vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had sent my rent money to my godmother it was XXXX but it was not letting me send it so I sent XXXX and XXXX. The first one was sent and then the second one sent but for some reason the money wasn't sent to her bank account. I had only realized because she asked me if I had sent her the rest of the money because it had just sent me a message saying that the money was sent and was confident that the money was sent. I ended up going to visit my closest branch in hopes that they would be able to assist me with what happened. The bank teller was unfortunately able to help me, and I had even brought my godmother in case she needed to show proof that the money was not in her account. The exact dates are a little vague because I did think that this money was just lost and I could not do anything about it, but it was in late XXXX XXXX of XXXX. Till this date they ever were able to assist me with anything and I just counted that money as lost money.

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: KY

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 furnishes, 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 immediate corrective action to remove or amend the disputed accounts, as Experians 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: 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Dispute Regarding Inaccurate Account Information Dear Experian, I am writing to formally dispute the inaccurate reporting of erroneous account information on my credit report. This issue is similar to those currently under scrutiny in legal actions against Experian, underscoring the urgency of my concerns. 

This raises serious doubts about how Experian is verifying the information. 

Erroneous Reporting of Closed Accounts Additionally, the following accounts are inaccurately reported with past-due balances despite being closed : XXXX XXXX  XXXX XXXX {$530.00} XXXXXXXX XXXX XXXX XXXXXXXX accounts with the same number ) Amounts : {$890.00}, {$1000.00} XXXX XXXX  Amount : {$15000.00} XXXX XXXX XXXX  Amount : {$3700.00} XXXX XXXX  XXXX XXXX {$1200.00} XXXX Amount XXXX {$1900.00} XXXX XXXX Amounts : {$15000.00} XXXX XXXX ( I never had a contract with this company and Experian stated they verified it as mine with no proof ) Closed accounts can not carry past-due balances. These inaccuracies suggest that Experian has failed to conduct a proper investigation into my disputes, in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. 

Legal Obligations I am aware of the ongoing legal actions involving Experian, which highlight similar concerns regarding inaccurate reporting and failure to investigate disputes adequately. It is imperative that Experian complies with its obligations under the FCRA to ensure the accuracy of consumer reports and to thoroughly investigate disputed information. 

Actions Requested Delete Inaccurate Information : The inaccurately reported closed accounts from my credit file. 
Provide Proof of Investigation : Supply verifiable documentation of how the disputed information was investigated and verified. 

Failure to address these concerns promptly will leave me with no choice but to escalate this matter by filing further complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action. 

I request a written response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-15 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: NV

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 Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated 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: 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 belieive 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle issues with fraud payments without warning and no way to get money back since 2017

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have asked them to removed old information from my credit reports and they will not removed any information.

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: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am filing a formal complaint against Zions Debt Holding for unlawfully reporting a debt on my credit report without a contractual agreement or legal basis. I have never conducted business with Zions Debt Holding, nor have I authorized any transactions or obligations with them. Under 15 U.S.C. 1692c ( c ), communication about a debt, including credit reporting, is prohibited after a refusal to pay, which I have made clear. Additionally, Zions Debt Holding has violated 15 U.S.C. 1692g by failing to provide validation of the alleged debt, despite my legal right to request proof. A business search confirmed that Zions Debt Holding is not registered to conduct business in the state of Texas, meaning they lack the legal authority to collect or report debt in the state. Furthermore, the alleged original creditor has been unable to verify this account, further proving its invalidity. I am demanding that this account be removed from my credit report within 4 days, as required under 15 U.S. Code 1681c-2. Failure to comply will result in legal action to protect my rights, including pursuing damages for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable resoonses, and failing to adequately notify consumers of dispute outcomes. These failures akign with my experience, where Exoerian has neither corrected nor removed disputed items despite tge evidence i provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend tge disputed accounts, as Experians 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: IL

Complaint narrative:
I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Even though I have used Zelle multiple times I have report the discrepancies the financial institution, and Zelle have failed to adequately investigate these discrepancies. 
They were saying that tracking these transactions were not feasible. They allow people to exploit the system and do not protect their users. The lack of unaccountability and transparency is unacceptable and raise a serious concerns for 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: 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: VA

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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as 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: 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: TX

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 in accurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFBP ) has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to forward consumer provide evidence to furniture, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing. Im requesting immediate of corrective action to remove or amend the disputed accounts as experience 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: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Control, LLC
State: TX

Complaint narrative:
The Credit Control , LLC put a debt collection on my credit report. I have no idea what this debt is so I sent them a certified letter requesting a 1099 C form to prove it's existence. Please remove this from 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 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:
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 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 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone opened a account in my name and destroyed my credit profile upon reaching out to the company for removal nothing was done, after further reviewing account i noticed many errors with the account such as the wrong spelling of The name and also the incorrect address. i tried reaching out to the company myself but nothing was done so now I'm here submitting a complaint to the cfpb.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone opened a account in my name and destroyed my credit profile upon reaching out to the company for removal nothing was done, after further reviewing account i noticed many errors with the account such as the wrong spelling of The name and also the incorrect address. i tried reaching out to the company myself but nothing was done so now I'm here submitting a complaint to the cfpb.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone opened a account in my name and destroyed my credit profile upon reaching out to the company for removal nothing was done, after further reviewing account i noticed many errors with the account such as the wrong spelling of The name and also the incorrect address. i tried reaching out to the company myself but nothing was done so now I'm here submitting a complaint to the cfpb.

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: NJ

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 infeasible. The CFPBs findings indicate the 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: 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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: 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 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. 
I want the CFPB

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
widespread fraud on Americas most widely available peer-to-peer payment network. XXXX XXXX XXXX, which operates XXXX, along with the bank that I used which was XXXX  for personal and business accounts.

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