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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and 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 Equifax and 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 's Equifax and XXXX inaction violates federal law and my rights as a consumer.

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: TX

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
In XX/XX/XXXX I applied to switch from the SAVE plan to IBR plan. At that time MOHELA should have switched me from the administrative SAVE forbearance to a processing forbearance. They did not do so. I realized this in XX/XX/XXXX and called them. After over 5 hours on hold, I was told by a supervisor that I would be switched and that it could be retroactive to XXXX. I was told I would receive a notice saying I was switched. I did not receive a notice. In XX/XX/XXXX I called in again. After XXXX hours on hold I was told that they could take me off the administrative forbearance, but it would take 10 days to process. At that time I could call in and request to be put on a processing forbearance. They stated that they were unable to make the processing forbearance retroactive and that the only people who could do that was the Federal Student Aid office. I contacted Federal Student Aid who told me that they do not handle anything related to forbearances and that only MOHELA could make it retroactive.

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: GA

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

Complaint narrative:
Im expressing my concerns here regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues using this platform. Despite using Zelle numerous of 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 infeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer privacy and safety!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning Services , LLC Attention : Consumer Services Subject : Request for Account Verification and Removal Pursuant to FCRA and Applicable Laws Dear Early Warning Services, I am writing to formally request a review of the information associated with my name and records in your database, specifically regarding XXXX checking account and any records involving XXXX XXXX. 
Under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. **, I have the right to dispute inaccurate or incomplete information reported about me and to request that it be verified or removed. I am concerned that the information related to the above accounts may not be accurate or complete. I am requesting the following actions under the FCRA : 1. Verification : Conduct a thorough investigation into the accuracy, validity, and ownership of the information related to these accounts. Please ensure the information is 100 % accurate, complete, and attributable to me. 2. Removal : Remove any inaccurate, unverifiable, or incomplete information, including the above accounts, if they are determined not to belong to me or if the data is incorrect. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) you are required to conduct an investigation and respond to this dispute within **30 days**. I request that you provide me with a copy of the findings of your investigation, along with an updated version of my file reflecting any changes made.

If you fail to comply with the obligations set forth under the FCRA, I am prepared to pursue further action, including filing additionalcomplaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. 
Please acknowledge receipt of this letter and confirm the start of your investigation in writing. 
Thank you for your prompt attention to this matter. 
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX

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, especially in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle on numerous occasions and reporting discrepancies, my financial institution and Zelle have 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 consumers, but also allowed repeat offenders to exploit the system, leaving users 's vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns regarding consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding the debt collection practices employed by the law firm, Lloyd & McDaniel , PLC, on behalf of XXXXXXXX XXXX. I believe that their actions violate my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), and I seek your assistance in addressing these violations. 

I have outlined the specific issues and the relevant violations below, based on my Affidavit of Truth : Violation of 15 U.S.C. 1692a ( 6 ) - Debt Collector Definition : Lloyd & McDaniel , PLC is acting as a debt collector, yet they have failed to provide proper verification of the debt as required by law.

Violation of 15 U.S.C. 1692c ( a ) - Communication Restrictions : Despite my explicit request to cease all communication, Lloyd & McDaniel , PLC continues to contact me regarding this debt.

Violation of 15 U.S.C. 1692c ( 3 ) - Ceasing Communication After Request : I formally requested that no further communication be made, yet they persist in contacting me regarding this alleged debt. 

Violation of 15 U.S.C. 1692b ( 2 ) - Unauthorized Disclosure of Information : The debt collector has disclosed details of this debt to third parties without my consent, violating my privacy rights.

Violation of 15 U.S.C. 1692b ( 5 ) - Continued Contact with Third Parties : Despite my request, Lloyd & McDaniel , PLC continues to contact individuals not involved in the debt collection process.

Violation of 15 U.S.C. 1692d ( 2 ) - Harassment or Abuse : The conduct of Lloyd & McDaniel , PLC has been excessively harassing, including multiple calls within short periods, unwarranted threats, and verbal aggression.

Violation of 15 U.S.C. 1692g - Failure to Provide Debt Validation : Lloyd & McDaniel , PLC has failed to provide the legally required debt validation notice, including proof of the amount owed and the creditor 's identity. 

As a result of these violations, I have already formally requested debt verification from Lloyd & McDaniel , PLC, and demanded they cease all communication with me. However, they have failed to respond adequately or cease their unlawful actions. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Lloyd & McDaniel , PLC complies with the FDCPA and other relevant consumer protection laws. I have attached a copy of my Affidavit of Truth for your reference, which outlines the full details of these violations. 

Thank you for your attention to this matter. Please keep me informed of any updates regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
Robinhood markets inc. restricted my account on XXXX and after several attempts to get someone on the line it appears they are holding all my funds in the account with no success to withdraw

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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am writing to file a complaint against JPMorgan Chase Bank 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 Chase Bank 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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: 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 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 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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year> I resubmitted by fax a request for deferment prior to my XXXX student loan payment being due. There was no response to my first online request for deferment. 
I met all the criteria for this deferment and yet there is nothing in my online account with Mohela that even acknowledged that I applied for a deferment. 

In my paperwork that was faxed to this company, I did request for a response. I did not get any. I also let Mohela know that I had to fax my deferment request since the first one was not acknowledged and also because there was no place on there website where I filled out their form to upload the required documentation. I have all my paperwork including my fax confirmation from the XXXX XXXX XXXX in XXXX, Texas where the fax was sent from. 

My payments where not deferred, although I met all the requirements and submitted to their fax number documents including my SNAP benefits documentation from the Texas Department XXXX XXXX and XXXX XXXX, and my latest tax return with my 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: 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 formally express my concerns regarding Zelles handling disputes, practically in light of the recent CFPB lawsuit highlightinh significant issues with the platform.

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: 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 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 2025-01-15 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 their 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 this transaction 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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: CO

Complaint narrative:
I am writing to formally express my concerns regard to zelle handling disputes. The Company has failed to investigate or retrieve any money that was reported removed without consent. I was told once sent there is nothing that can be done about it.

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: TN

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. The issue aligns with the recent CFPB findings against Navy federal Credit Union 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: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Navy federal charged me for years late fee over draft fees etc

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

Complaint narrative:
Hello, I've been using zelle since XXXX and i have had many unauthorized purchases i cant get refund on and money sent to me that would show on zelle but never deposit in my bank acc most of these problems accrued during the duration of XXXX to XXXX and now. more then XXXX was taken and or falsely deposit these banks are the issue as well as it in their systems I've had multiple bank account I've had to use to change zelle issues and don't have all receipts because of these changes.

Company response to consumer: Closed with explanation