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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute the inaccurate information regarding my account with Ally Financial, which is reported as open since XX/XX/XXXX, and closed on XX/XX/XXXX. The account details indicate that my last payment was made on XX/XX/XXXX, and I have zero instances of being late, which is incorrect. 

Furthermore, it is reported as charged off, but I have not received a XXXX, and I believe this reporting is misleading and inaccurate. I kindly request that you investigate this matter and correct any inaccuracies in my report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute the inaccurate information regarding my account with Ally Financial, which is reported as open since XX/XX/XXXX, and closed on XX/XX/XXXX. The account details indicate that my last payment was made on XX/XX/XXXX, and I have zero instances of being late, which is incorrect. 

Furthermore, it is reported as charged off, but I have not received a 1099, and I believe this reporting is misleading and inaccurate. I kindly request that you investigate this matter and correct any inaccuracies in my report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding a credit transaction with XXXX XXXX, which I believe violates my Right of Rescission under 15 U.S.C. 1635 of the Truth in Lending Act ( TILA ). I am seeking your assistance to investigate and ensure that this transaction complies with TILAs disclosure requirements. Given the circumstances, I am requesting that the transaction be rescinded as outlined in the law. 

My Concerns : Failure to Provide Rescission Notice : I did not receive the required notice of the right to rescind within three business days after entering into the credit agreement. 

Inaccurate or Incomplete Disclosures : The disclosures I received from XXXX XXXX  were incomplete, inaccurate, or did not fully explain my right to rescind the credit transaction. 

Failure to Allow Rescission Period : I was not provided with sufficient time or clear instructions to exercise my right of rescission. I believe this failure violates my rights under 15 U.S.C. 1635. 

My Request : Investigation : I request that the Consumer Financial Protection Bureau investigate this matter to confirm whether XXXXXXXX XXXX  complied with the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1635, and whether they provided me with the necessary right of rescission notice and accurate disclosures.

Rescission of Credit Transaction : Given the violation of my rights under TILA, I request that the credit transaction be rescinded, and I be relieved of the financial obligations related to this credit account, including cancellation of any fees or charges.

Debt Removal : I also request that any negative reporting associated with this credit account ( including any charge-offs ) be removed from my credit report, if the transaction is rescinded under TILA.

Supporting Documentation : Credit Agreement ( showing the terms and disclosures related to the credit ) Proof of Transaction ( e.g., statements, communications, or other documents related to the account ) Disclosures ( if you received any disclosures from XXXXXXXX XXXX  ) I trust that the CFPB will investigate this matter promptly and ensure that my rights unXXXX XXXX XXXX XXXX XXXX upheld. Should XXXXXXXX XXXX fail to comply with TILA, I respectfully request that the credit transaction be rescinded, and I be relieved of all obligations related to it.

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: MT

Complaint narrative:
I am expressing concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I have definitely used 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
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I am writing this statement to formally express my concerns in regards to zelle handling my disputes. While using this p using Zelle, there happened to be some discrepancies with my financial institution. Zelle has not properly investigating my claims. My financial institution has informed me that my funds are not retractable and has failed take the proper precautions to resolve the issue as the trustee. I'm highly disappointed.The CFPB finding indicates that zelle has not only neglected to protect as the consumer but also failed repeat offenders to exploit the system, leaving consumer accessible to vulnerable scams.

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: AZ

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 finding 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
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:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authority. I was charged fees due to lagging posts of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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: 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 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 required 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: FL

Complaint narrative:
In XX/XX/year>, I had XXXX taken out of my account through Zelle, and XXXX said I authorized it but I never did. I then tried to contact the company that runs Zelle and was turned away.

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: FL

Complaint narrative:
I am sending this complaint to formally dispute the fraudulent information listed on my credit report, which I believe is the result of identity theft and XXXX trafficking. In accordance with Section 605C of the Fair Credit Reporting Act, I am requesting that you remove the following fraudulent accounts from my credit report within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal charge me overdraft fees and I had money in my account to cover it.

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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a victim of the Experian data breach they are reporting false information on my credit report every single thing on my credit report is incorrect starting from XXXX up to now Im in the process of filing a lawsuit against them for the amount of XXXX for all the damages they caused me by letting my information being breached they are operating unlawfully and refusing to remove all the negative information that they caused

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
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 reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Buereau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-porvided 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 harms 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 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:
Navy federal checking account charging large overdraft fees and covering charges that should have not been covered causing extra money to be taken from the account. I have called to state that the charges should not have been covered and that I feel I shouldnt owe.

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: GA

Complaint narrative:
XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough investigation into the disputes I filed regarding errors on my credit report. As a result, inaccurate and unverifiable information remains unresolved. This mirrors broader issues raised in a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, citing practices such as failing to forward consumer-provided evidence to creditors, relying on unreliable responses, and neglecting to inform consumers of dispute outcomes. My personal experience reflects these systemic failures, as XXXX has yet to correct or remove the disputed accounts from my 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 non-monetary relief
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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough investigation into the disputes I filed regarding errors on my credit report. As a result, inaccurate and unverifiable information remains unresolved. This mirrors broader issues raised in a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, citing practices such as failing to forward consumer-provided evidence to creditors, relying on unreliable responses, and neglecting to inform consumers of dispute outcomes. My personal experience reflects these systemic failures, as XXXX has yet to correct or remove the disputed accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims.

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: MD

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 balance 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I dispute the listed inquiries on my credit report as they do not have my authorization, violating Section 604. I request an immediate removal of these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account was charged off on the following date, XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Ridiculous payments and nothing goes towards the principal it all go towards the interest. I was mislead and convinced that I would have cheap payments. Made XXXX payments and balance remained the same

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 — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal overcharged my card numerous of times and every time I called they had an excuse on why my card continued to be charged and went negative.

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: VA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPBs lawsuit regarding significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my claims to my financial institution and XXXX failed to adequately be investigated. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams including me.

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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX has allowed in accurate information to remain a consumer credit reports and proper reinsertation sham investigation has failed to follow the Fair credit report act per fcra by not connecting reasonable investigation into consumer disputes after several attempts.

According to the fair credit act fcra section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report.

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: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
This is actual and constructive notice of unauthorized use of credit card by Discover Bank. Please see attached notice.

Company response to consumer: Closed with non-monetary relief