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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. So, at any instance, where there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a deprivation of my rights and a violation of my privacy, as well. With my consumer report, I control what is listed and what is not, and if in the event any accounts are reported without my expressed, written consent, it is considered identity theft. There are also late payments reported to my consumer files which violate 15 U.S. Code 1666b, which states that no timing shall be late in relation to an open-end credit plan. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXXXXXX per violation, or account listed without my expressed written consent.

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: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting a claim regarding Navy Federal Credit Union for charging excessive interest and late fees that I believe are not in compliance with applicable laws. They have been charging interest on top of late fees, resulting in charges that often match the exact amount of my credit card payments. 

Under XXXX XXXX XXXX XXXX, the maximum allowable annual interest rate for revolving credit accounts is 18 %, unless an alternative rate ceiling under XXXX  XXXX applies. 
TEXAS STATUTES Additionally, per Texas Finance Code XXXX, late fees are capped at the lesser of {$15.00} or 5 % of the payment due, applicable only if a payment remains unpaid for 10 days or more after its due date. 
XXXX I have consistently made my payments on time, yet Navy Federal has overcharged me in a manner that seems deliberate. For example, they have applied fees equal to my payment amounts, which subsequently led to additional interest fees. This practice appears unfair and exploitative. 

I respectfully request a thorough review of this matter and an explanation of how these fees comply with federal and state laws.

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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX 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 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: TX

Complaint narrative:
This complaint was filed with the Federal Reserve Consumer Help submitted XX/XX/XXXX. It involved Scammers removing all of my information and savings some checking accounts. via a " Web Funds Transfer. '' The party " XXXX XXXX House. The information was sent to the FBI, FRCH. According to Federal Reserve Consumer Help. A full copy of the report was to be sent to CFPB for processing. 
In speaking with one of your agents, a female sent me a copy of a report for XXXX  XXXX XXXX that happened in XXXX and was a lawsuit. Not a Scam. The report sent to me has the case # XXXX. This case was closed. 
Please review the new case information submitted to all Federal Regulators according to CRCH.

My entire savings was taken by the Scammers. A s Portions of my checking.

Please review your records complaint record sent XX/XX/XXXX, and give an update.

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: OH

Complaint narrative:
I am a victim of identity Theft, exposed in the XXXX Databreach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information in a consumer 's credit report that is a result of identity theft once the appropriate documentation is provided. Additionally, I am aware of the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which addresses violations of consumer protection laws, further underscoring the need for strict adherence to FCRA provisions in safeguarding consumer rights.

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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
My information was exposed in a data breach with the company XXXX XXXX. Please check FCRA laws 15 U.S.C 1681

Company response to consumer: Untimely response
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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
My information was exposed in a data breach with the company XXXX XXXX. Please check FCRA laws 15 U.S.C 1681

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:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed 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 XXXX '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 card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/year>, around XXXX XXXX  CST I spoke with multiple representatives to request record of my original application bearing my ssn and signature. The first agent told me that was not possible, and the last offered to have a supervisor call back within 24 hours. No contact was made after that conversation. 
American Expresss refusal and avoidance in providing such documents violates the equal credit opportunity act and consumer financial protection act.

I would also like to request documentation of approvals or reports by governmental agencies or other persons that are necessary to guarantee or provide security for the credit.

I believe this account is secured by the requested Collateral and American Expresss refusal to produce the records is causing me financial harm. 

Provide a copy of the original credit application, any supporting documents, and documentation of approvals or reports by governmental agencies or other persons that are necessary to guarantee or provide security for the credit

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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Crediting Report Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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. They did not send over any information from creditors with accurate account information or reasons why, 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 in action 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: NV

Complaint narrative:
I am writing this to bring bring forth concerns about zelle in light of the recent lawsuit the cfpb has filed highlighting some concerns. I have used zelle for quite some time already and I've had issues I've reported with my bank and zelle none of which were adequately investigated. I was told after I've sent the amount of {$1900.00} that if sent to the wrong person there was nothing they could do. This was not something I was aware of because they failed to provide that information before approving the sent amount. When I tried to call to fix the issue or get a refund they said there was nothing they could do. This system leave people vulnerable to scams as well as shows the neglect this company has had in protecting its users. This lack of accountability and transparency leaves seeious concerns for the consumers.

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: SC

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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: 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: SC

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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: TX

Complaint narrative:
I am writing to express my frustration with a recent issue involving Zelle. I have seen the recent lawsuits and the CFPB highlighting concerns with Zelle, and I can personally attest to the problems. My funds were lost in a transaction, and despite my efforts to resolve the situation, they have never been recovered. The tracking process has been nearly impossible, and I've been unable to get a clear resolution. Given the concerns raised by the CFPB and the lack of support Ive experienced, I am seeking a resolution and would appreciate your prompt attention to this matter. I hope to either recover my lost funds or receive a clear explanation of the steps being taken to address this situation.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am refiling a complaint with the EQUIFAX regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.

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 formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/XXXX - Charged a late fee of {$29.00}. I was not receiving paper statements so my wife did not know to pay XX/XX/XXXX - Contacted Goldman Sachs XXXX GM Card to have the fee waived, which they did. I also asked to receive paper statements, said I check the app occasionally and make a payment if I see one is coming up but my wife pays the bills and needs paper statements. The agent assured me they would turn them on and send paper statements. 
XXXX - I was charged {$29.00} late fee as I did not receive a paper statement. Contacted support and requested a waiver due to them not sending paper statements. They said they'll let me know in 10 days. 
XX/XX/XXXX - Made a payment of {$91.00} ( full balance, except for the {$29.00} fee that I expected to be refunded ). 
XX/XX/XXXX - Contacted support again about the late fee, they said they only do one every 12 months. Sent me to a supervisor who also refused to accommodate my request. I told them that the only balance on my account is the {$29.00} late fee which should not be there, go ahead and close the account. They indicated that they would close the account but would " Continue to send statements until the balance is paid, '' Which is funny because they refused to send statements before. I should not be on the hook for a fraudulent late fee and interest.

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: NC

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 loss funds was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that not only has Zelle 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: NY

Complaint narrative:
My transactions through Zelle were documented as successful even when they were not, and funds were returned to my account. Zelle did not inform me of these cancelled transactions and sent me an email confirming their completion. On XX/XX/XXXX and XX/XX/XXXX, I sent {$100.00} and {$1000.00}, respectively. My attention to these issues has been reinforced in light of the recent lawsuit XXXX has launched against Zelle, that I am not an individual experiencing this but rather have experienced the larger flaws in privacy, security, and transparency that Zelle has allowed to continue.

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: IL

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 filled 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 the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and 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