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: 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: MO

Complaint narrative:
Experians Noncompliance with FCRA ( 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), 1681c ( c ) ) I am filing this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding inaccurate information on my credit report. Below are the details of the actions I have taken and Experians responses : XXXX. On XX/XX/year>, I sent a dispute letter to Experian regarding inaccurate information on my credit report. I included documentation supporting my claim and requested that the information be investigated and removed if it could not be verified. 
XXXX. On XX/XX/year>, I received a response from Experian that did not include sufficient evidence to verify the accuracy of the disputed information, nor did they remove the inaccurate data. 
XXXX. On XX/XX/year>, I sent another dispute letter reiterating my concerns and requesting verification of the disputed information. Experian failed to provide any further documentation or take appropriate action to correct my report.

Amounts and Impact : The inaccurate information included balances of {$28000.00}, which are incorrectly reported as past due, charged-off, or not mine.

This has negatively affected my credit score, which dropped by 50 point after these inaccuracies were reported.

Failure to Comply with FCRA : Experian has : 1. Failed to conduct a proper investigation, in violation of 15 USC 1681i.

2. Continued to report inaccurate information without verifying its accuracy, violating 15 USC 1681e ( b ) and 1681s-2.

3. Failed to remove outdated information that should no longer appear on my credit report, as required by 15 USC 1681c ( c ).

I recently became aware of the CFPBs lawsuit against Experian for sham investigations into consumer disputes. My experience aligns with these allegations, as Experians responses to my disputes have been inadequate and dismissive, failing to correct clear errors.

Resolution Sought : I request that the CFPB investigate Experians handling of my disputes.

I request Experian conduct a proper investigation into my disputes, provide verifiable evidence supporting the disputed information, or remove the inaccuracies from my credit report. 

Thank you for addressing this issue. I trust the CFPB will take action to ensure Experian complies with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: LA

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 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 2025-01-16 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: FL

Complaint narrative:
Navy federal credit union closed my account. I had with them over 3 years.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for XXXX. These late payments were recorded for the account XXXX - XXXX on the dates XX/XX/year>. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXX - reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted EQUIFAX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.

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: EQUIFAX, INC.
State: NY

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 , 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 : Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
The first issue with XXXX XXXX XXXX  is in XX/XX/XXXX of XXXX. I got a phone call from a family member who lives XXXX hours away from me they had mail for me from XXXX XXXX courthouse. XXXX XXXX courthouse stated I had been served with papers and there was a default judgement made against me for medical debt. The first issue is I was never actually served papers, velow law lied about serving me papers to an address in XXXX XXXX in beginning of XXXX, which I have lived in XXXX XXXX Michigan since XXXX. I reached out to velow law firm requesting information regarding medical debt they claim I owe. It was all bills that should have been covered by my health insurance as I had XXXX XXXX as well as Michigan XXXX at time of service. I spoke with the hospital and cleared the situation with them, received explanation of benefit letters from my health insurance companies and received confirmation from the hospital that my account was adjusted. I sent proof of these documents to XXXX law and they still state I owe {$2000.00} and some change but will not tell me what for. I do not owe money on any of these bills! And to top that case off they filed this case in a county in which I do not live! My second issue with XXXX law is I was just served papers today on XX/XX/XXXX stating they are summoning me for {$3500.00} for trappers cove apartments. Stating they believe I live in XXXX XXXX Michigan. Mind you this was filed XX/XX/XXXX. I have been in communication with XXXX XXXX for almost a year now trying to figure out my previous case with them and have repeatedly told them my address here in XXXX XXXX, my correct address was on the papers for where the processor should serve me at, which means they knew my correct address but still proceeded to create a lawsuit in a county in where I have never lived before!! My drivers license or residential address has never once been associated with a XXXX XXXX address before. XXXX XXXX continues to lie about money I do not owe and will not provide me information regarding debt in which they say I owe. The incident from trappers cove apartments was filed back in XXXX of XXXX and was closed through the XXXX XXXX courthouse. How is this even legal for them to reopen a case that was closed XXXX years ago, thats double jeopardy? And to top it all off the staff at XXXX XXXX are extremely unprofessional and rude. Any time I try to call I do not get the answers I need, they do not respond to emails in a timely manner either. This place overall just needs to be put to a stop.

