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

Complaint narrative:
I am not liable for this debt of {$170.00} with XXXX XXXX Account # XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$860.00} with XXXX XXXX XXXX  Account # XXXX This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$88.00} with XXXX Account XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
I was scammed while trying to purchase event tickets through Zelle. I saw the person twice because they told me that they wanted to receive the full amount before they could send me the tickets.I made the payment to a seller who turned out to be fraudulent, and I did not receive the tickets I paid for. I immediately contacted my bank to request a cancellation and refund of the transaction, but they denied my request, l because Zelle transactions are irreversible.

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: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company ask you to apply for a Credit card only to deny you of youralready approved credit via government. Our Credit application is a formality for the business. We shouldreview the application again and approve it. XX/XX/1925, A Credit Card Application for {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to request that you validate the debt that you claim I owe. I request that you provide me with the following information as part of your validation process : Proof of the debt : Please provide a detailed statement or proof showing the amount owed, the original creditor, and the full account history, including any payments made or adjustments applied. 

Proof of assignment or ownership : Since you are contacting me regarding this debt, I request that you provide a copy of the assignment contract or transfer of ownership document that shows you have been legally assigned or have purchased the rights to collect this debt. 

Details of any payments : Please provide a detailed record of any payments made on this debt and the remaining balance.

Authority to collect the debt : If you are not the original creditor, please provide documentation showing that you have the legal authority to collect the debt on behalf of the original creditor. 

As required by the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease collection efforts until the debt is properly validated. I also request that you send me the requested documentation within 30 days of receiving this letter. 

Please send all documentation to the address listed above. If you are unable to provide the requested information, I expect this matter to be considered resolved, and any further collection efforts should cease. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX BANK XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I filed for closed school discharge. I submitted all of the information that I had and I was denied financial discharge. I have also in the past been harassed by Sallie Mae and once the loan was purchased by Navient the harassment continued in the earlier years. XXXX Through the years I have been in and out of work. I was able to find employment but it was not near what I was told I could make after I graduated from XXXX XXXX XXXX. In XXXX  I was told I could make $ XXXX after graduation in the XXXX field. I could not find employment in the XXXX field. I have had different jobs through the years. I None of these jobs were in the XXXX field. I worked in different areas. The most I ever made was $ XXXX.

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: MO

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 : Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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 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 : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Subject : Opt-Out Request for Sharing Nonpublic Personal Information ( NPI ) Dear XXXX  XXXX, I am writing to formally request that my Nonpublic Personal Information ( NPI ) not be shared with any third parties, except where legally required. This request is made in accordance with my rights under federal and state privacy laws, including the XXXX XXXX ( XXXX ). 

Specifically, I opt out of sharing my NPI with the following entities, except as legally mandated : Debt XXXX Entities hired to collect on accounts. 
XXXX XXXX XXXX ( CRAs ) Such as Equifax, XXXX, and XXXX. 
Service Providers Vendors providing operational or administrative services. 
Affiliated Companies Any subsidiaries or affiliates within your corporate structure. 
XXXX Firms Agencies conducting promotional activities. 
Investors or Purchasers of Securitized Debts Entities acquiring accounts via securitization. 
XXXX or XXXX XXXX XXXX in debt-related legal matters. 
Government Agencies For purposes beyond legal mandates. 
I also want to note that I have not received the initial or annual XXXX privacy notices required under the GLBA. Please provide these notices immediately to ensure transparency regarding your data-sharing policies and practices. 

I request written confirmation that my opt-out request has been processed and assurance that my XXXX will XXXX longer be shared with third parties. If I find that my information has been improperly shared, I will take appropriate steps to protect my privacy. 

Thank you for addressing this matter promptly. I look forward to your confirmation within XXXX  days. 

Sincerely,

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: MS

Complaint narrative:
Funds were taken out of my account due to overdraft fees and funds being low. They took money out of deposits.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against navy federal credit union regarding multiple over draft 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 cfpb findings against navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair requested 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I open our account with Navy Federal in XXXX. Only reason why is because Navy Federal was not charging for overdraft in XXXX the account was closed due to overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I didnt know how to XXXX and I sent XXXX and it was sent to the wrong person XXXX Wells Fargo Bank

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle failed to investigate my claims adequately. 
They informed me that recovering lost funds was impossible.

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: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good afternoon I apply for a Chase business credit card cash when submitting the application on XX/XX/2025 I run into a small problem. They told me that they need to review my application on XX/XX/2025. They send a secure a message to me stated that they need documentation from me so I provided the IRS tax papers and two bank statements, one from Chase the other one From XXXX XXXX XXXXXXXX then I call them. Theyre telling me that my business name spelled incorrectly on the application so I ask them can the application be corrected she told me no and tell me I need to go back and reapply. I asked her why should I go back and reapply that mean you guys will be running too hard inquiries on my credit report so you guys will have two inquiries on my credit report one of them need to be Remove. I explain to her if you can not verify me or my business you do not have the right to remain on the credit report, I know I made a small mistake by spelling property wrong, but that does not justify the laws. If you can not verify someone does not mean that you have to remain on their credit report and I have to go and refill application all over again because you can not correct a mistake that I made

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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a pair of jeans using the Zelle platform through the XXXX bank app from a supposed reputable clothes reseller off XXXX. The jeans were XXXX dollars and I sent it to the number of the person who offered me the jeans. The person was able to take the XXXX and not be responsible for sending out the jeans because Zelle doesnt offer charge backs in the case of fraud since its supposed to be just like money. XXXX bank support was unable to help secure my money because it was like I had just given my cash away for free.

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 company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Consumer Financial Protection Bureau Dear CFPB, I am writing to formally file a complaint against Bank of America regarding information reported on my credit history. I have been a loyal customer of Bank of America since XXXX, maintaining various accounts, including savings accounts and credit cards. Throughout my long-standing credit history, I have never missed a payment. 

In XX/XX/XXXX, I moved from Maryland to Virginia to open a business. In XX/XX/XXXX, I checked my credit & saw a late report. This was the first notification received stating it was already on my credit report. I was not made aware of prior to the late payment being reported. They enrolled me in paperless billing without notifying me of any form of communication about a payment being due let alone overdue. 

I have disputed this negative mark with the credit bureaus ; however, my requests have been denied. Bank of America has been unable to provide any proof that they sent notifications about the overdue payment. This late payment has significantly impacted my XXXX XXXX, and I believe it is unjust, considering the lack of proper notification from the bank. Had I received an email notice that would have sufficed. 
According to the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, banks and financial institutions are legally required to notify customers of payments that are due, especially if the customer is enrolled in paperless billing. Bank of America has been unable to provide any proof that they sent notifications regarding my overdue payment, which raises concerns about their compliance with these legal obligations. 

I kindly request your assistance in investigating this matter and helping me remove this information from my credit record. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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