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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Regarding Experian, XXXX Violation of FCRA in Reporting Inaccurate Information To Whom It May Concern : I am writing to file a formal complaint against Experian, XXXX for failing to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated the FCRA by failing to properly investigate and update inaccurate information on my credit report despite my timely dispute. 
The issue concerns inaccurate reporting on my XXXX credit card account. I submitted a dispute to Experian, XXXX notifying them of the errors and providing supporting documentation to demonstrate the inaccuracies. However, they failed to conduct a reasonable investigation or update the information as required by the FCRA. 
This failure constitutes a clear violation of FCRA provisions, particularly those that mandate credit reporting agencies to ensure the accuracy of consumer credit information and to investigate disputes thoroughly and promptly. 
The inaccuracies on my credit report have caused significant harm to my creditworthiness, and I request immediate corrective action. Specifically, I am asking that : Experian, XXXX conducts a thorough and reasonable investigation into the disputed information. 
Experian, XXXX updates my credit report to reflect accurate information for my XXXX account. 
A detailed explanation of their investigation findings and corrective actions is provided to me. 
Enclosed, you will find copies of the following documents to support my complaint : Supporting documentation for the dispute. 

I respectfully request the CFPB to take appropriate action to ensure Experian complies with its legal obligations under the FCRA. I look forward to your assistance in resolving this matter and ensuring that Experian, XXXX fulfills its duties as a credit reporting agency. 
Thank you for your time and attention to this matter. 
Sincerely,

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 — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
They were over charging to help fix my credit and it never was fix working with this company

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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Ive been with capital one over XXXX years for the last XXXX years Ive gotten my direct deposit from work on Wednesday. I have not changed employers I have the same employer. Well today on Wednesday, XX/XX/XXXX, not only is my direct deposit not available and showing in my account. I can not view my account information all day long. My account says that they are unable to access the details of my accounts, and my account is still reflecting a negative balance. Which is another problem I have overdraft protection which has allowed me for the last XXXX years to overdraw up to {$200.00} now all of a sudden when I cant view my account, I am no longer allowed to overdraw my account for that amount. Capital One has previously allow me to go into overdraft to make payments towards my other Capital One credit cards and also take the money off using XXXX XXXX Over the last XXXX days I have been denied getting money out of my account when the negative balance is only {$110.00}. They denied and returned my {$30.00} credit card payment to my capital one venture card resulting in a late fee and a return fee and also returns on other payments that I made. So I have access issues. I cant do the information in my account online or in the app. the representatives can not tell me I can not access my funds and my direct deposit is not available and no one can help me at capital one. I have attached screenshots showing my direct deposit from XXXX XXXX  posting in this account every Wednesday as far as I could go. I am also posting screenshots showing why I tried to access my account information throughout the day and can not.

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: PA

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 on 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 Experians inaction violated 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

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 theses 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: NY

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 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
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: MRS BPO, LLC
State: AL

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle transferred bank services, I have lost money that wasnt returned. Nothing the bank could do about it. I bank with XXXX and I have been about of bank since 2014 and have lost over {$800.00} in funds over the years with zelle.

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: MO

Complaint narrative:
Fees charged for overdraft when money was available. Transferring from third party banking apps, money not transferred.

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: TX

Complaint narrative:
I would like to initiate an investigation into these accounts, as there appears to be an issue with their accuracy on my credit report. They were removed in the past but have been re-added without my awareness. I did not receive any notification or correspondence about their return.

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: 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: RI

Complaint narrative:
I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section XXXX05B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

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: AR

Complaint narrative:
Because of the data breach Ive noticed several incorrect items on my report. And now Im extremely worried about my personal data

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Because of the data breach Ive noticed several incorrect items on my report. And now Im extremely worried about my personal data

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and Im unsure how they got there. I checked my report as I usually do, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Because of this, Im requesting a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.

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: DC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting multiple discrepancies. My financial institution XXXX XXXX  XXXX XXXX XXXX and Zelle failed to investigate any of my claims and responded with unfortunately we can not help you. They informed me that recovering lost funds is nearly impossible and tracking these transactions are 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 us users completely vulnerable to scams and scammers. Zelles lack of accountability and transparency is unacceptable and raises serious concerns for consumers breach of personal information and financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: GA

Complaint narrative:
Our mortgage was sold to Selene Finance in XXXX XXXX XXXX payment cleared our bank on XX/XX/year>. XXXX was paid, no problems. In XXXX we called in our payment for the regular amount ( on the XXXX ) but we noticed double was taken out of our account on XX/XX/XXXX with no notice from Selene. We started contacting them to find out why double was taken out and were told they returned one of the payments. It was confirmed by our bank that no payment was ever returned. After several calls they finally issued a refund check. XXXX payment posted correctly. In XXXX they said XXXX payment was also returned. We confirmed again with our bank there was never a returned payment. They again took a double payment for XXXX and will not take our calls about it. Every time we call, they hang up on us. They are ruining our credit.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, specifically 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 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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, ca XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Information Regarding Account [ Account Number or Creditor Name ] Dear XXXX, I am writing to request additional information regarding an account reported on my credit report. I am not disputing the information but would like clarification on specific details for my records.

For the account in question, please provide the following : 1. The date of first delinquency.

2. The date of last payment made on this account.

3. The date the account was charged off.

I would greatly appreciate it if you could provide this information at your earliest convenience. Please let me know if there is any additional information you require from me to process this request. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]

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
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having 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 balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I 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. My financial institution and Zelle failed to investigate my claims adequately. My incident occurred in XXXX XXXX XXXX. The amount disputed behind this was {$2000.00}. They informed me that recovering lost funds was not possible and that tracking these transactions was unfeasible. My case was taken to highest branch of XXXX and sadly nothing could be done and my case was closed. I also called Zelle as well and they told me all they could do is take the number and block it. I attempted multiple times even going in person to see if nothing else could be done and unfortunately I was told that my case was already taken to the highest branch and nothing could be done. According to CFPB 's findings it 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. I really feel that my financial institution and Zelle both failed to protect me leaving vulnerable with what happened.

Company response to consumer: Closed with explanation