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: 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: MD

Complaint narrative:
Experian has filed its legal obligation under the Fair Credit Report Act ( FCRA ) to 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 correction action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FC HoldCo LLC
State: MD

Complaint narrative:
Good Morning, My name is XXXX XXXX I am a recent Flagship Credit customer. 
My Account number is XXXX I purchased a XXXX XXXX XXXX in XX/XX/XXXX that was financed by Flagship Credit under fair terms at the time.I had some isome payments deferred XXXX, due to income/work issues. My payments were current fthrough the end of the loan. 
On XX/XX/XXXX I made what I believed was my last installment Loan Payment to Flagship Credit. 
In XXXX I received a call from Flagship which I promptly returned and was told that I has an outstanding balance of {$3200.00} for what I understood was interest. When I spoke to the Customer Service agent, I was told that I no longer had any installment payments remaining. I was told that I had a remaining balance which I was told was interest accrued. I told them that could not make the lump sum payment and agreed to continue to pay the debt. 
On XX/XX/XXXX I paid XXXX via the electronic portal. 
On XX/XX/XXXX, I made a payment of {$700.00} via the XXXX XXXX. 
On XX/XX/XXXX I paid XXXX via the electronic portal. 
On XX/XX/XXXX, I made a payment of {$700.00} via the XXXX XXXX. 
On XX/XX/XXXX, my vehicles transmission failed and I received and I received an estimate of over {$7400.00} for the repair. 
on XX/XX/XXXX I called Flagship about possibly settling the remaining amount since my vehicle was no longer operable ( Transmission failure ) and the repair was too costly Over {$7400.00}. 
I was asked to send the Repair estimate to Flagship, and I did so. 
On XX/XX/XXXX I followed up with a phone call and was told that a supervisor would be informed. 
On XX/XX/XXXX I followed up with an email and a Phone call requesting the status and was told the settlement was approved and that I would receive the settlement via email. 
On XX/XX/XXXX I followed up and called Flagship Cust Service and was told a message would be sent to the account manager. 
On XX/XX/XXXX I followed up and called Flagship Customer Service and was again told that a message was sent to a Supervisor. During these exchanges, I was never informed that the account was going to be past due or that it would be reported late. Otherwise I would have withdrawn the money from my retirement account and paid off the debt as I did in XXXX. In XXXX, Flagship Credit Posted my account as paid in full and XXXX  days late.

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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Charging illegal, surprise overdraft fees on purchases made with sufficient funds : Navy Federal charged fees to consumers whose accounts showed sufficient funds when making purchases, only to charge fees when the transactions were later processed. 
Charging overdraft fees caused by delayed peer-to-peer payments with undisclosed processing times : The credit union showed incoming payments from services like XXXX, XXXX, and XXXX XXXX as available to spend, but failed to disclose that payments received after specific cutoff times would not post until the next business day, while still charging overdraft fees to some customers who attempted to use these apparently available funds.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( 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 2025-01-16 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 concerns regarding Zelle 's handling of disputes. Particularly in light of the cfpb lawsuit highlighting significant issues with the platform despite having issues with the platform I was unable to achieve a resolution based on there not being any options to recover sent money zelle has left customers vulnerable and unprotected

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 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I was using XXXX on my Chase Mobile App and I typed in the wrong number sending someone {$500.00}. I called Chase immediately after and they were no help. I was told that since the transaction came from my mobile device they were not able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I would like 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 postings of charges and credits. This 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 2025-01-16 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 formally writing to complaint how Zelle has handled my disputes with respect to the CFPB lawsuits. Despite complaints, Zelle told me it was impossible to retrieve my lost funds and transactions. The CFBP has found that Zelle has cheated customers and they are protecting the consumer.

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 filling a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding navy federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Everytime there is insufficient funds Im being charged a XXXX $ fee

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: NJ

Complaint narrative:
I was told to send a Zelle payment to an auto body shop in order for them to fix my car. The car was never fixed and my money was never reimbursed. I left my car at this shop for a month and they were giving me false updates on how the car was being fixed. They never touched the car. Just let it sit there for a month lying and stalling as long as they could to just steal my money. Telling me they were waiting on parts that were never orderd in the first place. When I finally show up to see what's going on, despite them telling me don't come for a few more days because the car is getting painted ( it wasn't ). I ask for a refund and of course they stop answering the phone when I call and never give me the money back. {$1200.00}. When I reported this Zelle transaction, they did nothing to help me. The didn't try to get the money back or help in any way. I was robbed and scammed out of my hard earned money. I'm glads the CFPB is suing Zelle for continuously letting people exploit the system and offering no protection for their users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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

Complaint narrative:
I am Writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle Several times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and that tracking these transactions were unfeasible The CFPBs findings that Zelle not only neglected to to protect customers but also allow repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customers, privacy and safety.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I purchased a generator from a 3rd Party seller on XXXX but used my Discover It card to pay for the purchase. 3rd Party seller sent me an E-mail saying the generator was damaged in shipment so I contacted Discover to tell them. They did a charge back from XXXX, but of course they had to notify XXXX that we did not receive the generator. Evidently, the 3rd Party seller provided XXXX a XXXX Tracking number which both XXXX and Discover used as proof that I did indeed received the generator. However, and here is the rub, written in black and white on the proof XXXX sent to Discover the UPS Tracking number was for a ONE POUND ENVELOP!!!!! By the way, I did receive the envelop, it was empty and I still have it as proof. I contacted Discover many times, also XXXX. Here is what Discover told me, they paid XXXX based on the information XXXX provided and I had to call XXXX to get the money refunded. XXXX told me that they couldn't find the transaction. 
Discover has written this debt off, however, this negative ding on my credit will be of record for the next 7 years, and has lowered my credit rating. I am being penalized because of whom ever reviewed the information, did not do their due diligence.

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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hi, I filled a dispute with XXXX XXXX for {$10000.00} and that dispute was in my favor. I have attached the email confirming from tthe member services that my membership is closed and dispute was in my favor. Now I am contacting Amex and theg are saying they have not received the money, but the merchant keeps saying the money was sent to the bank. Please assist me with this dispute. 

We had purchased weeks of vacation and also membership of XXXX. When we got access to see in computer what was offered in the XXXX  membership we didnt like it and we went to the office next day to cancel the membership. We cancelled the membership and filled dispute the next day of signing up. Our card was caharged on XX/XX/year> and we filled dispute on XXXX XXXX with American Express.

Company response to consumer: Closed with monetary relief