vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds 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 repeated 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit, report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, 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 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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Back in XXXX  I sent a XXXX dollar Zelle to the wrong person

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: EQUIFAX, INC.
State: CO

Complaint narrative:
Inadequate Dispute Investigation- I am submitting this complaint against Equifax for their failure to conduct a proper and thorough investigation into multiple disputes I have filed.

The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Equifax have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures of Accuracy of Report.

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Equifax adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter.

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: NY

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 dispute account, 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My identity has been exposed due to data breach from credit bureau and or XXXX XXXX XXXX company I have filed FTC report and dispute Transunion has failed to reply or resolve my dispute after several attempts but or reporting inaccurate information and 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 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution 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 customers but that has also allowed repeating offenders to exploit the system, leaving us 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I sent a Zelle transfer of {$450.00} from my XXXX account to who I thought was my stepfather to help pay for the mortgage. I accidentally sent it to the wrong person and I had no way of getting the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the reporting of an inaccurate address on my credit report by Experian. The incorrect address, " XXXX XXXX XXXX XXXX, XXXX, IL XXXX, '' has been falsely associated with my credit profile, despite it not belonging to me. 

Despite my attempt to resolve this issue directly with Experian, the erroneous information remains on my credit report, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. This law mandates that credit reporting agencies maintain accurate and up-to-date records. The presence of this incorrect address poses risks of misidentification and errors in my credit profile.

I took the following steps to resolve the matter with Experian : Submitted a dispute to request the removal of the inaccurate address.

Requested verification to ensure no other incorrect addresses are linked to my profile.

Provided supporting documents, including : A copy of my government-issued ID confirming my correct address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
To date, I have not received a resolution, and the inaccurate information remains. Therefore, I request the CFPBs intervention to ensure compliance with the FCRA and the prompt resolution of this matter.

Action Requested : Ensure Experian removes the incorrect address from my credit report immediately.

Require verification of other addresses linked to my profile for accuracy.

I appreciate your assistance in holding Experian accountable for maintaining accurate credit reporting. 

Thank you for addressing this complaint promptly.

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 service problem — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that has brought critical issues with the platform to light. Despite my consistent use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was advised that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The findings from the CFPB indicate that Zelle has not only fallen short in safeguarding consumers but has also permitted repeat offenders to exploit the platform, thereby exposing users to potential scams. This lack of accountability and transparency is deeply concerning and raises significant questions about the platform 's commitment to consumer protection.

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 service problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Multiple amount send via Zelle without the ability to confirm if it was the correct receiver.

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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent cfpb findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices were 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: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

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 institutions 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 not only neglected to protect customers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: CBC Companies, Inc.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Nelnet, Inc.
State: TX

Complaint narrative:
They reported my account as missing payment and past due when I recieved a letter telling me it was due XXXX on XXXX. Then on XXXX they sent me a notice saying my payments were due on XXXX and that my payments were 30 days late on XXXX of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, GA XXXX United States XX/XX/year> National Creditor Adjusters XXXX XXXX NCA XXXX XXXX XXXX XXXX, KS XXXX XXXX : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take.

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: 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: NV

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 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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violated federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/year> Subject : Dispute of Charged-Off Account with Inaccurate Balance FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding an account that is inaccurately reported on my credit file. The account, identified aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number # XXXX shows a charged-off status and an incorrect balance of {$2800.00} on my credit report. 

This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, which entitles me to dispute any inaccurate or incomplete information on my credit report. Upon reviewing my credit file, I noticed that this account still reflects a balance that I believe is inaccurate due to the following reason, The reported balance does not reflect an agreed settlement amount or payment arrangement. ) Under 15 USC 1681i, I am requesting that the CFPB assist me in ensuring that this matter is investigated thoroughly and that the information reported is either verified or corrected. If this balance can not be substantiated, I respectfully request that it be removed from my credit report entirely.

I have also contacted the credit reporting agency and the creditor directly ; however, I have not received a satisfactory resolution. As required by the FCRA, I am asking for a thorough investigation to be conducted, and for a response within the legally prescribed 30-day period.

Please assist me in resolving this issue as soon as possible. I am requesting the following actions : A full investigation of the account in question.

Correction or removal of the charged-off account balance if found to be inaccurate.

Confirmation of the outcome of the investigation.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act in compliance with FCRA 15 USC 1681 to ensure that accurate information is reported on my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
All of the collection of debts are recognized. They did not provide enough information to verity.

Company response to consumer: Closed with explanation