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: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: WI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to report a serious issue with Kikoff, which I believe has violated my rights under the Fair Credit Reporting Act ( FCRA ) and caused harm to my credit profile.

Nature of the Complaint : Kikoff has inaccurately reported a late payment on my credit report. This report is both unwarranted and damaging, and I dispute its validity for the following reasons : 1. Payment Was Made On Time : I have records proving that my payment was made on time. Despite this, Kikoff reported it as late, which has caused undue harm to my credit score.

2. Failure to Provide Proper Notice : I did not receive any notification from Kikoff indicating that my payment was considered late. This lack of transparency prevented me from addressing the issue promptly.

3. Violation of FCRA Guidelines : Under the FCRA, lenders are required to ensure that the information they report to credit bureaus is accurate. By reporting an erroneous late payment, Kikoff has failed to meet this legal obligation.

4. Impact on My Credit : As a result of Kikoffs inaccurate reporting, my credit score has dropped, which could negatively affect my ability to secure credit or loans. This is particularly distressing because I take my financial obligations seriously.

Resolution Requested : I demand the following actions be taken immediately : Remove the inaccurate late payment from my credit report with all major credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX 
Provide written confirmation that the late payment has been removed. 
Conduct an internal review of your reporting practices to ensure compliance with FCRA regulations.

Supporting Documents : I am prepared to provide evidence of my on-time payment, including transaction records, bank statements, and any correspondence with Kikoff, to support my dispute.

Conclusion : I expect Kikoff to address this matter promptly. Should this issue not be resolved in a timely and satisfactory manner, I reserve the right to escalate the matter further, including pursuing legal remedies. 

Thank you for your attention to this matter. I look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: GA

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 1 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handing 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was told that recovering lost funds was impossible and that tracking transactions was not feasible. The CFPBs findings suggest that Zelle has not only failed 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 deeply troubling 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: MI

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 filled 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 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 — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX has FRADULANT reporting on my XXXX Report on my Navy Federal Credit Union Report This needs to be deleted immediately it is affecting my credit score and ability to get a home loan, car loan, credit card. 
XXXX XXXX is reporting the Date of these XXXX listed Accounts as CLOSED Date Closed : XX/XX/XXXX {$1000.00} XXXX XXXX XXXX and {$2700.00} XXXX  XXXX XXXX these are FRAUDULENT Accounts that need to be Deleted Immediately this is violating my Consumer Rights to a Fair and Accurate Consumer Report. I was born in XXXX. These accounts were CLOSED BEFORE I WAS BORN. DELETE these both immediately and update my XXXX accounts and update to Navy Federal Credit Union XXXX Report. XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes. Particularly in 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 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: 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. 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 customer 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX Bank never been late XXXX XXXX Bank XXXX $ XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX XXXX Account The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and XXXX enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of 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. 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 fraud and scams. This la 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After providing transunion with the proper documentation stating and account shouldve never been reported because their info was false they still done nothing to remove it from my credit report and cant show me documents from the company reporting that would state their claim is valid, and that I truly believe I was a frauded by the company reporting and gave them proof of my claims

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Wrong information on credit report asked to update an reply over XXXX twice

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: IL

Complaint narrative:
I had a Navy federal account that had OOOps on it. The program cause me to have a lot of overdraft fees

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: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c Date XX/XX/year> Amount : XXXX Company was notified never responded

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Report Number XXXX XXXX XXXX Account number XXXX Account type Mortgage Responsibility I have asked Experian to fix this account numerous times. They always come back verified yet I recieve no information on who verified tge account, what is their contact information, how did they verify my payment history. The account is not accurate and I have a right under the FCRA to an accurate 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 2025-01-16 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: CT

Complaint narrative:
I am writing to express my concerns regarding XXXX handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with Zelle. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. I was informed that recovering lost funds was impossible and tracking was unfeasible. The CFPBs finding indicate that Zelle not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving their users vulnerable to scams.

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 following to make a complaint against XXXX XXXX Regarding multiple overdraft fees. I incurred. Despite having sufficient funds when transactions was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I use Zelle, and before they added their current warning, I feel like they were taking advantage of myself and others for their predatory practices.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was exposed in a data breach.

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

Complaint narrative:
My personal information was exposed in a data breach.

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: CA

Complaint narrative:
XXXX writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues within 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 tracking these transactions was unfeasible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XX/XX/XXXX mortgage XXXX in bankruptcy. XXXX of XXXX coborrower began to submit loan modifications and when I requested to cancel loan modifications I was denied. In XX/XX/XXXX the coborrower fraudulently submitted a loan modification and I filed a police report and XXXX complaint as there was no preventative measures to prevent fraud. The bank responded and acknowledged there error and stated they would put measures in place to prevent further fraud from occurring. The bank has made several attempts to collect even though I tried explaining to the agents that I had a bankruptcy and it had XXXX and it was illegal for them to contact for collection. The bank has allowed an additional loan modification to be submitted again and I had to call twice to cancel the loan modification and it still has not been cancelled. Due to the domestic XXXX that occurred in the home me and my children have no access to the house and I have to pay for the property we are forced to rent and unable to pay the loan or any further loans which is why I filed bankruptcy.

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: CA

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: 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: IL

Complaint narrative:
The bank doesnt update the available balances in my account causing me to eventually have to pay a returned check fee causing my account sometimes to go into the negatives. This is not fair being that this is something they should have no problem with doing. My eyes are not always in my account though if I feel that funds are low I will check it and do the math myself sometimes they charge even when the other party has made a mistake and they take those funds once returned as well as more

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation