vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date of Birth ] Radius Global Solutions [ Collection Agency Address ] [ City, State, ZIP Code ] Date : [ Insert Date ] To Whom It May Concern, I am writing to formally dispute the alleged debt associated with the account referenced below, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Account Information : XXXX : XXXX XXXX XXXX Account Balance : {$1200.00} Opened : XX/XX/year> Account Number : [ Include if available ] I request that you provide the following information to validate the debt : 1. A copy of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, interest, fees, or charges applied.

3. Proof that Radius Global Solutions is legally authorized to collect this debt on behalf of the original creditor.

4. Proof of my contractual agreement with Radius Global Solutions bearing my signature. 



Until this debt is validated, I request that you cease all collection activities and refrain from reporting this account to any credit reporting agency, including XXXX, XXXX, and XXXX. Reporting unverified debt is a violation of the FDCPA and may be subject to penalties.

Additionally, I request that you communicate with me exclusively in writing and do not contact me by phone. 

Please consider this letter a formal dispute of the debt. If the debt can not be validated, I expect its immediate removal from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation to resolve this issue.

Sincerely, [ Your Full Name ] [ Your Contact Information ]

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 — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
on XX/XX/year> my Zelle account was hacked and an amount of {$700.00} dollars was sent to " myself ''. i filed a claim with Zelle and they did an investigation showing there was no breach of my account and deemed it an legal transaction. I did not authorize this transaction nor did i do it on my own.

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: CA

Complaint narrative:
i am a victim of identity theft, and i have called experian muliplie times in regards to my rights as a consumer has been violated, that being said there are 2 bankruptcys reporting on my credit report that do not belong to me whats so ever, so i took the the time to contact the bankruptcy court and ask them how are they reporting the bankruptcy on my credit report, they have advised me that they do not report to any of the credit reporting agencies whats so ever. so i contacted experian and asked them how are they verifying the accuracy of the bankruptcy, they have advised me that they are getting the information from a 3rd party company called XXXX XXXX  which is not the orignial furnisher!. i have asked experian to please remove the 2 bankruptcy 's from my credit report and they are refusing to removing the fruadulant accounts even with supporting documents that i currenly provided to them!. and also they are refusing to remove the fruadulant inquires and address i listed on the ftc 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity fraud, I contacted Experian to let them know what was going on. They informed me that they were going to conduct an investigation to get everything worked out. They never replied back to me about the investigation and I still have the fraud accounts on my credit report.

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

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 ( s ) 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 reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For nearly three years, I have tirelessly worked to present clear and compelling evidence to Experian, a third-party debt collector, and the original company involved. Despite my efforts, which included providing indisputable proof, I have been met with repeated resistance and what I perceive as a lack of genuine investigation. Each time Ive submitted information, the outcome has been the same, leaving me feeling ignored and dismissed. 

This process has caused me extreme XXXX and a deep sense of frustration. As a consumer, it feels profoundly unfair to be left without clarity or resolution, especially when Ive done everything within my power to demonstrate the errors that have been made. I believe that if even one person within these entities had truly done their job, my situation would have been resolved long ago.

Instead, Ive been left feeling railroaded and voiceless, with my concerns falling on deaf ears. Despite expressing the errors and their impact on my life, nothing has changed. At one point, I believed my only options were to file a police report or hire a lawyer because I didnt realize there were other resources available to me. 

Im sharing this now in the hope that my experience will not only be heard but also acknowledged with the seriousness it deserves. Consumers like me deserve fair treatment, accountability, and resolutionnot an uphill battle against a system that feels impossible to navigate.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My basic issue is that a principal curtailment payment was not accounted for correctly when my loan was transferred to the new servicer. The two-month delay in between when I made the payment to Freedom ( before the transfer ) and when it was credited to my loan balance by the new servicer ( after the transfer ) has resulted in extra interest erroneously accruing during that two-month period ( and continuing to accrue, though in much smaller amounts since the principal payment was credited ). 


XX/XX/year> - I made a {$5000.00} principal payment to Freedom XX/XX/year> - mortgage statement from Freedom showing receipt of this {$5000.00} XX/XX/year> - mortgage statement from Freedom showing balance of {$700000.00} XX/XX/year> - welcome letter and mortgage statement from new servicer ( XXXX ) showing balance of {$710000.00} ( thus not accounting for {$5000.00} payment ) XX/XX/year> - servicing officially transferred to XXXX XX/XX/year> - mortgage statement from XXXX showing receipt of the {$5000.00} ( presumably from Freedom ) on XX/XX/year> So when I made my regular XXXX payment to XXXX XXXX before XXXX XXXX the {$5000.00} principal payment, XXXX applied the payment relatively more to interest due to the higher principal balance it had on its records. I think XXXX did this correctly based on the information it had at the time. But the principal balance of the loan on XXXX 's books was not the actual principal balance of the loan. 


