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

Complaint narrative:
I am absolutely appalled and deeply disturbed to formally highlight a series of appalling concerns regarding the recent XXXX data breach and its devastating impact on my personal and financial information. As you may be aware, XXXX has negligently allowed a significant data breach to occur, exposing the highly sensitive personal information of countless consumers, myself included. Additionally, I am actively involved in the ongoing class action lawsuit arising from this egregious breach.

Violation of My Consumer Rights My profound discontent and outrage arise from the despicable breach and subsequent illicit dissemination of my confidential information, including but not limited to my name, Social Security number, and other intimate particulars. This reprehensible act constitutes a blatant infringement upon my legal entitlements enshrined within the esteemed Fair Credit Reporting Act ( FCRA ), the Identity Theft and Assumption Deterrence Act, and various state statutes safeguarding consumer interests. The sanctity of these legislative provisions is paramount in shielding individuals against the malevolent exploitation of their personal data and in upholding the imperative mandate for credit reporting agencies to furnish precise and current information.

Particularly, according to the FCRA ( 15 U.S.C. 1681e ( b ) ), credit bureaus are obligated to guarantee the precision and entirety of the details they disclose, and to eradicate any erroneous information from consumer reports. The infringement has jeopardized my personal information to the peril of identity fraud, and consequently, I am demanding prompt measures to rectify the inaccuracies and transgressions on my credit record. 

Class Action Lawsuit and Impact on My Credit Report Being a victim of the class action lawsuit against XXXX and other accountable entities, I demand restitution for the harm inflicted by the breach and the infringement upon my consumer rights. Apart from the overarching privacy and security transgressions, I am deeply troubled by the falsified portrayal of details on my credit report stemming from deceitful or flawed actions that potentially arose as a result of the breach.

According to Section 605 of the FCRA ( 15 U.S.C. 1681c ), should any data on my credit report be determined as erroneous or inadequate, I possess the privilege to challenge it and petition for its elimination. Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) grants consumers the ability to have any deceitful or inaccurate entries expunged from their credit report in the event that they have fallen prey to identity theft. 

Request for Removal of Accounts and Late Payments

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I put in multiple disputes with Experian because they have items on my credit that are reporting negatively that some have been paid in full others. I have told them multiple times that those are not my accounts. Ive never had an account with XXXX but yet and still they have this account Reporting negatively on my credit. Ive asked for proof of the original loan/agreement. It was not provided all the accounts that have been paid in full. I have informed them that the accounts have been paid in full. I have gave them documentation that the account has been paid in full and they still have not removed XXXX XXXX off my account And it has been paid in full for over a year and a half but its report negatively and its on there twice one directly from the company and then from a third-party collection agency whos reporting a completely different balance than what was due, and that was paid in full

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: CA

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform despite using zelle numerous times and reporting discrepancies my financial institutions and zelle failed to investigate claims this lack of accountability and transparency is unacceptable

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 2025-01-16 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: Early Warning Services, LLC
State: MN

Complaint narrative:
In accordance with fair credit reporting act XXXX  accounts # XXXX, violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 25 usc 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. Over draft fees.

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: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
In accordance with fair credit reporting act XXXX  accounts # XXXX, violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 25 usc 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. Over draft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions are authorized I was charged fees due to lagged posting of charges and credits. This 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 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
This company is reporting inaccurate information, and amount to my credit report without my permission which is causing tremendous damage to my credit.

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:
Express my concerns in regards to the handling of disputes done by Zelle, particularly in light to the recent CFPB lawsuit highlighting significant issues with this particular platform. Regardless of the countless times using Zelle and reporting discrepancies, my financial institution and Zelle failed to throughly investigate, resulting in the loss of my hard earned money. My financial institution and Zelle informed me that recovering my funds was undoable and tracking these transactions was impractical. CFPB current investigation has brought to light the neglection Zelle consumers such as myself have experience due to the lack of proper protection from said company, allowing offenders to repeatedly exploit the system leaving us consumers vulnerable to scams. Such lack of accountability is unacceptable and raises significant concerns about the safety of the consumer.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This reporting agency is operating unlawfully by reporting this public information on my credit report and it was never validated by the courts or myself. The courts do not send information to any reporting organizations this is false I have never filed a bankruptcy ever this needs to be removed immediately

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This reporting agency is operating unlawfully by reporting this public information on my credit report and it was never validated by the courts or myself. The courts do not send information to any reporting organizations this is false I have never filed a bankruptcy ever this needs to be removed immediately

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX show me a car a XXXX XXXX XXXX XXXX with the miles roll back and fraudulent for warrent and submitted and fraud title I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, being duly sworn, do hereby make this affidavit and state as follows : XXXX. My name is XXXX XXXX XXXX, and I was born on XX/XX/XXXX. My Social Security XXXX is XXXX. 
XXXX. I have an account with AMER CR ACPT, which has a reported balance of {$25000.00} as of 39 days ago, and a loan amount of {$25000.00}. 
XXXX. I am making this affidavit regarding a vehicle offered to me by XXXXXXXX XXXX XXXXXXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
XXXX. The vehicle in question is a XXXX XXXX XXXX XXXX. I have concerns that the mileage on the vehicle has been rolled back, and I believe that the vehicle was involved in fraudulent activities, including the submission of a fraudulent warranty and title. also, I purchased a warranty from the company that is fraudulent too Because mileage set back in vehicle

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.

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: IL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transfer fees were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with the recents 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 I 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Sent a Zelle payment which I sent the wrong payment and it was wrong by XXXX number they denied my claims because they said they arent able to retrieve the money back from the wrong person so Im out XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
They have been after me for years for a debt that is over with and done. This has been years of harassment. XXXX XXXX XX/XX/year>.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed 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 evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed items, as Experian inaction violates federal law 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I cant describe the dates, because it happens often. So I would make an online purchase of any kind and immediately the funds would be taken out my account than days later the same amount will be deducted out my account. I would call the bank and they would say the funds wasnt immediately removed when indeed it did. So this would go on for bout a year now I barely use my NAVY FEDERAL ACCOUNT I use another bank I have and I no longer have late fees or double pay for things I know the account immediately removed.

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

Complaint narrative:
Navy federal overdraft my account all the time for unknown reasons

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: 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 2025-01-16 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: IL

Complaint narrative:
When sending money through zelle in recent years, it was very confusing and hard to determine if it was being sent to the right person and there were no warnings or verifications.

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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
XXXX had been stonewalling me for documentation that they are required to provide to keep deleterious credit information on my report. They only substantiate the case with their own claims and now refuse to further reply ( attached ) as they " consider the matter closed. 

I did not make these charges. I did not live at the address where the bills ro notices were sent. They have been informed of this and refuse to provide me with the debt purchase agreement from XXXX. 

I have submitted the FTC Identity Theft complaint and the case number for the XXXX, Missouri Police Department.

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 about Navy Federal credit union regarding multiple overdraft fees I have incurred. Dispite 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 transaction 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: 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: CA

Complaint narrative:
I recently reviewed my credit report dated XX/XX/year>, and noticed several hard inquiries on my report that were not authorized by me and lack a permissible purpose under 15 USC 1681b. Please remove the following unauthorized inquiries : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> I have attached evidence, including a copy of my credit report highlighting the inquiries in question. Kindly address this matter promptly and confirm their removal in writing. 

Sincerely, XXXX 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