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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit reports n inquiries on my report foe extended periods of time

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: IL

Complaint narrative:
Someone XXXX  me money and it did not post to my account and then i spent the money that looked like it was there and then i got charged an over draft fee this has happened multiple times

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: Experian Information Solutions Inc.
State: LA

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 I 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 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have been denied on this claim/matter three times despite Wells Fargo ( WF ) having recorded the conversation between I and their bank representative. They promised reprimand of the employee who gave me bad information ( which is NOT a sufficient resolution ). 

I was trying to send money ( {$2500.00} ) to someone via XXXX. Three times, the transfer did not go through. I called the bank each time and no explanation for it not going through was given. On the fourth attempt, I had the same unsuccessful result. I called WF again. The recorded conversation between I and the WF employee was basically this : She told me that my transfers for {$2500.00} were not going through because there was a {$1000.00} limit for 1st time transfers to new recipients. So, I then transferred {$1000.00} with the intent of sending the {$1500.00} balance after the first {$1000.00} went through. Well, not only did my {$1000.00} go through but so did the {$2500.00} that the WF employee told me couldn't go through. 

This transaction ultimately resulted in the transferee absconding with my {$3500.00}. A police report was subsequently filed..

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom I make a concern, This is preposterous To know my information is being leaked out. No answers. I keep disnothing is happening to my credit report. However, I'm still building my credi, don't. 
Want to sound entitled, but I feel like I am a victim. That's becoming a Survivor. I am. 
entitled to not only removing of negative accounts. Also, some type of settlement. 
Thank you for you time.

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 overdraft fees I have incurred. Despite haven't sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligned 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 I 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: PA

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 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 2025-01-16 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: IL

Complaint narrative:
I have supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX {$21000.00}, XXXX XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX {$1500.00}, I C System XXXX Balance {$920.00}, XXXX bank XXXX XXXX {$160.00}, AAFCU Balance {$2100.00}, AAFCU Balance {$100.00}, XXXX XXXX Bank XXXX {$620.00}, XXXX XXXX XXXX {$370.00}, Consumer Collection MN Balance {$100.00}, XXXX XXXX XXXX Balance {$660.00}, XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX {$980.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX Main XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The email address I used for my Experian account was compromised and closed by XXXX. I am unable to access my Experian account, reset the password or reset the username I am also unable to find any support or information on how to update this information and access my experience account from experience. When I called the numbers provided on experience website I only speak to an automated system who does not transfer me to a human or refuses to transfer me to a live representative.

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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XX/XX/year>2015 I closed my XX/XX/XXXX account due to nonpayment from other co-partys. After so I contacted financial aid they said that this will fall off my credit report after 7yrs. Now another creditor that bought my debt has posted it on my credit report. Southwest credit system now has my old debt from XXXX after almost 10 years. The contact number is ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Is this legal to keep my debt sold the the next creditor? Can you please look into this and see that they dropped us off my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
I filed a dispute with Chime for XXXX XXXX charges that I was being double charged for because I pay for the service through my mobile phone provider. I also saw a charge that wasn't even mine that I disputed associated with XXXX. I opened the dispute on XX/XX/XXXX and sent documents showing that I pay for the service through XXXX XXXX. Chime gave me a temporary credit of {$26.00} back in XXXX and the total was {$150.00}. Every time I call and check on the dispute I get the run around on the status updates and the representatives state the same thing " no resolution yet '' and I'm just going to have to wait until XX/XX/XXXX which is 2 days from now. Why must I wait when I provided proof?

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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went in to XXXX XXXX for braces evaluation and I was fitted for a tray for a XX/XX/XXXX However, the cost of the trays were offered to me at a XXXX $ down and XXXX XX/XX/XXXXa month payment. Or at least this is what I understood. I put in my complaint with Synchrony bank to try to return the funds to my account, Until the XXXX XXXX XXXX XXXX CA. clarify the statement I have given was accurate info. Synchrony bank credit card services denied my claim. 3 months later. Im still paying for trays, and a service. I have not received from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
My debit card was stolen and someone used it on various things previously my identity was stolen ... further more i have all the polie reports for when my card was used dating back from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$38.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... XXXX {$680.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card ... XXXX {$42.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX {$48.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Afterpay XXXX CA XXXXXXXX XXXX XXXX XXXX ... XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$38.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXX Removed PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$42.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$48.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX WA XXXX CARD XXXXXXXX XXXX XXXX  XXXX {$210.00} PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$64.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$41.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$22.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$18.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$13.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$9.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2.00}

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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Very rude representatives. Call multiple times a day. Refuse to send any information via email or postal service. If call is not answered they will hang up and immediately call back.

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 — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
On XX/XX/year>, my husband and I fell victim to a {$1500.00} scam through Zelle, where the funds were fraudulently taken from our account. Despite reporting the incident immediately and providing all the necessary information, Zelle ignored our complaint and failed to offer any assistance or resolution. As a result, we are now {$1500.00} in debt and struggling to recover financially from this loss. This experience has not only caused significant stress but has also left us feeling unsupported by a platform we trusted to provide secure transactions.

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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: 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 XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : 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: 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: TX

Complaint narrative:
TransUnion is not removing Hard inquiries from my credit report that is passed the XXXX  of date

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: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees, Ive 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 XXXX XXXX for similar practices, Where are transactions settled with insufficient balance despite initially available funds. I believe this practices are unfair and 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: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I experienced a distressing case of fraud and I am requesting that these fraudulent items be reported and removed from my credit report. During that challenging period, I was diagnosed with XXXX XXXX and XXXX  XXXX, and I was awaiting an emergency XXXX XXXXXXXX. It was a life-threatening situation, and I came very close to losing my life. While recovering from the XXXX, I discovered that fraudulent activities had occurred on my credit report. 

I reached out to the companies involved multiple times to explain that my identity had been stolen and that I had no connection to these accounts. Unfortunately, my pleas were met with indifference, as they insisted that I was responsible for the accounts simply because they were listed under my name. This has been incredibly frustrating, especially given the circumstances I was facing at the time. 
On top of everything, I am overwhelmed by the constant harassment calls from these creditors and bill collectors. It has become exhausting, and I kindly ask for these fraudulent items to be removed from my records. Thank you for your attention to this matter. 
XXXX XXXX XXXX Original creditor : MXXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance {$2900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX Date XXXX Balance {$7300.00}

Company response to consumer: Closed with explanation