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 particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving user 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 2025-01-16 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: CT

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 and Zelle failed to investigate 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 2025-01-16 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: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Removal of Exposed Credit Information Under 15 U.S. Code 1681b Dear Sir or Madam, I am writing to formally request your assistance regarding an issue involving the unauthorized exposure and use of my credit information. My credit report has been accessed and exposed without my permission, which constitutes a violation of 15 U.S. Code 1681b, concerning permissible purposes of consumer reports.

According to this law, consumer reporting agencies may only furnish credit reports under specific permissible purposes outlined in the statute, such as with the consumer 's consent or for legitimate business needs. I did not authorize the disclosure or access to my credit information in this instance.

I respectfully request the following actions : 1. Immediate Removal of Exposed Credit Information : Please ensure that any parties who obtained my credit information unlawfully are required to remove it from their systems.

2. Investigation and Resolution : Conduct a full investigation into how my information was exposed and confirm whether the use of my report complied with legal standards.

3. Protection of My Rights : Take the necessary steps to prevent further unlawful acts regarding my credit information. 

Additionally, I would like to address discrepancies concerning XXXX entities : CAINE & WEINER : I do not own this debt and have not entered into any contract with CAINE & WEINER. This discrepancy should be removed from my credit reports immediately. 

XXXX : Similarly, I do not own this debt and have no contract with XXXX. This entry should also be removed from my credit reports immediately. 

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

Sincerely,

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: CT

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 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 2025-01-16 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging postings of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these transactions are unfair and requested 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:
I want to formally express my concerns Regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight 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 is impossible and that tracking these transactions was unfeasible. The CFBP 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo had a breach in there system that allowed our personal information whoever breached there system tried to get money out of our accounts through XXXX and other transfers leading accounts to be overdrawn we also couldnt get into our accounts we had to call because we were blocked out we had to pay overdrawn fees and more dont think thats fair

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: CNG FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Exposed Credit Information Under 15 U.S. Code 1681b Dear Sir or Madam, I am writing to formally request your assistance regarding an issue involving the unauthorized exposure and use of my credit information. My credit report has been accessed and exposed without my permission, which constitutes a violation of 15 U.S. Code 1681b, concerning permissible purposes of consumer reports.

According to this law, consumer reporting agencies may only furnish credit reports under specific permissible purposes outlined in the statute, such as with the consumer 's consent or for legitimate business needs. I did not authorize the disclosure or access to my credit information in this instance. 

I respectfully request the following actions : 1. Immediate Removal of Exposed Credit Information : Please ensure that any parties who obtained my credit information unlawfully are required to remove it from their systems.

2. Investigation and Resolution : Conduct a full investigation into how my information was exposed and confirm whether the use of my report complied with legal standards.

3. Protection of My Rights : Take the necessary steps to prevent further unlawful acts regarding my credit information.

Additionally, I would like to address discrepancies concerning XXXX entities : XXXX & XXXX : I do not own this debt and have not entered into any contract with XXXX XXXX XXXX. This discrepancy should be removed from my credit reports immediately. 

AXCSSFN/CNGO : Similarly, I do not own this debt and have no contract with AXCSSFN/CNGO. This entry should also be removed from my credit reports immediately. 

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

Sincerely,

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 am writing to file 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 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: 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:
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. The 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to report an online scam that occurred in XX/XX/year>. I purchased a pair of shoes from an individual online and sent a payment of {$5000.00} via Zelle. After I sent the money, the individual blocked me and ceased all communication. I never received the shoes or a refund. 

I contacted XXXX XXXX XXXX multiple times to resolve the issue. They initially stated they would contact the recipient, but I never received any further assistance or resolution from them.

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: TX

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 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