vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
cashapp has not resolved this issue and the police officers have done nothing to help me out

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

Complaint narrative:
I had an issue with Zelle a few years ago where money wasnt transferred to the right person properly and they did not resolve it for me. There wasnt clear confirmation of the recipient and by the time I realized it wasnt right, the money was transferred from my account and there was no way to get it back.

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: TX

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 filings 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting ( 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, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where 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 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: 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: KY

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting ( 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, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where 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 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: 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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: NJ

Complaint narrative:
Experian had 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 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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with 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 finding 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 — International money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Whenever I logged into the XXXX XXXX app, I went to go make a Zelle payment to pay somebody and then it ended up not showing me the fraudulent scam and that shows you like if you send this payment itll it might be a fraudulent or scam so be careful like the caution for so I ended up not sending it because they just sent through and then whenever I asked for the money back and never came back and they said well youve made the payment so we cant pay like we cant give it back and I was like well. It wasnt a fraudulent scam notification.

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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union ( NFCU ) charges me an ATM fee every time I try to withdraw money from my account, regardless of whether the transaction is successful or not. 

If I have money in my account, but the ATM doesn't dispense any cash, they still charge me a " Denied Transaction Fee '' of {$1.00}. 
If I don't have any money in my account, they also charge me an ATM fee. 
This is incredibly frustrating because I'm being penalized even when I'm not able to withdraw any 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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information contained in a background report that your company provided. I recently obtained a copy of my background report and discovered that it includes incorrect information regarding a debt associated with XXXX. This debt was the result of identity theft and has already been investigated and removed from my credit report by Experian. 

To address this matter, I submitted a police report and an identity theft report, which led to the debt being deemed invalid and subsequently deleted by Experian. However, this same erroneous information remains on my background report, which is both misleading and harmful to my personal and professional reputation. 

Additionally, I would like to highlight the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to ensure the accuracy of consumer reports and conducting sham investigations of consumer disputes. This underscores the critical importance of complying with federal laws and maintaining accuracy in reporting. More details about the lawsuit here : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ Enclosed, please find the following documents to support my dispute : 1. A copy of the police report ( labeled as Exhibit A ).

2. A copy of the identity theft report ( labeled as Exhibit B ).

3. Documentation from Experian confirming the removal of the disputed debt ( labeled as Exhibit C ).

4. A copy of the relevant background

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are enclosed for your review and consideration.

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 status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally address my ongoing concerns regarding the handling of my disputes and the lack of proper investigation into the fraudulent activity that has been affecting my credit report. 
Since 2023, I have been submitting disputes to Experian regarding several inaccuracies on my credit report, including accounts, names, and addresses that do not belong to me. Specifically, I have been working to resolve fraudulent information resulting from the theft of my car in 2023, during which my personal information was compromised and used without my consent. 

Despite providing detailed documentation supporting my claimssuch as a police report, a theft report, IRS filings, and other relevant material. Experian has repeatedly closed my disputes without adequately validating the information or conducting a thorough investigation. This lack of action has been both frustrating and detrimental to my financial well-being, as these inaccuracies continue to negatively impact my credit score and financial reputation. 

I have made multiple attempts to ensure that Experian investigates these discrepancies thoroughly, but the closure of my disputes without proper investigation leaves me with unresolved issues. To date, no sufficient explanation has been provided regarding why my disputes were closed without a comprehensive review or a fair resolution. 

As a consumer, I have a right to an accurate and fair credit report, and it is Experians responsibility to thoroughly investigate the information that is reported. I respectfully request the following actions : A full and proper investigation of the fraudulent accounts, names, and addresses listed on my credit report. 
Confirmation of my identity as a victim of identity theft, along with a clear explanation of how the investigation is being handled. 
A thorough review of the documents I have submitted, including the police report, IRS filings, and any other relevant paperwork, to ensure that they are being given proper consideration. 
The immediate correction of any inaccurate or fraudulent information on my credit report, with appropriate updates made to my credit file. 
A formal response detailing the actions taken, with clear documentation of any corrections or adjustments made to my credit report. 
Please acknowledge receipt of this letter and provide me with a written response detailing the steps you are taking to resolve these issues. I request that you promptly reopen my dispute cases and ensure that they are investigated and addressed in compliance with the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX that has no credit history. After applying for student loans, it was discovered there were some items I'm not familiar with on my credit. I reached out to the companies they were very rude and unhelpful. I reached out with my financial aid XXXX next to me. Followed all steps they provided. The fraudulent accounts are still on my credit report. I can't afford to have a credit card or any equipment they say I have because I'm a XXXX XXXX XXXX XXXX XXXX The accounts were open fraudulently.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am in the public student loan forgiveness ( PSLF ) program with Mohela and FSA. On XX/XX/XXXX I submitted a plan change form, which was date stamped XX/XX/XXXX as the official day of receipt. Mohela has XXXX days to process that form, during which, I am in an administrative forbearance which IS ELIGIBLE towards my PSLF payment count. 

As of today, XX/XX/XXXX, my form has still not been processed. Additionally, XXXX, XXXX, XXXX, and XXXX, remain in the forbearance resulting from the court injunction. This is in grave error. As my forbearance status should be administrative and eligible while the form is being processed. XXXX failure to change my status and or process my form has delayed my forgiveness by XXXX months. XX/XX/XXXX would have been my XXXX eligible month and payment. 

I have called Mohela over XXXX times and FSA even more, as Mohela is almost impossible to reach someone. Mohela directs me to FSA, FSA directs me to Mohela, and no one can or will change my status despite the policy.

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: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I used XXXX with my old Chase account around XXXX year. Chase was my main bank I used at that time. XXXX day I was at work and go a call on my cellphone from Chase bank. stating someone was using my debit card at a XXXX in XXXX, FL. The person asked was it me. I replied no it is not. Since the person of Chase, called my cell phone, I immediately called that same number from my job phone to verify it was Chase, and it was! Proceeded to say I needed to XXXX money to my son so the person could not use my debit card. I ended up sending XXXX $ through XXXX to my son. Which in return he never received the money. I was scammed. I called Chase once I figured out what happened, but it too late my money was gone. Chase did nothing to help me retrieve money. They even insinuated I took my own money! Chase told me it was nothing that could be done because no one logged out of my account from somewhere else. I was told they are not affiliated with XXXX.

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: TX

Complaint narrative:
Overdraft fees from Navy Federal. Navy Federal knowingly approved charges although 0 balance and overdraft fees charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation