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: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: VA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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

Complaint narrative:
I am writing to file a claim against Navy Federal Credit Union regarding multiple overdraft fees I have incurred that caused my account to be closed. 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Sent money to the wrong person utilizing XXXX via my bank PNC. Filed a dispute for the funds twice and was denied both times to get my funds back since I used XXXX.

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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Columbia Debt Recovery dba Genesis XXXX XXXX XXXX XXXX Wa XXXX placed a collections debt on my XXXX XXXX Credit Bureau account on XX/XX/XXXXXXXX XXXX XXXX  saying i owed a debt of {$370.00} for an XXXX XXXX XXXX XXXX XXXX They never sent any information prior to that to me. They send me a debt collection back in XXXXXXXX XXXX XXXX  for a different XXXX XXXX and required me to send them all of my paperwork ( FTC, police reports etc ) to verify I am a victim of identity theft. They cleared that debt. I called them on this one and they said they had nothing showing that they did this and said I am in their system as a victim of ID theft. I wrote them a message with the screen shot of my XXXX report showing they filed the debt and that they needed to provide me with documentation of this and why since they know i never lived in Texas and they have me as a fraud victim that they would do this. They sent a letter just received last week that i need to provide them again with all of this information. They police will not take a report since this is from XXXX. I filed it in my FTC file. This place is shady and wrongly attacking my credit without cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I put in a dispute claim for some unauthorized transactions that occurred over the XXXX XXXX XXXX. I was not alerted of the activity thru the fraud department of the bank ( Chime : XXXX XXXX XXXX ). To my knowledge, there is no actually no fraud security system in place to prevent consumers from being subjected to fraudulent purchases. If I was to receive fraud alerts I could have been more proactive behind the matters. I am being held responsible for unauthorized transactions that occurred over the XXXX while my luggage was lost and stolen in route XXXX XXXX XXXX. No email, no alerts, no protection in place to assure I was the only one authorizing purchases. It has cost me a great deal of money of time due to this. Transactions totaling an amount of {$730.00}. After doing my own research, I learned that the transactions were a purchase of a streaming service, which requires nothing for you to have the debit or credit card information in order to sign up. No identification needed to approve purchase. The other was a purchase made in a grocery store for over {$650.00}. Another purchase that doesnt require a pin nor ID with using it. I do not believe Chime ( XXXX XXXX XXXX ) is considering their consumers if they dont have preventative systems in place for things such as fraud.

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: LA

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 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My Citi card offers a flex pay plan where you can take certain purchases and move them into the flex plan. I made a purchase online from XXXX XXXX and moved it into the flex plan immediately, thinking I was going to keep the purchase. I found a better deal and canceled the order. I verified via phone with both XXXX XXXX and Citi that the item was credited back to my card and that Citi would reverse the flex plan. I pay my bills every month without question. Huge mistake because I noticed after the fact that I was still paying on the flex plan that was supposed to have been canceled. We spoke to Citi and had them rise the inquiry up to management level. They are telling us that we actually weren't charged and the we weren't paying on the flex plan at all. We have our statements and payment records with the bank that show we did pay monthly on the flex plan that supposedly was credited when the return happened. Citi insists that these charges never occurred. My payments and statements show otherwise. I don't know what they are looking at on their end but they should at least have access to our payment and statement info. This is extremely frustrating. We, like millions of other people struggle month to month. When we buy anything of significance it is a thought out decision. We shouldn't have to pay for something we never bought. I am contemplating legal means but thought it prudent to start here.

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 2025-01-16 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: NJ

Complaint narrative:
I am writing to formally express my deep concerns regarding the handling of disputes on the Zelle platform, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that has brought to light serious issues related to consumer protection, accountability, and the safeguarding of funds. 

As a frequent user of Zelle, I have encountered discrepancies and issues with several transactions and have reported these concerns to both my financial institution and Zelle. However, despite my repeated efforts, my claims have not been adequately investigated, and I have been informed by both parties that the recovery of lost funds is impossible and that tracking these transactions is unfeasible. 

The findings in the CFPB lawsuit are particularly troubling, as they indicate that Zelle has failed to implement sufficient measures to protect consumers from fraud and abuse. Furthermore, the lawsuit highlights that repeat offenders are able to exploit the system, leaving users like myself vulnerable to scams and financial losses. This is a clear indication of a lack of oversight, transparency, and accountability on the platform. 

As a consumer, I find this situation deeply concerning. Not only does it call into question the security of the platform, but it also undermines the trust that users should be able to place in Zelle and the financial institutions that offer its services. The inability to track or recover funds for legitimate disputes is unacceptable, and it raises serious questions about the overall consumer protection policies in place. 

I am requesting a full and thorough review of my case, as well as clarification on the steps Zelle and its partner financial institutions are taking to address these systemic issues. Furthermore, I would appreciate an explanation of the actions being implemented to ensure that consumer funds are protected from fraud and that users have access to a fair and transparent dispute resolution process. 

I trust that you will take these concerns seriously and look forward to your prompt response outlining the measures being taken to resolve these issues. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC XX/XX/year> {$1400.00} I have never opened an account with this company. I have disputed numerous of time and they wont remove it. I wont being paying this due to not being the owner of this account and it being a fraudulently open by this credit company.

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 regarding zelles handling of disputes particularly in light of the of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting few discrepancies, my financial institution and zelle failed to properly investigate my claims properly. I was informed that recovering lost funds was impossible and tracking them was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers bur has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability & 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of XXXX XXXX my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX BMG XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX I Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent. To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am refiling my complaint to EQUIFAX regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA.

Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Removal of Account from Credit Reports.

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report that violate my consumer rights under federal law. Despite my efforts to dispute the information directly with the credit reporting agencies, the inaccuracies remain unresolved, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

The specific issue in question involves the inaccurate reporting of an account that I have disputed, yet it continues to appear on my credit report without proper verification. I have contacted the relevant credit reporting agencies, but the disputed item has not been removed or corrected. This failure to address the inaccuracy is a direct violation of my rights as a consumer under 15 USC 1637b, which mandates that creditors and credit reporting agencies provide accurate and timely information to consumers.

Under 15 USC 1637b, creditors and credit reporting agencies are required to ensure that the information they report is accurate and reflects the true state of a consumer 's credit history. This law protects consumers from being harmed by the presence of unverifiable or inaccurate information on their credit reports, which can negatively impact their ability to secure credit, loans, or other financial services. 

The continued presence of this inaccurate information on my credit report is causing significant harm to my financial well-being, as it is negatively affecting my credit score and making it more difficult for me to obtain credit at favorable terms. I am requesting that the CFPB intervene in this matter to help ensure that my consumer rights are upheld and that this inaccurate information is removed from my credit report in accordance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely,

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