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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I led 2 separate police reports. These are the report numbers ; XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. I did not give any authority to anyone. I do not recognize them. They are being reported by a third party. There are several collections on all 3 of my credit profiles. I filed an identity theft report and asked each credit bureau to remove the information. They did not. Please remove these accounts from my report. They are hurting my ability to obtain credit.

There is also wrong information regarding where I live on all 3 of my credit reports. Please remove the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. My residence needs to be listed which is XXXX XXXX XXXX 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I was scammed through Zelle when sending money to an unknown person. When I tried to contact zelle to stop it immediately after, they told me that nothing could be done and I lost {$860.00}

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: KS

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX RE : Fraudulently Obtaining Consumer Credit Reporting Information To Whom this notice may concern, You are in violation of Credit Reporting act 15 USC 1681 ( b ) for unlawfully obtaining my XXXX, Experian, XXXX and XXXX XXXX XXXX XXXX consumer report without my authorization and permissible purpose under the Fair Credit Reporting Act. 
As a result of you unlawfully obtaining my consumer report without my permission, you are liable to actual damage or statutory damage for up to {$1000.00} in punitive damages. I am willing to settle this matter without admitted liability. Cease and desist on obtaining copies of my consumer report from consumer reporting agencies and pay me {$1000.00} in punitive damages and deliver it to my address above within the next 14 days of receiving this demand. 
Please be advised that I am prepared to place a commercial lien on your company if you refuse to comply with this demand.

At the time of received payment this letter will become a general release of all claims herein. 

Kind regards,

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Well my cash app account was closed with my tax refund payment from the IRS I had no idea that my cash app account was closed for some reason the representative said I'm linked to some sort of violation of their policy which I have no idea about have not been in my classroom for a very long time since XXXX XXXX I have provided it every piece of anything to prove it because multiple documents of my daughter education please text papers and amounts and everything else instead of me access to my account I forgot my and what it is associated with psychiatrist employment or I no longer have I moved a long time ago they're not trying to update my information

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: IL

Complaint narrative:
It was several charges I can't see because they close my checking but I still have a saving but it was just outrageous overdraft charges applied to my account Wich made the close my checking

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have been trying to open up a Navy Federal Account for the past 4 years. Come to find out, they are stating that I had an account that has been closed since XXXX due to fees from XXXX. There was charge for {$500.00} and there is a late fee charge for {$80.00}. I've been calling and going into branches asking for statements, records of charges, store information and was told they could not provide me with any information and told me to submit a fraudulent claim affidavit through fax. I sent faxes for the past 2 years based on the numbers that were given to me from the represenatives and all of the faxes were shown to be unsuccessful. I called Navy Federal once again on XX/XX/XXXX and asked for a resolution and was told once again what can be done and was told that the fax numbers are not working, but there was no indication or messages on their website stating that faxes were not working. There are not able to prove that this was a charge by myself and provide any information and continue to tell me in order to open an account, this balance from 10 years ago that they can not verify on their end has to be paid. The representative stated she will have a supervisior reach out to me and this attempt was never completed.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against RECEIVABLES MANAGEMENT regarding their failure to comply with my request for supporting documents to validate that an alleged debt belongs to me. I have encountered great financial hardship as a result of their actions, and I believe my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

I first requested verification of the debt in question from RECEIVABLES MANAGEMENT, as is my right under the FCRA, but they have failed to provide the requested documentation proving that this account is mine. Under Section 609 of the FCRA, I am entitled to receive proper verification and documentation that links the debt to me, which they have failed to provide. This failure has caused undue financial strain, and the account remains inaccurately reported under my name.

Further, RECEIVABLES MANAGEMENT has not identified this alleged debt appropriately, which violates the Fair Debt Collection Practices Act. I have not received any clear and detailed explanation of the debt, nor have I been provided with the proper supporting documentation to substantiate the claim that it belongs to me.

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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
CHASE bank failed to disclose warnings to me prior to transferring money via XXXX

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 service problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally address my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights systemic issues within the platform. As a long-time Zelle user , I have encountered multiple instances of unauthorized transactions, all of which were promptly reported to both Zelle and my financial institution. Despite providing detailed evidence, including transaction IDs, timestamps, and communication records, my claims were dismissed without a thorough investigation. I was repeatedly informed that recovering lost funds was not possible and that tracking these transactions was unfeasible, leaving me with no recourse.

Furthermore, I have noticed a pattern of fraudulent activity linked to my account, suggesting that Zelles security measures are inadequate in preventing repeat offenders. The CFPBs findings reveal a troubling lack of safeguards, allowing scammers to exploit vulnerabilities within the system while placing the burden of loss entirely on consumers.

Adding to my frustration, customer service provided inconsistent and often contradictory information regarding their policies and procedures, further eroding my confidence in Zelle as a reliable payment platform. This lack of accountability, transparency, and consumer protection not only undermines trust but also raises serious concerns about Zelles commitment to user safety.

I urge Zelle and its partner financial institutions to prioritize consumer protection by implementing stronger fraud detection mechanisms, providing clear dispute resolution procedures, and ensuring transparency in their operations. Without these improvements, Zelle risks losing the trust of its users and facing further regulatory scrutiny.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXX/XX/XXXX Personal Information Also Known As : 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A 30-day late payment is inaccurately reported for XX/XX/XXXX across XXXX, Experian, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record.

3. Inconsistent Reporting : Experian and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA.

Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXXXXXX XXXX  Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A 30-day late payment is inaccurately reported for XX/XX/XXXX across XXXX, Experian, and XXXX. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record.

3. Inconsistent Reporting : Experian and XXXX fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
4. Failure to Update Information : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement. 

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA.

Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have encountered several issues with XXXX bank 's handling of disputes, which have been consistently unsatisfactory. For example : XXXX. I filed a dispute regarding receiving the wrong XXXX printer with missing parts, but the bank took no action to resolve it. 
XXXX. I disputed receiving defective batteries from XXXX. XXXX instructed me to keep the batteries and credited my account, but again, the bank failed to address the issue. 
XXXX. I also filed a dispute about receiving a purse that did not match the product description. XXXX supervisor told me to keep or discard the item and still charged my account. Despite disputing this charge, the bank did nothing. 

It seems the bank is unwilling to perform its duties unless pressured, and I frequently have to follow up because they often input information incorrectly. This lack of efficiency and accountability is extremely frustrating and unacceptable.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief