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: TX

Complaint narrative:
Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic failures, including not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. My experience aligns with these allegations. Despite the evidence I provided, Experian has neither corrected nor removed the disputed items, which continues to harm my credit standing. I am requesting immediate corrective action to amend or remove these accounts, as Experians inaction violates federal law and infringes on my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
I am writing to file a complaint against Navy Federal credit Union here regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized I was charged Fees due to lag posting of charges and credits this issue aligns with the recent CFPB findings against XXXX XXXX for similar XXXX where transaction is 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: TX

Complaint narrative:
I went on a vacation to XXXX  XXXX XXXX and XXXX in XXXX XXXX XXXX XXXX While I was there, I charged a couples massage to my hotel room on XX/XX/year> for {$300.00} USD. On XX/XX/year>, we charged a romantic dinner to our hotel room for {$230.00}. Upon checkout, I was provided with a receipt showing the XXXX charges in XXXX XXXX  which was XXXX XXXX XXXX  and I was told that was around {$500.00} which aligned with the {$530.00} I had authorized. The hotel employee working the front desk incorrectly charged me in USD ( US Dollars ) instead of XXXX XXXX. So I was charged {$10000.00} USD instead of the {$530.00} that I owed. I disputed that transaction as soon as it posted to my credit card on XX/XX/year>. That same day I called the hotel. I have been in almost daily contact with both the credit card company and hotel regarding my dispute and the hotel hasn't corrected the charge and the credit card company keeps finding us responsible despite the mounting evidence. The credit card company has never tried to contact the hotel directly.

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: 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: OH

Complaint narrative:
Experian failed to remove inaccurate accounts on my report I have disputed

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: GA

Complaint narrative:
I am writing in reference to your negative items being reported on my credit report regarding an alleged debt I owe to collection agencies as shown on documents attached.There has been a violation of my privacy rights under 15 U.S.C. 6802. Under this law, financial institutions are prohibited from disclosing nonpublic personal information about consumers to a nonaffiliated third parties without their consent unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise.And according to FCRA section 605B as well it is illegal to report without my permission. These items are affecting me from obtaining credit.Please remove negative items as soon as possible.I have the right to to make sure my private information isn't shared

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC bought a charged off account from XXXX XXXX XXXX  and contacted me and offered me to " pay to delete '' the account. I paid it and the account was never deleted, Portfolio Recovery Associates stated that XXXX XXXX XXXX  did not update the information with XXXX Credit Bureau and so they do not have the ownership necessary to delete it, the previous owner of the account XXXX XXXX XXXX stated that there is nothing they can do about it. 
Portfolio Recovery Associates provided me a letter stating that the debit is pad and the account should be deleted. 
I submitted this letter to the XXXX credit bureau and they deleted the account in two days. 
Please find the letter attached

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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX bought a charged off account from ALLY CREDIT CARD and contacted me and offered me to " pay to delete '' the account. I paid it and the account was never deleted, XXXX XXXX XXXX stated that ALLY CREDIT CARD did not update the information with XXXX Credit Bureau and so they do not have the ownership necessary to delete it, the previous owner of the account ALLY CREDIT CARD stated that there is nothing they can do about it. 
XXXX XXXX XXXX provided me a letter stating that the debit is pad and the account should be deleted. 
I submitted this letter to the XXXX credit bureau and they deleted the account in two days. 
Please find the letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
Last year they collected my tax return in the amount XXXX dollars, i do not recall about this medical bill at all and they never verified the medical bills for whicth services detailing what procedure that i did there.I never signed any paper to share my last 4 number of my social security. I enclosed the nitice of hearing for next month, i did not go to the hearing of last year because I did not recall this medical bill at all

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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 dispite 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: 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 Credit 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: WA

Complaint narrative:
Writing to formally express my concern regarding Zelles handling of disputes particular light of the recent cfpb lawsuit highlighting significant issues with the platform. Dispute using Zelle multiple times and reporting discrepancies, Zelle and my financial institution failed investigate my claims adequately. They explained recovering lost funds was impossible and tracking these transactions wasnt feasible. The cfpb finds shows Zelle neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving users vulanerble to scams. The lack of accountability and transparency is unacceptable and raises serious concern 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: FL

Complaint narrative:
Zelle wouldnt allow any transfers to come through or go through kept calling and they claimed the issue was fixed which it never was constant problems for months

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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: 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 which also resulted in my account being closed. 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: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
When I make purchases the charges pend on my accounts for days, and my still allows me to make purchases and transactions without taking the money from pending transactions which puts my accounts in the negatives. This happens with my checking account as well as my credit card account. The bank told me on their end the money has been taken out, but in all actuality it hasnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TX

Complaint narrative:
Im wanting to express concerns regarding XXXX handeling of disputes, particularly in light of cfpb lawsuit highlighting major issues with the platform despite using Zelle many times and reporting discrepancies my financial institution and Zelle failed to investigate my claims properly they informed me that recovering my funds was impossible and tracking the transactions was infeasible. Cfpb findings indicate that zelle not only neglected to protect me as a consumer but also allowed repeat offenders to exploit the system leaving me susceptible to scams. This has raised 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 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: NY

Complaint narrative:
I am writing to formally raise my concerns about XXXX handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and promptly reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. 
The findings from the CFPB indicate that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit its 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Sent money through XXXX, it was sent mistakenly to the wrong account. I noticed immediately and called Chase to inform them Was told there was nothing they could do.

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: MD

Complaint narrative:
The details of the situation are as follows : Date of Incident : XX/XX/XXXX Incorrect Amount : XXXX Correct Amount : XXXX On XX/XX/XXXX, I noticed an unexpected charge or adjustment on my account. I immediately contacted customer support on XX/XX/XXXX to inquire about the discrepancy. I was informed that it would be removed and I should it updated on my next billing cycle. 

However, despite assurances, the incorrect amount is still reflected on my account as of XXXX per our conversation, I was advised adjustments would be made to my account.

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: CA

Complaint narrative:
I am writing to formally address my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit, which has brought significant issues with the platform to light. Despite being a frequent user of Zelle and reporting transaction discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was impractical. The CFPB 's findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: PNC Bank N.A.
State: TX

Complaint narrative:
I found out through social media that XXXX was improperly using my information. Ive had fraud on mg account less than XXXX weeks ago, and decided to trust zelle to transfer back and forth through accounts to have some money to use. I do not consent of my information being used by 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, Capital One, XXXX, XXXX Accounts, I disputed with the XXXX, XXXX XXXX and XXXX and they never fix the problem.

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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Accounts, I disputed with the XXXX, XXXX XXXX and XXXX and they never fix the problem.

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

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 CFPB findings against XXXX XXXX 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