I spent much time on the phone and with emails with both Freedom and XXXX trying to find the missing {$5000.00}, and eventually somebody made a {$5000.00} principal payment to XXXX. I presume this was Freedom ; I suppose it could have been XXXX itself if it was XXXX that made mistake and found the money somewhere, but based on the relative amount of concern and level of customer service I've received from each, I'm betting the error was Freedom 's. Freedom 's latest response to me is basically, it's not our problem anymore, contact XXXX. No admission or denial of any error in the transfer, or -- at least in the latest correspondence -- any evidence that they understand my complaint or care to understand it. 


I feel like this should have been a relatively simple issue where someone at Freedom involved in the transfer compared the information sent to XXXX with Freedom 's own records, and said, yes, there was a discrepancy, let me fix it. And that may have happened and resulted in the {$5000.00} payment to XXXX. But I have not been made whole due to the extra interest accruing.

( note : there was a separate {$200.00} principal payment to Freedom that was also treated the same way, which I have left out of above for the sake of simplicity )

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XX/XX/year> I bought a car and financed thru Credit Acceptance. The car was {$23000.00} and with interest it was {$43000.00}. I knew the interest would be a little higher, but I think paying almost double for the car is highway robbery. I still owe close to {$8000.00} and wanted to see about getting that down. I paid over {$35000.00} already.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am requesting an investigation into these accounts, as there appears to be a discrepancy concerning their accuracy on my credit report. These accounts were removed previously but have been re-added without my knowledge. I was not notified about their reinstatement, nor have I received any communication about this through the mail.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am disputing the reinstatement of a collection on my credit report. I contacted XXXX XXXX to request proof validating this debt, including documentation of my signature and lease information. Despite my efforts, they have not provided any supporting evidence or details. 

Without verification, I have no knowledge of the specific dates or amounts they claim I owe. This unresolved matter is inaccurate and is causing significant financial stress. The presence of this collection on my credit report is creating a financial burden and affecting my ability to manage my obligations. 

I am requesting the removal of this collection from my credit report due to the lack of verification provided by the creditor, as required by law. I ask that this matter be reviewed promptly and the account be removed to ensure the accuracy of 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 non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I paid my XXXX XXXX bill in full & then left the state for the holidays. 

When I returned, I had bills from XXXX XXXX, which didnt make sense, as I had paid them in full. 

However, I paid a day late, I simply got my dates mixed up. I did not think this would be a problem, as they could clearly see that my intent was to pay in full & be done with them. 

I reached out to them with the expectation that they would remove the XXXX completely unethical late fees that that have billed me since. 

But no, they will only refund me XXXX of the XXXX late fees, which I find completely unacceptable. I should never have been charged anything. I cant understand how they can bill me endless late fees, when I dont owe them a XXXX more for what I had already purchased. 

I think they are being unthinkably ghoulish at a time that many of us are barely getting by & I cant understand why they would take this hideous position with their own customer. 

When did we let late fees become whips that truly makes it impossible for people to climb out of financial difficulties like 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 monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Sent multiple amounts of money through zelle prior to initial warning about who to send and receive money to and from that was lost in transaction or never received

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: OK

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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to express my concerns about how Zelle handles disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. One instance that stands out is when my father attempted to send money to another family member through Zelle, and we encountered numerous problems. Despite reporting these issues, neither my financial institution nor Zelle conducted a proper investigation. They informed me that recovering the lost funds was impossible and tracking the transactions was impractical. The CFPBs findings reveal that Zelle has not only failed 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 deeply troubling and raises serious concerns about consumer safety.

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: NC

Complaint narrative:
NFCU continue to process charges, charging me late fees and then transferring the funds from my credit card or line of credit to pay for late fees and the charges.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
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: NC

Complaint narrative:
Between XXXX Navy federal was charging my debit card to go through with insufficient funds and charging me overdraft fees and charged more fees when using other money services.

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: 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 investigation 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 and accepting unreliable responses and failing to adequately notify consumer of disputed outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the the evidence I have provided causing ongoing harm to my credit standing.Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experian 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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
We purchased this vehicle around XXXXXXXX XXXX it's a XXXX XXXX XXXX at a local dealership in XXXX XXXX. Our credit wasn't very good and the dealership was able to get us approved but they never told us about the finance company and Interest rates until we got to the dealership and signed the contract. We've been doing well up until 3 months ago due to lack of employment on my part and my girlfriend has to pay for everything like rent and food and utilities and gas, etc. The finance company is Credit Acceptance Corporation and for the last few months they have been constantly calling us none stop all times of the day and weekend. I've told them on several occasions to cease with the phone calls but they constantly still call any way. We tell them about our situation and that we'll pay what we can when we can but they still call. Our interest rate is so high that it doesn't seem like I've been paying anything. Clearly we're in an upside down loan and we've put in too much money on this car since we bought it in XX/XX/year>. I would like for the harassing phone calls to stop and I would like to get out from under this terrible car loan.

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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
i was sold a lemon car that i returned, i tried to get it rectified and wasnt offer a proper solution debt was then sent to collection

Company response to consumer: Closed with explanation