vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 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 alignment with the recent CFPB findings against Navy Federal for similar practices where transactions settle with insufficient balance despite initial available funds. I request a investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
An item that has resulted from fraud which I never benefitted from still appears on my report and you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's XXXX me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.

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: IL

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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am concerned about how Zelle handles disputes especially in light of the recent CFPB lawsuit highlight issues with the service. Several of my claims have not been adequately investigated by Zelle or my financial institution. They informed me that recovering the funds was impossible and that tracking those transactions was not feasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offender to exploit the system, leaving users such as myself, vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
Interest rate is high Ive had the Loan with XXXX XXXX since XX/XX/year> and still paying same amount

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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : XXXXormal Complaint Against Equifax Information Services for Failing to Update or Correct Inaccurate Information Dear CFPB Representative, I am writing to file a formal complaint against Equifax Information Services for failing to update and correct inaccurate information on my credit report, despite my repeated attempts to resolve the matter and my compliance with the requirements of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681.

Issue Summary : On XX/XX/year> ], I identified inaccuracies in my credit report as provided by Equifax. The inaccuracies pertain to XXXX credit card, the specific issue, including inaccurate balance, Utilization reported incorrectly, etc. ]. I promptly submitted disputes to Equifax and included supporting documentation to substantiate my claims, such as [ e.g., payment records, card statements Despite this, Equifax has failed to : Conduct a reasonable investigation into my dispute as required under 15 U.S.C. 1681i.

Update my credit report to reflect the accurate information.

Details of Violation : Equifax 's continued failure to update my credit report violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to investigate disputed information within 30 days and correct any inaccurate information. Despite this legal timeframe, my credit report remains incorrect, even though I have provided ample supporting documentation.

Impact on Me : This inaccuracy has negatively affected my creditworthiness, potentially hindering my ability to access credit or obtain favorable interest rates. Moreover, the undue stress and inconvenience of repeatedly disputing the same issue are unacceptable.

Resolution Requested : I request that Equifax : Immediately correct or modify inaccurate information on my credit report.

Provide written confirmation that the inaccuracies have been resolved. compliance with the FCRA to prevent similar issues in the future.

I kindly ask the CFPB to investigate this matter and take appropriate action to hold Equifax accountable for failing to fulfill its legal obligations. Enclosed with this letter are copies of the following supporting documents : My credit report highlighting the inaccuracies Supporting evidence Credit Card Statement and a screenshot of my credit card showing a {$0.00} Balance with a {$200.00} credit balance I appreciate your attention to this matter and look forward to a timely resolution. 
Sincerely,

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:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The 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 disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as Experian 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 2025-01-16 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding the lawsuit of how Zelle was found to have had issues with protecting consumers from possible scams or lost of funds based on the recent findings of CFPB. Despite using Zelle on numerous time and reporting discrepancies, my bank took no action to properly investigate any claims that may have been made.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Sales handling of disputes, particularly in the recent CFPB lawsuit, highlighted significant issues with the platform. Despite using Zelle numerous Times and reporting discrepancies my financial situation and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds was impossible that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect customers, but also allow repeat offenders, exploited the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns to 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling disputes. Particularly in light of recent CFBP 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 CFBP 's finding indicates 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 lacks of accountability and transparency is unacceptable and raises serious concern about consumers 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 — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple fees I have incurred. The transactions were unauthorized my account was hacked, 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 account problems I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding closed collections accounts that continues to appear on my credit report. The details of my complaint are attached to this letter on the next page. Under the Fair Credit Reporting Act ( FCRA ), I believe that the continued reporting of these closed collections accounts are inaccurate and unjustly affecting my credit score and financial standing. This has had a great impact on my life in trying to move forward and better my family as a military dependent. Despite my efforts to resolve this issue with the credit bureau and the collection agencies, the accounts remain on my credit report.

Enclosed with this letter are copies of my identification, a copy of my credit report highlighting the closed collections account, and any correspondence related to my dispute with the credit bureau and the collection agency. 
I request that the CFPB investigate this matter and assist in having the closed collections accounts removed 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: 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding closed collections accounts that continues to appear on my credit report. The details of my complaint are attached to this letter on the next page. Under the Fair Credit Reporting Act ( FCRA ), I believe that the continued reporting of these closed collections accounts are inaccurate and unjustly affecting my credit score and financial standing. This has had a great impact on my life in trying to move forward and better my family as a military dependent. Despite my efforts to resolve this issue with the credit bureau and the collection agencies, the accounts remain on my credit report. 
Enclosed with this letter are copies of my identification, a copy of my credit report highlighting the closed collections account, and any correspondence related to my dispute with the credit bureau and the collection agency. 
I request that the CFPB investigate this matter and assist in having the closed collections accounts removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicing Solutions, LLC
State: OH

Complaint narrative:
For your sake, I would not take anymore action against my credit. I told you that I was contacting the Attorney General 's office. You should have just communicated with me instead of just closing my account. I have no reason to rush to your sense of urgency and unfair interest raising. I would caution no further action so that you will have less liability from them. You will hear from me once I've heard from them. NOTHING OVER {$2500.00} WILL EVER BE PAID. HEADS UP! I've been ready to pay my bill monthly since XXXX. You made it impossible for me to pay it. No one has confirmed or denied that Servicing Solutions is real or not. I'm still getting emails labeled spam, dangerous suspicious in my XXXX. I will not rush this. If you had waited or communicated, the credit card would be paid off by now. It makes no sense for me to pay extra because of your impatience.

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: Texas Guaranteed
State: TX

Complaint narrative:
I am filing a formal complaint against Trellis Company regarding inaccurate reporting and unauthorized debt collection. Trellis has engaged in debt collection practices without my consent, including making payments on my behalf without prior notice or authorization. I was not provided with documentation validating this debt. Trellis has inaccurately reported my account ( TRELLIS COMPANY XXXXXXXX ), including inconsistent information and re-aging the account to extend its presence on my credit report. In XX/XX/year>, the account was reported as 30 days late, but the following month, it was reported as a charge-off. This is a violation of the Fair Credit Reporting Act ( FCRA ), as an account can not be charged off until it has been 120 days late. This is harming my creditworthiness. I request the immediate deletion of this account due to the inaccuracies. If this issue is not resolved, I will seek legal action under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Dear Collection Agency, I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without " Proper Validation and Proof Of Claim ''. As per the Fair Debt Collection Practices Act ( FDCPA ), 1 am formally requesting comprehensive validation of the alleged debt. legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Provide a detailed verification by line item, including information on the purchase date, Itemized amounts, receipt or goods, and any relevant detalls directly trom the Original Creditor. Date of Last Activity. 3. Full, accurate social security number that may help to identify me as the correct person you are tryine to collect from. 4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. the obligation between your company and me that autorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identitication card ) presented at the time of incurring the debt 6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX ) - information relating to the purchase or a bad debt is not proprietary or burdensome. 7. Any other pertinent information regarding the creation of the debt by your collection agency like a. Where the debt originated from. 2. The sum paid by the bad debt buver for thei plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection debt. Also provide a 1099.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Im 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. I use Zelle biweekly and would hate to know that I was not protected.

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, more specifically in light of the recent CFPB lawsuit which highlighted significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my bank and Zelle have failed to investigate my claims adequately. They have claimed that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding show that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving us the users vulnerable to scams. The lack of accountability and transparency is very 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXXXXXX

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