vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around XXXX of 2024, Chase bank closed my savings account without telling me. I had {$370.00} in my account and have not been sent that money in the mail nor any other way. I have called the bank multiple times asking when I will receive my money back and it has been 6 months yet they still havent given me my money back. They refused to tell me why I can not receive my money back or when I will get it back. So I would like to be reimbursed back for my {$370.00} that has been taken from me.

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:
Zelle was not transparent with its policy and several times added a hold to the funds sent or received, and any disputes were disregarded by the company and there was no action taken on their end, or real ability to do so on the app. It tried to exploit its customers and sold data as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
I was previously enrolled in public student loan forgiveness ( PSLF ) and my loan servicer, MOHELA, discharged my loans earlier in 2024 after making on-time monthly payments over the course of 10 yrs. That said, I wound up making 123 out of the required 120 monthly payments and MOHELA has yet to refund my three overpayments in excess of {$1400.00} as they have promised. I have escalated this issue several times to the highest level with MOHELA and still haven't received a dime. Their customer service said it could take up to 90 days to process the refund, not one 1+ yrs! As you can imagine, I'm extremely frustrated with their company. Interestingly, MOHELA has a pending lawsuit for their egregious handling of student loans and refunds for borrowers. I'm hoping you can help because I feel like I'm being ignored!

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I was scammed on window tint, paid somebody {$500.00} and they didnt finish the job. Contacted my bank who then went through Zelle to dispute the transaction and Zelle said they cant give me my money back from the person who scammed me.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Dear [ Creditor/Collection Agency I am writing to formally request validation of the debt referenced by account number that you claim I owe. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement that validates this debt.

4. Proof that you are authorized to collect on this debt.

5. A detailed payment history for the account in question. 

I request that you stop all collection activities until you provide the requested validation. Please send this information to my address listed above within 30 days of receiving this letter. 

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

Sincerely, XXXX XXXX

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: FL

Complaint narrative:
I have sent XXXX different disputes regarding a Bankruptcy that shows on my Credit Report. I have sent disputes showing this account doesn't belong to me as well as information contained in the Bankruptcy. They continue to say it was verified but the BANKRUPTCY COURT has verified to me that they DO NOT verify any information with Credit Reporting Agencies or 3rd Party 's such as XXXX. on XXXX different occasions ive been lied to about verifying this inaccurate account that doesn't belong to me. Can someone please hold them accountable for their lies and deception to me and to the public?

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: 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: FL

Complaint narrative:
I have sent 9 different disputes regarding a Bankruptcy that shows on my Credit Report. I have sent disputes showing this account doesn't belong to me as well as information contained in the Bankruptcy. They continue to say it was verified but the BANKRUPTCY COURT has verified to me that they DO NOT verify any information with Credit Reporting Agencies or 3rd Party 's such as XXXX. on XXXX different occasions ive been lied to about verifying this inaccurate account that doesn't belong to me. Can someone please hold them accountable for their lies and deception to me and to the public?

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle didnt offer to verify recipient of money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
Someone opened an account in my Name without my permission. I have been asking since XXXX of 2024 for this problem to be resolved. Nothing is being done it seems like every time I call it's the same representative. She keep saying she will file a report and someone will get back to me and no one has contact me yet. I do want to go forward in pressing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
As I wrote in my certified letter to Experian : I am writing to formally dispute a collection account that appears on my credit report, listed under XXXX XXXX XXXX, for a debt allegedly incurred in XX/XX/2024. This debt was fully resolved with the original creditor, XXXX XXXX XXXX, and no outstanding amounts remained unpaid. Furthermore, I was never contacted by any party claiming an unpaid amount prior to this collection being reported. This misrepresentation constitutes a violation of federal law.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Reporting a collection for a debt that has been paid in full is inaccurate and misleading. Additionally, failure to notify me of an unpaid debt and placing it into collection violates the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), which mandates that collectors must notify debtors of the alleged debt and provide a validation notice within five days of initial communication.

