vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
data breach exposed personal information I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered " consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach

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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with CFPB findings against Navy Federal credit Union where transactions settled with insufficient balances despite initially available funds. I believe that these practices are unfair and would like 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
My account was being allowed to overdraft, so that the bank could collect overdraft fees.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I found out about XXXX weeks ago that Chase had closed my Chase Freedom XXXX XXXX account that I have had with them for 30 years, without warning and without notice. 

I feel this is completely unfair for it dropped my credit score AND lowered my purchasing power. I asked the agent on the phone why this happened and she said that it was not in my notes as to why just that it was closed in XXXX. 

I have been in good standing with Chase for 30 years. As far as I can recall, I do not ever remember even being late on a payment. This really upsets me, however, I am willing to work with them to get this card reinstated because I really took a hit on my credit score dropping because it effected the average age of my accounts, and it will take me 9 years to get a new card back up to that status. It also lowered lowered my spending power by almost 20 %.

I would really like for my account to be reinstated. It even still has {$10.00} credit on it from rewards that I had not used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Financing Corporation
State: GA

Complaint narrative:
the company cfg merchant solutios llc on XX/XX/XXXX made me a loan of XXXX telling me that they were going to charge me an interest of 15.16 % and I signed online and when I reviewed the contract they are charging me XXXX dollars in interest which is an abuse and does not agree with the interest rate that they told me. In addition, they did not take into account a payment of XXXX from XX/XX/XXXX and they have a payment of XXXX and it is XXXX from XX/XX/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 with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
So my phone got stolen a someone accessed my chime account and sent money too my XXXX  then too there XXXX in the amount of XXXX an I disputed the transaction with chime but they denied the dispute for no reason an I really need that money back because I have bills I have need to pay

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX DOB : XX/XX/year> - SSN : XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX DOB XXXX XXXX  - SSN : XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

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 CFPD 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a full request to investigate the creditors listed on my report which have incorrect late payment information and/or amount owed and or wrong and invalid information that does not belong to me. ( Creditors include - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accounts. ) Recently, there were 2 hurricanes we were impacted by back to back in XX/XX/XXXX through XX/XX/XXXX. I immediately call each above creditor and the payment arrangement I previously was making for the accounts that were not charged off via a 1099c allowed me to skip XXXX, XXXX and XXXX payments. So no account was late or missed above. In addition, some of the companies honored a 1099c because, I explained Since late XXXX, I have endured a series of significant medical challenges, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These conditions have caused debilitating symptoms, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite seeking specialized treatment at leading medical institutions such as the XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, my condition remains unmanaged. 
My medical circumstances have led to substantial financial strain, as insurance coverage was insufficient to address ongoing treatment costs. Consequently, I relied on credit cards and loans to finance my medical care. Currently, I am pursuing XXXX benefits to address my reduced capacity to work. However, my immediate focus is on essential living expenses and ongoing medical care, leaving me unable to repay this debt. My investigation was dismissed without validating the current 1099c and incorrect account info, late pay info and etc. Therefore, I am still this credit agency applies 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i, 15 U.S. Code 1681s-2, 15 U.S. Code 1681c, 15 U.S. Code 1681m. I request they follow and investigate or provide accurate information, reference 15 U.S. Code 1681s-2. I request as well code 15 U.S. Code 1681i ( a ) ( 5 ) to demand the removal of unverifiable 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 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: 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 my lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account must be deleted. The status of this account has several misleading information by XXXX XXXX and 2 Credit bureaus. As you can see by my attached credit reports and highlighted issues.

This information is NOT CORRECT & NOT ACCURATE.

Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by XXXX XXXX and 2 credit bureaus. I have reviewed my records after receiving an updated report from TransUnion. I never received anything from XXXX. Problem with the company 's investigation into an existing problem not verified correctly. According to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter. 
I provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip.

all three credit bureaus are reporting different information.

payments are showing unknown/never late so how could it be a charge off.

account status derogatory and paid.

The account is beyond the statute of limitations ( 9yrs ) TransUnion and XXXX are extending the years.

account closed showing different dates.

last payment made shows different dates. 
not showing all the years paid since 2015. 
Thank you for your prompt attention to this matter.

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 status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account must be deleted. The status of this account has several misleading information by XXXX XXXX and 2 Credit bureaus. As you can see by my attached credit reports and highlighted issues.

This information is NOT CORRECT & NOT ACCURATE.

Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by XXXX XXXX and 2 credit bureaus. I have reviewed my records after receiving an updated report from XXXX. I never received anything from Equifax. Problem with the company 's investigation into an existing problem not verified correctly. According to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter. 
I provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip.

all three credit bureaus are reporting different information.

payments are showing unknown/never late so how could it be a charge off.

account status derogatory and paid.

The account is beyond the statute of limitations ( 9yrs ) XXXX and Equifax are extending the years.

account closed showing different dates.

last payment made shows different dates.

not showing all the years paid since 2015.

Thank you for your prompt attention to this matter.

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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred. 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 finding against Navy Federal for similar 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today XX/XX/year> I received an alert through my current credit monitoring service that my Transunion is reporting that an account had been added to my credit profile. The company that has been added is XXXX XXXX XXXX, and it is reported that this company is a " Debt Buyer Account '' so this company is categorized as a debt collections company. But I do not know what this debt is, and where this debt originated, therefore my only assumption is that it is a debt based on fraudulent basis. This is not my debt nor an account that I am responsible for. So this complaint is to inform the debt collector I do not intent to pay money that I do not owe.

According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

If this is not removed from my credit profile with Transunion I will proceed to file further complaints with the State Attorney General 's office and I will also be filing XXXX complaints. This will the the start of a series of complaints filed if the reporting of this erroneous debt continues.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

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 transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and I 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
I have student loans being serviced by MOHELA. I have been on the SAVE plan. Once SAVE plan users were placed on general forbearance, interest should not have been accruing. I noticed that MOHELA continued to accrue interest month after month on my total loan amounts even though no interest should be accruing at all. Several e-mails have been sent, and phone calls placed, without response from MOHELA.

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: DC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: 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 lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). This lawsuit highlights significant issues with the platform, and I believe these concerns are relevant to my own experiences with Zelle. Despite being a long-time user of Zelle and having used the platform for numerous transactions, I have faced repeated challenges when reporting discrepancies. On multiple occasions, I have raised concerns with my financial institution and Zelle regarding unauthorized or erroneous transactions. Unfortunately, I found that both Zelle and my bank failed to adequately investigate these claims. I was informed that recovering lost funds was impossible, and that tracking these transactions was deemed unfeasible. The recent findings of the CFPB, which suggest that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, are deeply troubling. The lack of effective consumer protections, coupled with Zelles failure to provide transparency or accountability, raises serious concerns about the platforms ability to safeguard users from scams and fraudulent activities. Given the serious implications for consumer safety, I am urging Zelle to address these issues with greater urgency. Specifically, I request a review of my disputes and a clear explanation of the steps Zelle is taking to ensure a safer platform for all users. I also ask that you clarify the policies in place to protect consumers from scams, and provide transparent information on how disputes are handled moving forward. 
I look forward to your prompt response and a resolution to these concerns.

Company response to consumer: Closed with explanation