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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation 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 systematic issue 's Such as failing to forward consumer Provided evidence To furnishers, accepting unreliable responses And failing to adequately notify consumers Of dispute outcomes. These failures align with my experience Where XXXX  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  in action 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation 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 systematic issue 's Such as failing to forward consumer Provided evidence To furnishers, accepting unreliable responses And failing to adequately notify consumers Of dispute outcomes. These failures align with my experience Where XXXX  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  in action violates federal law and my rights as a consumer.

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: 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 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. 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 2025-01-16 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 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Unauthorized Hard Inquiries on My Credit Report Dear CFPB, I am writing to file a complaint regarding multiple unauthorized hard inquiries on my credit report. These inquiries have negatively impacted my credit score and were conducted without my knowledge or consent. 

Inquiries from XXXX The following inquiries appear on my XXXX credit report and were not authorized : XXXX  XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> XXXX  XXXX ( Finance ), dated XX/XX/year> XXXX ( Finance ), dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> XXXX XXXX ( Finance ), dated XX/XX/year> Inquiries from Equifax The following inquiries appear on my Equifax credit report and were also unauthorized : XXXX XXXX XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year> XXXX  XXXX, dated XX/XX/year> XXXX XXXX, dated XX/XX/year> XXXX XXXX XXXX, dated XX/XX/year> Explanation of Events In XX/XX/year>, I visited a XXXX XXXX XXXX purchase a vehicle. I was already prequalified for financing through XXXX XXXX. Before that I had spoken to a representative over the phone that was giving option to refinance another vehicle that I had but I just ended up going to the XXXX and purchasing a vehicle with the loan that a had already been pre approved, After purchasing the vehicle, I attempted to contact the representative to confirm that I did not wish to pursue any refinancing offers. Unfortunately, I was unable to reach them, and they did not follow up with me. Shortly afterward, I discovered multiple hard inquiries on my credit reports from lenders I neither authorized nor was aware of.Even weeks after I receive another hard inquiries as soon as I unfreeze my credit. 

Key Issues 1. I did not authorize any of the inquiries listed above.

2. The dealership submitted my credit information to multiple lenders without my explicit consent.

3. These unauthorized inquiries have harmed my credit score and financial reputation.

Request for Action I am requesting the CFPBs assistance in the following : 1. Investigate the unauthorized hard inquiries listed above.

2. Ensure that the inquiries are removed from my credit reports ( both XXXX and Equifax ). 
XXXX. Hold the dealership or any responsible parties accountable for their actions. 

I have already taken steps to dispute these inquiries directly with the credit bureaus However, I believe additional oversight and action are necessary to resolve this matter. 

Thank you for your attention to this issue. I am happy to provide additional information or documentation if required. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ] [ XXXX ] [ 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: NY

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB law suit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle has failed to investigate claims adequately. They informed that recovering lost funds are impossible.this leaves for scammers to be vulnerable. This lack of transparency is unacceptable and it raises concern to safety measures.

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:
Use of Zelle through XXXX XXXX  : 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Cease and Desist Request and Deletion of Collection Account Account Number : XXXX Credit Report Number : XXXX To Whom It May Concern : This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) that I am disputing the validity of the above-referenced collection account reported by your company. I am requesting the immediate deletion of this account from my credit report and that you cease all further collection activity. 
In accordance with 15 U.S. Code 6802, your company is required to respect the privacy of consumers and limit sharing of personal information. Additionally, pursuant to 15 U.S. Code 1681c-2 ( Section 605B of the FCRA ), I am invoking my right to dispute the accuracy of this information on my credit report. If you can not verify the account or confirm its legitimacy, you are obligated to remove it from my file with all credit reporting agencies. 
I also request that all communication regarding this matter be made in writing to the address listed above. You are prohibited from contacting me via phone, email, or any other method per the Fair Debt Collection Practices Act ( FDCPA ). 
Failure to comply with this cease-and-desist request and the provisions of the FCRA and FDCPA may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and my states Attorney General 's office. 
Please confirm, in writing, that you have received this letter and that you will delete the collection account from my credit report. I expect a response within 30 days of your receipt of this correspondence. 
Sincerely, XXXX XXXX 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: OK

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: 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptyXX/XX/XXXX (error) never filed please remove from credit report public records

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankrupty XX/XX/XXXX (error) never filed please remove from credit report public records

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX 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 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 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They hit me recently for a {$35.00} overdraft fee for XXXX and I was getting to that

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 to fulfill my legal obligations. Under the fair report act to conduct reasonable investigations on my credit report. Leaving inaccurate or unverified accounts unresolved. The consumer financial protection agency as already filed a lawsuit for systemic issues such as, failing to provide edvince to furnishers and failure to adequately notify us of the findings in detail. In this case experian jas neither correct or nor removed anything. Same day disputes are made they are completed.

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: VA

Complaint narrative:
The recent CFPB lawsuit has brought to light serious flaws in Zelles dispute resolution process, which I have personally experienced. Despite raising concerns about discrepancies in my transactions, neither Zelle nor my financial institution conducted a proper investigation. Instead, I was told that recovering my lost funds was impossible and tracking the transactions was not feasible. The CFPB findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to continue exploiting the platform, leaving users like me 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: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issues with XXXX had chase account and i lost my transfer {$150.00}.

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: MD

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 CFPB findings indicate that zelle has not only neglected to protect its customers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scamming.

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 to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation 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 systematic issue 's 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 experians in action 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