The collection agencys failure to contact me about this alleged unpaid debt before reporting it violates the law and caused me harm. I request that Experian investigate this matter immediately and remove the erroneous collection account from my credit report.

To assist your investigation, I have enclosed the following : Documentation showing the debt was settled in full as of XX/XX/2024. 
A copy of my credit report with the inaccurate collection highlighted. 

Please note that under the FCRA, Experian is required to complete its investigation within 30 days of receiving this dispute. If the information can not be verified or is found to be inaccurate, it must be removed promptly from my report. 

Thank you for your immediate attention to this matter. I expect written confirmation once this issue has been resolved.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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

Complaint narrative:
Charged overdrafts again and again called to try to figure out how and what was happening but was charged more times. My account ( checking ) was closed and charges were put on my credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the first place.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXXXX/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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

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 have been authorized. I was charged fees due to 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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
As a former college student enrolled at XXXX XXXX XXXX  from XX/XX/XXXX to XXXX, and having attended other institutions between XXXX and XXXX, I wish to address significant concerns regarding Navy Federal Credit Unions practices. 

During my time as a college student, I faced financial constraints that limited my ability to work extensively. Despite this, Navy Federal Credit Union targeted me with marketing campaigns promoting credit products such as the Navy Federal Cash Signature Advance credit card and the XXXX XXXX Rewards card. These products carried high-interest rates, which exacerbated my financial challenges and contributed to significant debt before I could fully comprehend the implications of using them. 

Additionally, discrepancies in my credit report raise questions about the accuracy of the reported data. Specifically, the Cash Signature Advance credit card is listed as opened in XXXX, while the XXXX XXXX XXXX card is reported as starting in XXXX, both of which appear to be inaccurate. As of XX/XX/XXXX, my Cash Signature Advance credit card shows a balance of {$7400.00}, and my XXXX XXXX XXXX card reflects a balance of {$3100.00}. 

Beyond the financial issues, recent reports, such as the investigation highlighted in the XXXX article dated XX/XX/XXXX, suggest a troubling pattern of XXXX discrimination within Navy Federal Credit Union 's practices. This raises broader concerns about fairness and transparency in their dealings with minority groups. 

Furthermore, I believe the targeting of college students like myself with limited financial experience and resources represents a potential violation of the Credit Card Act of 2009. By promoting credit products to individuals who may not fully understand the associated risks, Navy Federal Credit Union has engaged in practices that seem to prioritize profit over consumer well-being. 

It is critical that financial institutions operate with transparency, fairness, and accountability, ensuring their practices do not disproportionately impact vulnerable populations or perpetuate harm.

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

Complaint narrative:
I am writing to formally express my concerns regarding 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. 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 take advantage of the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I signed up for Auto pay with ED Financial Services in XX/XX/XXXX. ( XX/XX/XXXX ) my payment was due on the XXXX and the date that was on the sign up page for that auto pay was XX/XX/XXXX due date. I was under the impression that auto pay was automatic, this company failed to inform me that it needed time to verify with my bank ( The XXXX I talked to XX/XX/XXXX told me that it takes time to kick in ) .The payment didn't get taken out of my account on XX/XX/XXXX and I realized it on XX/XX/XXXX. I logged in to find that not only was i NOT charged, but I was delinquent in my loan. I signed up for auto pay again after making my payment on XX/XX/XXXX and I asked about it in my call on XX/XX/XXXX and it STILL wasn't set up. NOWHERE on the sign up did it say that it was going to take a few months to sign me up for auto pay and that I needed to make any payments manually until auto pay " kicked in. '' So not only was I delinquent, but there was no interest rate reduction. How is it that I did everything right, but the company didn't let me in on auto pay not being automatic? This is a threat to my Credit report and my bank account. The XXXX I talked to wanted to Sign me up for auto pay again ... a THIRD time because she said it doesn't work to do it on the website ( the option to do so is still on their website ) there is nothing on the website that tells me I am enrolled or not. I asked to speak to a supervisor, but XXXX wasn't provided. This feels like a SCAM.

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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$440.00} Date Opened XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief