vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 funds 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: FL

Complaint narrative:
I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ).

These inquiries were made without my consent, and I have requested that the involved credit bureaus Transunion conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review.

I have invoked several FCRA provisions that support my request for deletion, including : 1. Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified.

2. Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

3. Section 609 ( Right to Access and Verification ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case.

4. Section 623 ( Responsibilities of Information Providers ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

5. Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection.

Additionally, I reference the case XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.

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: FL

Complaint narrative:
I reported to Experian in XX/XX/year> XXXX credit cards on my credit report that were not mine and not even in my name. They came up as authorized user and I did not even have access to these accounts. All of this was disputed and explained and my credit has been so negatively impacted by this being stuck on my report and not being handled. My credit report is outdated and not even refreshed and doesnt even show payments I have made. This company is hurting me from opportunities by not looking into anything I have asked. I have disputed numerous errors and nothing gets resolved. It takes weeks to months to even get an update and there is usually no information as to what they even investigated or what concluded.

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: MD

Complaint narrative:
To Whom it may concern, I would like assistance with the disputes I have sent to XXXX. I sent dispute letters to XXXX on several different occasions, letting them know that these collection accounts were being reported inaccurately : XXXX XXXX - XXXX, XXXX XXXX XXXX, and XXXX XXXX - XXXX, all three of these accounts are being reported as open accounts when they are indeed not. I will be attaching the disputes sent on XXXX and XXXX to XXXX. I understand that all information being reported must be reported XXXX percent correct. However, here we are almost XXXX months later. I rechecked my credit report on XXXX, and the information is still being reported incorrectly ; all three accounts are reported as open. This is inaccurate. Writing to XXXX about these errors and not getting the issue resolved is frustrating, not to mention it's costing me time and money. Please assist me in getting this issue resolved. I appreciate your assistance in resolving this matter.

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 — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Charging more. Letting me swipe card then charging everytime

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

Complaint narrative:
Zelle, XXXX, XXXX all did not provide points we disclosures to users. They would complete changes, and fees without updating users on the meaning of said changes and fees and policies.

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: TX

Complaint narrative:
i am a victim of identity theft/human trafficking and there are fruadulant accounts that are in result of this horrific nightmare that has happened to me. also i have called experian many times to remove the fruadulant address off of my experian credit report but they refusing to remove all the frudulant address off my current credit report, also XXXX is refusing to update my current address on my credit report as well.

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: FL

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

Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX  # XXXX Account Name : 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
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 — Account information incorrect
Company: Advanced Resolution Services Inc.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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 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 CFPBs 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: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

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 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 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 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: 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 XXXX XXXX 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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
A credit card was opened under my name that i had no knowledge of. I then reported to them that i never received this card or ever had it in my possession. How can it be possible they are charging me for a card i never received and to help me. This is fraud and i explained to them that i would like this investigated and account closed due to the lack of knowledge i had of this card. They kept forcing me to pay fees and make payments on a card i never had in my possession. They are extremely corrupt and unprofessional. I never got any help and this is affecting my credit because Im a victim of identity theft and they were of no help to my problem.

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: TX

Complaint narrative:
Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me 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 exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am extremely frustrated to find an unauthorized inquiry on my credit report this morning. I checked it as I normally do, but this time, discrepancies appeared unexpectedly. Refreshing my browser didnt resolve the issue, and the inquiry remains. I demand an immediate review of the documents I sent so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
XXXX Physical Address : TRANSWORLD SYSTEMS INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX Repeated attempts to contact an individual that is not me. Repeated attempts on my part to have my personal email and information completely removed from their claim. 

I am in no way the individual associated with their supposed collection efforts. They continue to be unwilling to remove my personal information from their systems. Their opt-out and unsubscribe features do not function. 

Repeated attempts by phone leads to a temporary hiatus until they reassociate my information with their debt. As I am not the individual of claim, they can not provide me the details associated. This is in no small part due to XXXX XXXX inaccurate associations with my PII, as well as a myriad of other less reputable data brokers. 

Text of the claim : You had XXXX XXXX XXXX XXXXXXXX XXXX account with account number XXXX. 

As of XX/XX/year>, you owed : {$240.00} Between XX/XX/year> and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$240.00}

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 express my concerns regarding zelles procedure to handling disputes. In the light of the recent CFPB lawsuit highlighting significant issues with the platform. After reporting discrepancies my financial institution and Zelle failed to investigate my claims. They said recovering lost funds was impossible to track. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders 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 2025-01-15 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: GA

Complaint narrative:
I am here to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees that have accumulated on my account over the past years.despite having sufficient funds when the transactions where authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with CFPB findings against NF 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: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
On XX/XX/XXXX I filled a dispute with current bank to tell them that my card and phone was stolen and other items and my card was used without my permission I stated in the dispute that I was in the XXXX  from XX/XX/XXXX till XX/XX/year> and all the transactions were fraudulent but I had to send them every single receipt because they don't want to do there job and maybe I missed a few but I stated in my ftc report police Affidavit which was notarized and a XXXX  release form but my dispute was denied and the violated XXXX XXXX and XXXX XXXX because none of my disputes where investigated all transactions between those dates are fraudulent I changed my number on the account so I could use my account because I had money send there please reinvesting my claim and reopen my disputes

Company response to consumer: Closed with explanation