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

Complaint narrative:
I request that these accounts listed below and their account numbers be immediately deleted. I have also confirmed that I do not even have an XXXX credit report used to verify debt/account history/status that negates the previous statements of saying " verified '' and/or " accurate '' from the bureaus, which are false. 

Knowing that I have been affected by the XXXX XXXX XXXX, I have also included proof of this. Additionally, I will attach a copy of the current suit filed against Experian that illuminates how Experian has negatively and deceptively made false claims about following FCRA practices to accurately and thoroughly research any disputed information for millions of Americans over the years. I would also like to highlight that none of the XXXX bureaus ( Experian, XXXX, or XXXX ) allow me to dispute directly with them online, prompting my follow-up and inclusion of the CFPB 's protection. I have also included before-and-after credit reports showing when items in the past have been removed ; they are not reported accurately across each CRA, as required by the FCRA. Lastly, many of these accounts ( even in a closed status ) are being updated with a new balance, which violates my rights and allows for erroneous updates of late payments, further damaging my score, report, and financial ability to provide for myself when applying for necessities granted by having a healthy credit score. 

Below are the accounts I want to be removed and updated as such from my account : XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX  XXXX : Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX | Status : Closed | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXX | Status : Closed | Balance Updated : XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX Status : Closed | Balance Updated : XX/XX/XXXX Collection Accounts : XXXX XXXX XXXX XXXX XXXX Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XX/XX/XXXX | Balance Updated : XX/XX/XXXX XXXX XXXX XXXX : Account # : XXXX | Status : Opened XXXX XXXX, XXXX | Balance Updated : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Im writing to discuss a fraud situation I had on XX/XX/year>. Zelle didnt handle it at all and told me my money was lost. I have transfer images and the total amount that was taken out. A police report was made for the case and the case was closed nothing could be done. Zelle should have created better safety protocols to prevent fraud. I was left with no money as a XXXX XXXX  and it was the most difficult time of my life. I lost everything I had XXXX in my checking and it was all taken out. I have proof of everything I saved it and yet no one is able to help me. Zelle treated me as if I was lying about all the money being taken out and till this day Im struggling since those were all my savings. Please reach out if anything could be done. In the images of the transactions provided there are names of people who I have no idea are those transactions were not done by me. I have a police report but it provides my information I will send once responded to.

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:
Verbiage : I am filing 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Myself and many other customers of Capital One are not receiving our direct deposits. This issue has apparently been affecting accounts since Monday but Capital One sent out an email last night describing a vague technical issue. The email advised the issue would be resolved by Friday morning, it is now that morning and many XXXX  including me are still having our direct deposits withheld. This is an egregious issue as myself and many others are accruing late fees and bills are past due and I can not make these payments because I dont have my paycheck. Capital One still has the audacity to charge me late fees on my credit card account while they are experiencing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive been banking with Capital One for a year, holding both checking and savings accounts. I receive direct deposits from one employer every other Friday and from another twice a month, typically accessible up to a day before the scheduled pay date. However, this weeks paycheck hasnt been made available, and Capital One has failed to notify customers about a significant technical issue with a third-party vendor. Today is my payday, yet my direct deposit funds are still inaccessible. Reaching a Capital One representative has been impossible, and theyve shown a lack of transparency and security. Many people rely on their paychecks to get by, and this situation is unacceptable. Capital One has neither resolved the issue nor provided any assurance to its customers.

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: Money was not available when promised — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Theyve zelled me an amount last year but I was unavailable to recieve the money until 1 week later - due to the amount. The bank stated for security purposes

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: TX

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: 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: Great American Finance Co
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one has my direct deposit from my employer. Today XX/XX/year> is my pay day and {$1200.00} of my money is being held from me. I have contacted capital one numerous times today and keep getting the run around. I am a XXXX  mother of XXXX boys- I HAVE NO FOOD IN THIS HOUSE MY RENT IS DUE AND MY HARD EARNED MONEY IS BEING HELD FROM ME AND NO EXPLAINATION IS GIVEN. This is apparently the case with all capital one customers who were expecting thier paycheck yesterday and today. PLEASE HELP US.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
This is my third complaint this month!! And it is unacceptable that these FRAUDULENT account are still allowed to remain on my credit report > it has been over 30 days since the last investigation and they have started a new investigation without even sending information about last the last couple reports on investigation. They keep telling you guys that there still working on it when in all honesty there time has passed for them to continue to prolong deleting this information off of my credit report!!!!!!!!!!! It's been OVER 30 DAYS so continuing to furnish this information on my credit report is already in violation, so something needs to be done Immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practice, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions would be unfeasible. The CFPBs findings indicate that Zelle has not neglected to protect consumers but has also repeate offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm a victim of the of the XXXX Data Breach, as well as victim of the XXXX Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach which led to me being a victim of Identity Theft. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe XXXX 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested XXXX to provide their method of verification several times back in XXXX, XX/XX/XXXX, and as late as XXXX of 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm a victim of the of the XXXX XXXX XXXX, as well as victim of the XXXX Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach which led to me being a victim of Identity Theft. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe XXXXXXXX XXXX  handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested XXXX to provide their method of verification several times back in XXXX, XX/XX/XXXX, and as late as XXXX of 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 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 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, XXXX, 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 that Zelle has not only neglected to protect customers 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 customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Niagara Central Revenue
State: CA

Complaint narrative:
I was contacted by company on XX/XX/XXXX regarding a loan that I had defaulted in and was told I could complete payments and I will be contacted again in XXXX to see if we could settle the account. I proceeded to make my payment for this accountbut I received a call on XX/XX/XXXX from the Niagara Central revenue incorporation from number XXXX stating I have not made payments and they also said that they were going to suspend my driving license in regards to a violation and they gave me a penal code which I can not recall. I then asked for a debt collector license, which they were unable to give me the number. I also asked if there was anyway that they can give me a debt validation notice which she said that is not something they do. I asked if the past payments did if there was anyway, I could get confirmation of that and which she also declined said that they do not send anything via mail or email. They then stated I could settle the account for around XXXX today XX/XX/XXXX they asked me to confirm my Social Security number, which I did not. They also stated that there was something being sent to be a courier mail in regards to me being sued by them as I was not responding to their allegations, which I declined and they stated I would rather get sued or sent to court then to settle with them today. I just feel the action to threaten someone with suspending their drivers license When that is not something that is involved with what they are doing its very wrong and should not be done.

Company response to consumer: Closed with explanation