vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: 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 that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. 

I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. This lack of support is deeply troubling and raises questions about the effectiveness of Zelle 's consumer protection measures. The CFPB 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 and fraud. 

As a consumer, I believe it is crucial for financial platforms to prioritize the safety and security of their users. I urge Zelle and my financial institution to take immediate steps to improve their handling of disputes and to implement stronger protections against fraudulent activities. 

Thank you for your attention to this serious matter. I look forward to your prompt response and a resolution to my concerns

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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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: 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: CA

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 or 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 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 2025-01-16 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:
This company violated my rights to privacy and have not showed me proof of the original agreement and has a negative item on my credit report. I gave no permission to or signed any contract for.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This company violated my rights to privacy and have not showed me proof of the original agreement and has a negative item on my credit report. I gave no permission to or signed any contract for.

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: GA

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 these practices are unfair and request an investigation into my account transactions. 
I want the CFPB to publish this

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Used XXXX and Zelle in the past Ive had two separate issues with both apps. Both of these issues happened back ranging from XXXX XXXX. Had someone hack my IP address and use my XXXX  to send themselves {$1500.00} and when I went to XXXX to report this issue they said theres nothing we can do even though I never authorized any transaction of the sort and the money was just gone. 

2. I switched to Zelle after the incident with XXXX  and I started to see money leave my account from through my Zelle when I called Zelle about the issue of money being sent I asked who was the recipient since I never sent anything and they said they dont know. When I tried to dispute to get the money back they said it was in a locked account that they dont have access to retrieve the funds so unless the recipient sends the funds back theres nothing they can do.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The certain personal information reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The information in question has been returned as verifiable ; however, the reporting company has not provided sufficient details on how this information was validated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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}, XXXX XXXX XXXX XXXXXXXX Balance {$920.00}, XXXX XXXX  XXXX XXXX {$160.00}, XXXX  Balance {$2100.00}, XXXX  Balance {$100.00}, XXXX XXXX XXXX  XXXX {$620.00}, XXXX XXXX XXXX {$370.00}, XXXX XXXX XXXX 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 XXXX  XX/XX/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 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: IL

Complaint narrative:
I have supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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}, XXXX XXXX XXXX  XXXX Balance {$920.00}, XXXX XXXX  XXXX XXXX {$160.00}, XXXX  Balance {$2100.00}, XXXX  Balance {$100.00}, XXXX XXXX XXXX  XXXX {$620.00}, XXXX XXXX XXXX {$370.00}, XXXX XXXX XXXX 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 XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/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: NY

Complaint narrative:
i am writing to file a complaint against Navy federal credit union regarding multiple overdraft feed 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 these practices are unfair and request an investigation into my account transactions.

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

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 — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Zelle, when sending money there was no way to double check and or confirm money was being sent to the right place.

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: MS

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX

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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling, and dispute particularly in the light other receipt CFPB lawsuit highlighting significant issue with a platform. Despite using Zelle numerous times and reporting discrepancies, my financial Institute and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transaction was infeasible. The CFPB findings indicate that Zelle not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concern about customer safety

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: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I was checking my credit report and saw that an apartment I've never heard XXXX XXXX XXXX, and never lived at is on my credit for almost XXXX grand owed I contacted them, and they said I signed an electronic lease and am responsible for the debt I told them it wasn't me and asked they did they even ask for ID from whoever it was they just sent me the lease and debt owed with my name on it and that's it I asked how I can get it removed bc it wasn't me as I've lived with my mother my entire life they said to send in the lease for where we live and I sent in the lease and lease extensions from the last XXXX  years they then said I still owe the balance and lowered the amount to a little over XXXX  I told them I shouldn't have to pay because it isn't me and they didn't even get ID from whoever this was and they have no proof beyond this electric lease I tried to get a lawyer but they said I will nee to file a lawsuit and I can not afford that especially for a debt that isn't mine and now I cant rent anywhere because it shows I owe this place a lot of money I have filed a police report and will attach it

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 And Late Fees Towards Credit Card Which Has Impacted My Credit Score. Despite Having Sufficient Funds When Transactions Were Authorized. I Was Charged Fees Do To The Lagged Posting Of Charges & Credits.This Issue Aligns With CFPB Recent Findings Against Navy Federal For Similar, Where Transactions Settled With Insufficient Balances Despite The Initially Available Funds. I Believe These Practices Are Unfair And Would Like To Request An Investigation On 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: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX XXXX there was an unathorized charge for the amount of {$220.00} from Mainstream Fees, apparently that company is a merchant services company.

Spoke to Wells Fargo on XXXX XXXX XXXX to investigate the issue and requested a refund Wells Fargo expect XXXX be reported within XXXX hours of the illicit transaction take place. which they informed me today XX/XX/XXXX, Wells Fargo close the case without informing me. 
Wells Fargo NEVER disclose the XXXX hours policy. 

Wells Fargo did process an stop payment but never issue a credit for {$220.00} dollars

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXXXXXX XXXXXXXXXXXX XXXXXX/XX/year>, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( FTC NUMBER ) as proof from the US 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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

Complaint narrative:
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.

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: IA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Phone Number : XXXX Email : XXXX Dear CFPB, I am writing to file a formal complaint against Experian Credit Bureau for failing to properly investigate a dispute I submitted regarding inaccuracies on my credit report. Despite my efforts to provide clear documentation and evidence supporting my claim, Experian has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and accurate investigation. 

Additionally, I am aware of the CFPBs recent lawsuit against Experian for systemic violations, including inadequate investigations of consumer disputes and failure to ensure fair and accurate credit reporting practices. This lack of accountability by Experian reflects a troubling disregard for consumer rights and fair credit reporting standards. 

The inaccuracies on my credit report are negatively impacting my financial stability and opportunities. I believe Experians failure to act is a direct violation of the FCRA, and I respectfully request the CFPBs intervention to ensure Experian :

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