vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS NEED TO BE REMOVED 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 non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: MI

Complaint narrative:
I am writing to formally express my concerns for Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple 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 CFPBs 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I haven't had a free XXXX XXXX in 2 years from my 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX, Transunion, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible.

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 2025-01-15 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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'm 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 were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect its 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 2025-01-15 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: IN

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 2025-01-15 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: LA

Complaint narrative:
Experian has definitely failed to fulfill legal application under the fair credit reporting act to conduct a reasonable and reinvestigation dispute for any information that is inaccurate.The consumer financial protection bureau has found a lawsuit against experiment. Alleging issues such as failing to forward consumer provided evidence accepting unreliable responses and failing to notify the consumer of the dispute outcome.

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 2025-01-15 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 compliant 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 practice 's 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 2025-01-15 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: Early Warning Services, LLC
State: NY

Complaint narrative:
In summer XXXX  I sent {$90.00} over Zelle to an account that I thought was my friends. It was not, I was not given the Zelle warning prompt to verify that user and have not since gotten my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experience with experian giving incorrect information and not deleting or investigating my 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 explanation
Consumer complaint received 2025-01-15 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: Klarna AB
State: ID

Complaint narrative:
Refund not completed by Klarna for my return of XXXX product ( dresses ) to XXXX. 

Both dresses were purchased on XXXX XXXX in one XXXX order XXXX. Total order was {$270.00}. One dress was {$130.00} and the second dress was {$120.00}. + tax {$15.00}. 
Klarna recorded this order as two purchases from XXXX on XXXX XX/XX/year> : First purchase {$140.00} second purchase {$120.00} XXXX returned the first dress to XXXX in XXXX on XXXX XXXX and was refunded {$140.00} back to my Klarna XXXX ending in XXXX. Klarna refunded me {$140.00} in the XXXX statement. Then they added {$17.00} back as a charge. I attached the receipt from XXXX for the full refund of {$140.00}. sent the receipt proof to Klarna. 

I returned the second dress via returned XXXX label provided by XXXX tracking XXXX. XXXX received the package on XXXX XXXX and confirmed return on XXXX XXXX. Klarna sent me email confirming the return of {$120.00}. Then they showed that they added a {$17.00} charge back on. However, this {$120.00} was never added back on the Klarna visa ending in XXXX I chatted with Klarna Customer Service several times and attached all records and sent them to Klarna for investigation. Their response was that they refunded, There are no records of the refund. Today, my Klarna account shows the following : Note the {$120.00} is still pending and the {$17.00} that was added back to the {$140.00} still shows,. Attached are the records that I sent to Klarna and I am attaching here. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
When the deposit is available early in your account and payments are coming through they are going to either charge you fees or returned if it not money in your account when they see it is a deposit pending in your account. Even if you ask to release the early pending deposit they still will charge you a fee for a overdraft or return fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Entered into a payment agreement with the debt buyer and not original debtor, paid certain amount and did not continue in which a garnishment was issued by the debt collector. Stipulation from the court was satisfied, company still haven't removed from my credit or closed the account, stating additional fees are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: AE

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX  XXXX XXXX XXXX, XXXX and also XXXX XXXX XXXX XXXX on XX/XX/XXXX, a XXXX on XXXX XXXX, XXXX, XXXX XXXX  on XXXX XXXX, XXXX, XXXX XXXX on XXXX. XXXX, XXXX XXXX  on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Personal loan account opened at XXXX  XXXX On XXXX XXXX, XXXX And a collections account opened at XXXX XXXX XXXX XXXX with a balance of $ {$1900.00} that appears related to the aforementioned personal loan account opened XXXX XXXX Also an collection account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears related to XXXX XXXX with a balance of {$420.00} Also an collection account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears to be associated with XXXX XXXX XXXXXXXX XXXX XXXX And other accounts XXXX opened on XXXX XXXX, XXXX XXXX opened on XXXX XXXX, XXXX with a balance of {$4400.00} XXXX opened on XXXX XXXX, XXXX with a balance of {$72.00} And all Hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Date of BirthXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX  U.S.C. XXXX  ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX  XXXX XXXX XXXX, XXXX and also XXXX XXXX XXXX XXXX on XX/XX/XXXX, a XXXXXXXX on XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX. XXXX, XXXXXXXX XXXX  on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX account opened at XXXX  XXXX XXXX XXXX XXXX, XXXX And a XXXX account opened at XXXX XXXX XXXX XXXX XXXX XXXX balance of $ {$1900.00} that appears related to the aforementioned personal loan account opened atXXXXXXXX XXXX Also an XXXX account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX that appears related to XXXX XXXX with a balance of {$420.00} Also an XXXX account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears to be associated with XXXX XXXX XXXXXXXX XXXX XXXX And other accounts XXXX opened on XXXX XXXX, XXXX XXXX opened on XXXX XXXX, XXXX with a balance of {$4400.00} XXXX opened on XXXX XXXX, XXXX with a balance of {$72.00} And all Hard inquires

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 2025-01-15 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 fulfill 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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-01-15 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: WA

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 again Navy Federal Credit Union 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 2025-01-15 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 bank Navy Federal charged illegal overdraft fees to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and 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 2025-01-15 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: MI

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 infeasible. The CFPBs 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 consumers safety.

Company response to consumer: Closed with explanation