrong company ) and provided the correct contact information to multiple people. Heard nothing through holiday. I reached out on XX/XX/XXXX- they claimed that they had tried to reach me via phone and email, but I had no missed calls or emails ( including spam ). They indicated that due to condition of the building, they would likely not approve the loan. I provided an engineer 's letter of " building safe to occupy '' and spoke with the originating employee, his supervisor, the processing employee, and her supervisor. On XX/XX/XXXX received letter of loan denial. 

Good ( near 800 ) credit score ; 70 % loan to equity ; improved personal equity and cash flow from original loan. PennyMac holds the original loan and the needed " repair '' issues are more near complete than they were when the original loan was issued in XX/XX/XXXX. All repairs have been contracted for and completion estimated in XXXX. 

Seems to me the " repair '' issue is an excuse as my locked in rate of 5.99 % would now be 7+ %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
Ive identified several mistakes on my credit report tied to certain accounts, and these errors are hurting my credit score.

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 2025-01-22 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: TN

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 2025-01-22 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-01-22 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: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding a notice I received from your company about an alleged debt that you claim I owe. I am requesting validation of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically ). U.S.C. 1692 ( g15 Please provide me with the following information so that I may verify the debt : 1. The name and address of the original creditor.

2. The amount of the debt, including an itemized breakdown of the principal, interest, fees, and other charges.. Proof that you are authorized to collect this debt.

3.Copies of any agreements or contracts that I allegedly signed, showing my responsibility for this debt.A 4. Copy of the full payment history on this account, including details of all payments made and any additional charges applied.

In accordance with 15 U.S.C. 1692g ( b ), I request that all collection activities cease until you provide the requested validation of this debt.

Please be advised that failure to provide sufficient validation will result in my disputing this debt with all relevant credit reporting agencies and filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

This letter is not a refusal to pay but a request for verification of the alleged debt. I request that all further communication regarding this matter be conducted in writing. 



hat all collection activities cease until you provide the requested validation of this debt. 

Please be advised that failure to provide sufficient validation will result in my disputing this debt with all relevant credit reporting agencies and filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

This letter is not a refusal to pay but a request for verification of the alleged debt. I request that all further communication regarding this matter be conducted in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my accounts. These fees were assessed despite having sufficient funds available at the time of the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears to be consistent with recent findings by the CFPB, which identified with similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite having the adequate funds initially. I believe these practices were unfair and very deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
While opening a new CD I downloaded the " Synchrony Bank Consumer Deposit Account Agreement '' for review prior to completing the CD. This document is XXXX pages and covers multiple account types. 

Unlike any document ( XXXX  or otherwise ) I've downloaded from any other bank, this document is NOT SEARCHABLE. Of course, the document should be locked to prevent editing. This goes beyond being locked. It's like an image of text, but not actual text. I can't highlight and copy a section, for example. I can't copy it into another program, like XXXX, to search for text. I've tried multiple XXXX  readers and browsers. 

Most importantly, it can't be searched for key words e.g. " penalty ''. 

This is the most user UNfriendly document I've ever dealt with. 

PS- The document in question is XXXX so I couldn't upload it to you due to the XXXX size limit.

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 2025-01-22 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : US DEPT OF THE TREAS - Balance : {$3600.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-01-22 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: IN

Complaint narrative:
XXXX and equifax are reporting inaccurate information on my credit report. XXXX is inaccurate, I never had an account with XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
The original Creditor XXXX XXXX was sued and forced to pay Consumers for Bad Business Practices such as NCB is trying to do here. This Entity is trying to collect on a debt that has been paid in Bankruptcy and a Civil Class Action Lawsuit filed on the ENTITY they brought the loan from Really this is how VETERANS WHO FOUGHT FOR THIS COUNTRY IS TREATED WITH THIS DISRESPECT!!!!!!!!! WOW. 

My name is spelled XXXX XXXX XXXX. 

You have transformed my name into a CORPORATIONAL NAME for your benefit. This is an absolute disgrace to the United States Citizens or shall I say Employees, whom you constantly tax for your XXXX  XXXX XXXX  XXXX  in the public view such as TV and MEDIA outlets. let 's be real the only XXXX  here is you!!! 

Removal of all charge offs/collections accounts all Hard inquiries anything not related to positive accounts and all late payments, and all negative reporting of closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! 

Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordantly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 

XXXX XXXX OF XXXX RIGHTS XXXX XXXX ( XXXX  ) XXXX  XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

XXXX  XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I 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 and 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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: WA

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding XXXX 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 XXXX  to exploit the system, leaving user 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 2025-01-22 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
These transactions are unauthorized and fraudulent and want them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
These transactions are unauthorized and fraudulent and want them removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FC HoldCo LLC
State: IL

Complaint narrative:
These transactions are unauthorized and fraudulent and want them removed immediately

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 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am a victim of identity theft. I was part of a grand jury and assigned a victim advocate back in XXXX of XXXX A woman by the name of XXXX XXXX used my identity to open accounts with XXXX and other telecommunication agencies. The case number is XXXX. This happened in the state of XXXX in XXXX XXXX. This XXXX I found out- XXXX sent a collection bill of XXXX XXXX to Sunrise Credit Service ( phone XXXX XXXXXXXX ). I was notified of this due to XXXX ( who I have a credit lock membership with ) an alert that my credit score moved from Excellent to Fair due to this debt. I did not create this debt and what I need is for it to be removed immediately because it is the product of identity theft. I currently am in the process of getting proof of the case, subpoena, and court documents from my XXXX XXXX XXXXXXXX whose phone number is XXXX. I contacted XXXX and they only offered me to upload these forms and send in any court documents and my Gov ID to prove that this debt does not belong to me.

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 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
In XXXX  2023, my car was repossessed by Wells Fargo without any prior notification. I was behind on payments at the time but never received any notices by mail or other communication methods informing me of the pending repossession or how to retrieve my personal belongings.

The car contained all of my personal belongings, including [ list specific examples if possible ]. Wells Fargo did not provide me an opportunity to retrieve these items before discarding them. 
After the repossession, I was unaware that it had taken place. Believing my car had been stolen, I filed a police report. I attempted to contact Wells Fargo multiple times for clarification but was unable to speak to a live representative because my account had been closed, and the automated phone system required an account number to proceed, which I could not access. 
In 2024, I received a letter from Wells Fargo stating that my car was at an auction. Upon contacting the number provided, I was informed that my belongings had already been discarded and could not be retrieved. 
Consequences of Wells Fargo 's Actions : Loss of Personal Belongings : XXXX XXXX failure to notify me or allow access to my car resulted in the loss of my personal belongings. This has caused significant emotional distress, as some of the items held personal and financial value. 
XXXX Penalties : My license plate was among the belongings left in the car. Due to XXXX XXXX actions, I was unable to return the plate to the XXXX, resulting in penalties and the suspension of my drivers license. 
Lack of Communication : Wells Fargo failed to notify me of the repossession or provide clear instructions for retrieving my belongings. Their automated phone system prevented me from reaching a representative to resolve the issue. 
Supporting Evidence : Police Report : Filed under the assumption that my car had been stolen due to lack of notification from Wells Fargo. 
Messages : I have messages sent to friends describing the situation when it occurred. 
XXXX Documentation : I can provide evidence of the penalties and suspension of my drivers license. 
Wells Fargo Records : Call logs from Wells Fargo should confirm my attempts to contact them after the repossession.

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