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: TX

Complaint narrative:
Im being overly charge for over draft fee from other companies charging my account and navy federal knows their is no money in the account and still charge me for not having money in my account. I have an overdraft protection plan on my account as well. I am a single mother and now i cant afford to these extra fees Ive been with the company for over 2 years and these fees are ridiculous.

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: AZ

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 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: MS

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX XX/XX/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: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Last XXXX XXXX Goldman Sachs Subject : Request for Removal of Inaccurate Late Payments - Account # XXXX Dear Sir/Madam, I am writing regarding my account # XXXX and the reporting of late payments associated with this account. After careful review, I believe these late payments are inaccurate and unjust. They have caused a significant negative impact on my credit report, leading to financial hardship and emotional distress. 

I would like to address this matter amicably and swiftly to avoid unnecessary escalation. As part of our agreement, arbitration is an option for resolving disputes ; however, I would prefer to resolve this issue directly with you to avoid the substantial fees and costs associated with arbitration. I am fully prepared to pursue arbitration and to uphold and ensure my rights are not violated. 

I am presenting two possible resolutions for your consideration : Remove the inaccurate late payments from my credit report and update the account status to reflect accuracy. 

Proceed to arbitration, wherein Goldman Sachs will incur arbitration costs and associated fees, which can be substantial. 

I strongly encourage you to take option one and resolve this matter promptly to avoid unnecessary expenses and prolonged conflict. 

Please respond to this letter within 15 days of receipt. I am confident we can reach a resolution that is fair and mutually agreeable without resorting to arbitration. please respond with how you would like to proceed. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX I used XXXX with XXXX XXXX over yhe years. I'm requesting any negative impact on my credit reporting be removed immediately. 
{$100.00} {$500.00} {$360.00} {$890.00} {$75.00} {$380.00} {$270.00} {$50.00} {$780.00}

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: 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 Transaction were authorized, I was charged late fees due to a lagged posting of charges and credit. This issue aligns with the recent CFPD finding against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and require an intervention into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: 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 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 status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I submitted disputes regarding inaccurate information on my credit reports to [ list credit bureaus, e.g., XXXX, XXXX, TransUnion ]. Despite the required 30-day investigation period outlined under the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX - XXXX o Incorrect account status o Included in bankruptcy XXXX. XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history o Account included in bankruptcy XXXX. XXXX  XXXX - XXXX o Incorrect payment history/rating o Incorrect credit limit/high balance o Included in bankruptcy XXXX. XXXX XXXX - XXXX XXXX Incorrect account status o Incorrect amounts ( other than balance/past due ) o Not a collection or charge-off o Included in bankruptcy XXXX. XXXX XXXX - XXXX o Included in bankruptcy XXXXXXXX XXXX XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history/rating o Account included in bankruptcy

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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted disputes regarding inaccurate information on my credit reports to [ list credit bureaus, e.g., XXXX, Equifax, XXXX ]. Despite the required 30-day investigation period outlined under the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  - XXXX o Incorrect account status o Included in bankruptcy XXXX. XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history o Account included in bankruptcy XXXX. XXXX  XXXX - XXXX o Incorrect payment history/rating o Incorrect credit limit/high balance o Included in bankruptcy XXXX. XXXX XXXX - XXXX XXXX Incorrect account status o Incorrect amounts ( other than balance/past due ) o Not a collection or charge-off o Included in bankruptcy XXXX. XXXX XXXX - XXXX o Included in bankruptcy XXXXXXXX XXXX XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history/rating o Account included in bankruptcy

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Went to Transunion website and disputed info. And the site never took info off or responded with what had happened with my dispites

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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have a savings account with Capital One and noticed that you are suing them for maintaining low interest rates on the 360 Savings account. I opened such an account approximately 9 years ago, which was their highest yield product. I hardly ever reviewed the account and only open the on-line account to transfer or deposit funds. The account has always had a balance of approximately {$200000.00}. Just a few days ago, my wife and I were carefully reviewing our various bank accounts and I was surprised and shocked to see that account was only earning 0.8 %! I immediately called and inquired about this problem. I was told by the customer rep that he was very familiar with the problem and immediately moved my account to a 360 XXXX XXXX account ( with the same number, access and password ). I was pleased to see that the new interest rate was 3.8 %, which is 4.75 times the existing rate. I tried to get more information about the drubbing I had taken, but that was all he was willing to share! Its ironic that just 5 days later I see the information about the lawsuit that CFPB has filed about this exact problem.

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:
Im formally filling this complain to express my concerns and discrepancy regarding Zelle. Ive use Zelle for quite some times now, but whenever I would make a report of lost fund. Zelle and my financial institution would fall short to investigate and track all my claims. They told me it was impossible to track all the lost funds. I reported XXXX of dollars and never got anything back, the only option they would give me was to close that card and get a new one to prevent me to lose more funds from my bank account. Such a big company was never able to protect all of their consumers from all the scams. I hope I can finally get some answer and some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jeff capsys states I owe them for a Verizon bill for the {$110.00} that I have no knowledge about and never set up. I disputed this account many times stating it was apart of identity theft and they still won't permanently delete it. It's been updated as of XXXX and is hindering me from building my credit back to excellent standing.

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: PA

Complaint narrative:
A company by the name of XXXX XXXX XXXX is on my credit report & should not be. I feel XXXX put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A company by the name of XXXX XXXX XXXX is on my credit report & should not be. I feel XXXX put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.

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

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 postings 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: 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 express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using the platform several times and reporting the issues, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but 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 to those of us that have to use these platforms for transfers money to other platforms for our bills. Whats the point if we cant be guaranteed our money back.

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 you to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit, highlighting, and sufficient issues with the platform. Despite using Zelle, numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that zelle has not only neglected to protect consumers and has also allowed repeat offenders to exploit the system.

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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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