vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MA

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: 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 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 2025-01-16 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: GA

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 that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Im submitting a complaint against Navy Federal Credit Union regarding multiple overdraft fees Ive 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 transactions on my account.

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: MD

Complaint narrative:
I am writing a 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 settles 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: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was scammed by someone using my JP Morgan account and was unable to receive my payment back.

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 raise my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is concerning and poses serious risks to consumer safety.

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: GA

Complaint narrative:
Multiple transactions I tried to fix amounting to XXXX  of dollars not refunded

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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit reports, which is adversely affecting my credit score. Upon reviewing both my XXXX and XXXX credit reports, I have identified several discrepancies in the reporting of my account with XXXX. 
The following discrepancies were noted : 1. Last Payment Date : XXXX reports the last payment date as XX/XX/year>. 
XXXX reports the last payment date as XX/XX/year>. 
XXXX. Monthly Payment Information : XXXX shows the monthly payment as XXXX. 
XXXX shows the monthly payment as -, which I believe is inaccurate. 
3. Account Type : XXXX lists the account as an Installment loan. 
XXXX lists the account as an Auto Loan.

These inconsistencies are clearly erroneous and violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure that information on consumer credit reports is complete, accurate, and verifiable. Specifically, under FCRA Section 607 ( b ), 15 U.S. Code 1681e ( b ), both XXXX and XXXX are required to maintain accurate records. Furthermore, XXXX, as a data furnisher, is responsible under FCRA Section 623 to report accurate information to credit bureaus and correct any errors upon discovery. 

Additionally, I would like to bring to your attention the Federal Trade Commission ( FTC ) guidelines, which require credit reporting entities to correct any inaccuracies and respond to disputes in a timely manner. The discrepancies mentioned above indicate that the reporting entities have not fulfilled their obligation to ensure accuracy. 

Moreover, XXXX and XXXX have both been subject to breaches that have compromised the security of personal data. These breaches, especially those affecting the accuracy of credit reporting, should be taken into account when addressing this dispute. Under the FCRA, credit reporting agencies are obligated to ensure not only the accuracy but also the integrity of the information they report. 

I am requesting that the CFPB investigate this matter and require XXXX, XXXX, and XXXX to immediately correct these inaccuracies and remove this account from my credit report if it can not be properly verified. I ask that you prioritize this dispute due to the significant impact these inaccuracies have on my financial standing and creditworthiness.

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

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit reports, which is adversely affecting my credit score. Upon reviewing both my XXXX and Experian credit reports, I have identified several discrepancies in the reporting of my account with XXXX. 

The following discrepancies were noted : 1. Last Payment Date : XXXX reports the last payment date as XX/XX/2020. 
Experian reports the last payment date as XX/XX/2020. 
XXXX. Monthly Payment Information : XXXX shows the monthly payment as XXXX. 
Experian shows the monthly payment as -, which I believe is inaccurate. 
3. Account Type : XXXX lists the account as an Installment loan.

Experian lists the account as an Auto Loan. 

These inconsistencies are clearly erroneous and violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure that information on consumer credit reports is complete, accurate, and verifiable. Specifically, under FCRA Section 607 ( b ), 15 U.S. Code 1681e ( b ), both XXXX and Experian are required to maintain accurate records. Furthermore, XXXX, as a data furnisher, is responsible under FCRA Section 623 to report accurate information to credit bureaus and correct any errors upon discovery. 

Additionally, I would like to bring to your attention the Federal Trade Commission ( FTC ) guidelines, which require credit reporting entities to correct any inaccuracies and respond to disputes in a timely manner. The discrepancies mentioned above indicate that the reporting entities have not fulfilled their obligation to ensure accuracy. 

Moreover, XXXX and Experian have both been subject to breaches that have compromised the security of personal data. These breaches, especially those affecting the accuracy of credit reporting, should be taken into account when addressing this dispute. Under the FCRA, credit reporting agencies are obligated to ensure not only the accuracy but also the integrity of the information they report. 

I am requesting that the CFPB investigate this matter and require XXXX, XXXX, and Experian to immediately correct these inaccuracies and remove this account from my credit report if it can not be properly verified. I ask that you prioritize this dispute due to the significant impact these inaccuracies have on my financial standing and creditworthiness.

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: 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 Zelles mishandling 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 2025-01-16 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: TX

Complaint narrative:
Creditors and Credit Agencies shared information on my consumer report regarding time of payments which is a FCRA VIOLATION OF USC 15 CODE 1666 and 1666b also they've violated USC 15 CODE 1681b Permissible Purpose as I did not give anyone consent to share my information therefore both the creditor and credit agencies are committing identity theft I am asking for assistance in assuring the creditors and credit agencies are in compliance with the above FCRA LAWS

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Creditors and Credit Agencies shared information on my consumer report regarding time of payments which is a FCRA VIOLATION OF USC 15 CODE 1666 and 1666b also they've violated USC 15 CODE 1681b Permissible Purpose as I did not give anyone consent to share my information therefore both the creditor and credit agencies are committing identity theft I am asking for assistance in assuring the creditors and credit agencies are in compliance with the above FCRA LAWS

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:
Experian has failed to properly investigate disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for issues like not forwarding consumer evidence, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These issues match my experience, as Experian has not corrected or removed the disputed items despite the evidence I provided, harming my credit. I request immediate action to fix these errors, as Experian 's failure violates federal law and my 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 2025-01-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: IL

Complaint narrative:
In light of the recent CFPB lawsuit addressing significant issues with zelle I am reaching out to express my concerns with my own issues with Zelle. Zelle support was not helpful resulting in confusion on where my sent money had gone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I recently pulled my credit report and noticed LVNV Funding on my consumer report. I requested verification, but they didn't provide an address for LVNV Funding. It was an address for Resurgent XXXX XXXX. LVNV Funding never gave me an opt out form to opt out my nonpublic personal information that comes with the privacy policy notice according to the Gramm Leach Bliley Act. FDCPA, 15 USC 1692c ( b ), also mentions that I must give a debt collector consent to communicate any information about an alleged debt to any other person. LVNV has claimed to be a creditor of an alleged debt, but I have never done business with them. I am aware that an assignment or transfer of any alleged debt is does not make LVNV a creditor and that is false representation. I also want to know if LVNV and Resurgent XXXX XXXX are the same business or not. It's creating a lot of confusion for me. LVNV should be aware that using any other business name other than their own violates the FDCPA.

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I have occurred. Despite having sufficient funds when transactions were authorized. I was charged for you due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settle with the insufficient balance is despite initial available funds. I believe these practices, are unfair.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but 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 user safety.

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: MS

Complaint narrative:
The bank took {$600.00} from my account and when i complained about it they frozen my debit card and im eligible to get a new until XX/XX/XXXX. Im on a fit income for the VA. So its hard accessing my money monthly. This took place around XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief