vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
I am submitting this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not conducting reasonable reinvestigations of disputed information on my credit report. Despite providing evidence and filing multiple disputes, Experian has failed to take corrective action, leaving inaccurate or unverifiable accounts unresolved. 

This failure is consistent with the allegations in the CFPBs recent lawsuit against Experian, which cites systemic issues, including : 1. Failing to forward consumer-provided evidence to furnishers.

2. Accepting unreliable or unverifiable responses from furnishers.

3. Failing to provide adequate dispute outcome notifications to consumers. 

These issues align with my experience. Below, I have detailed the accounts I disputed and Experians inadequate response : Disputed Personal Information Correct Name : XXXX XXXX XXXX ( accurately reported by other credit agencies ). 
Incorrect Names : XXXX XXXX, XXXX XXXX XXXX. 
Correct Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
XXXX XXXX XXXX, XXXX, NY XXXX ( missing apartment number ). 

Disputed Accounts 1. XXXX XXXX ( Account # XXXX ) Before Dispute : Updated during dispute processing in XX/XX/year>. 
After Dispute : Updated again in XX/XX/year> with no substantive changes or reinvestigation evidence. 
2. XXXX XXXX XXXX Before Dispute : Updated during dispute processing in XX/XX/year>. 
After Dispute : Updated again in XX/XX/year>, but no corrections or verification details were provided. 
XXXX. XXXX XXXX XXXX ( Account # XXXX ) Before Dispute : Updated during dispute processing in XX/XX/year>. 
After Dispute : Updated again in XX/XX/year>, yet inaccurate information remains unresolved.

Nature of Experians Violations Experians actionsor lack thereofdemonstrate : No meaningful reinvestigation or verification of disputed information. 
Failure to forward evidence provided by me to furnishers. 
Unjustified reliance on unverifiable responses from furnishers. 
Non-compliance with FCRA requirements to correct or delete inaccurate information. 

These systemic failures have caused ongoing harm to my credit standing, including reduced creditworthiness and financial stress.

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 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MA

Complaint narrative:
My grandmother passed away in XXXX, and I was informed by PNC Bank and the estate executor that I am a beneficiary of her IRA account. Since XX/XX/year>, PNC Bank has delayed releasing the funds for over five months. 

Key Issues : 1. PNC Bank repeatedly claims a notarized L8 form is missing, needed by the State of NJ where the account sits. However, I have a copy of the notarized original and the certified mail receipt with PNCs signature confirming delivery in XX/XX/year>. 

2. During a call on XX/XX/year>, PNC confirmed receipt of the L8 form, stated all documentation was in order, and assured me the check was being processed. Despite this, I continue to receive conflicting letters claiming the L8 is missing. 

3. I sent a Final Demand for Payment letter via certified mail on XX/XX/XXXX, giving PNC Bank 10 business days to release the funds. They have not complied. Instead, they sent another letter with a number to call, but multiple attempts to reach this number have resulted in voicemail or mailbox errors. 

I have call logs and certified mail documenting my extensive efforts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Asked to remove several inaccuracies on credit report under the FCRA and subsections that did not accurately reflect on my credit report. Alongside with removing any potential negative remarks from lenders or accounts closed that could potentially be impacting my credit score or credibility. I did not consent to any of this information to be shared with collections agencies or creditors and want it removed.

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 2025-01-15 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 fie a complaint agaist Navy Federal Credit Union regaurding mulitiple overdraft fees i have incurred. Despite having sufficient funds when the transactions were authoirized, i was charged fees due to lagging postings of charges and credits. this issue aligns with the recent CFPB findings agaist Navy Federal for similar practices, where transactions settld with insufficient balances despite initially avaible funds. i believe these practices are unfair and request and 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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2025-01-15 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 concern 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, Zelle and my financial institution failed to adequately investigate my claims. They advised me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only failed to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of unaccountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that appears on my credit report from XXXX XXXX XXXX XXXXXXXX XXXX XXXX This inquiry was made as part of XXXX XXXX See if you pre-qualify tool, which I used with the understanding that it would involve a soft inquiry and not a hard inquiry. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b, a soft inquiry should not be reported as a hard inquiry. The pre-qualification process explicitly states that it is a non-binding check to determine eligibility, which typically involves only a soft inquiry. Therefore, a hard inquiry under these circumstances was unauthorized. Additionally, the Truth in Lending Act ( TILA ) requires creditors to fully disclose all terms and conditions of any credit inquiry, including whether it is a hard or soft pull. XXXX XXXX tool did not adequately disclose that a hard inquiry would take place. This lack of proper disclosure violates the TILA. I respectfully request that this hard inquiry be removed from my credit report as it was made under misleading and unauthorized circumstances.

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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 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 would be impossible and that tracking these transactions was unfeasible. The CFPBs 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 2025-01-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear CFPB, I am filing this complaint to report unauthorized activity on my credit report due to identity theft. There are multiple accounts and debts listed on my report that I did not open or authorize. Below are the specific details : 1. Account with XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX This account was opened when I was underage and did not have access to my credit. I did not authorize or open this account. 

2. Debt with Portfolio Recovery Associates Date Reported : XX/XX/XXXX This is a debt I have no connection to. I reported this issue to the police, but they informed me they were unable to assist further. 

3. Unauthorized Addresses on My Credit Report XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX These addresses are not associated with me, and I have never lived at or used these addresses for any purpose. Also, 8 names on my credit report. My name is XXXX XXXX XXXX. XXXX XXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Also, phone numbers that are not mine. ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular I have taken steps to address this issue, including filing a police report and contacting the credit bureaus, but the unauthorized accounts and debts remain on my credit report. This has caused significant harm to my credit score and personal financial situation.

I am requesting CFPBs assistance in : 1. Ensuring that the unauthorized accounts, debts, and addresses are removed from my credit report. 

2. Restoring my credit score to its correct standing.

3. Preventing further misuse of my identity by working with the affected institutions.

I am willing to provide any additional information or documentation necessary to assist with the resolution of this matter. I sincerely appreciate your time and attention to my case. 



Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX issues, sending to wrong XXXX or person no longer has that XXXX  account and cant get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/ I did a XXXX in the amount of {$100.00} XX/XX/ I don't know what that is. 
These are hard inquiries on my credit report. Your website states anything under the amount of {$3000.00} would not require a hard pull. If these are not removed you all are false advertising your service.

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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am disputing the collection account with NAVY FCU account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that NAVY FCU provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: KY

Complaint narrative:
I am formally writing a complaint about Zelle. I am concerned that they provide no customer service and in the past when I have sent Zelle and had an issue there was no one to fix the issue. They have neglected their consumers and should be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive been disputing theseXX/XX/XXXX accounts since XX/XX/XXXXXX/XX/XXXX For my friend using my information to get XX/XX/XXXX loans. Also each XX/XX/XXXX account shows incomplete and inaccuracies on my credit report. Which is a violation of the FCRA and Ive attached the laws below. My credit report inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Experian have yet, to do their job the correct way without relying on the furnisher or E Oscar system. Please investigate these accounts accordingly and delete these accounts from my report to avoid future litigation. Where are my results????? Showing validation of eachXX/XX/XXXXXX/XX/XXXX account? I asked for it XX/XX/XXXXXX/XX/XXXXwith a certified mail receipt and again XX/XX/XXXXXX/XX/XXXXand again XX/XX/XXXX. Because it wasnt provided within 30 days these accounts should be removed immediately. This is the exact reason, for the cfpb lawsuit against experian. 


Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes. 

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability.

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 2025-01-15 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:
l 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