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: TX

Complaint narrative:
I have been having an account with Navy Federal since approximately XXXX. There has been numerous times throughout the year from XXXX XXXX were Navy has processed charges slow or sent charges through on my account late causing my account to become overdrawn and in return they have charged overdraft fees to 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: IL

Complaint narrative:
Allowed account to be charged from various companies when money wasnt not there charging excessive amounts of fees in overdraft and then closed my account! Then snatched money from savings account without permission!

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:
Im ready to formally express my concerns regarding Zelles handling and disputes, specifically with the recent CFPB lawsuit highlighting significant issues with the platform. Regardless, using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed me to investigate my claims satisfactorily. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams and scammers. The lack of transparency and accountability is concerning an unacceptable 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: 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: IN

Complaint narrative:
Experian has failed to fulfill its legal obligations under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report. Experian does not properly investigate disputes and fails to remove or reinserts errors on reports.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to address inaccuracies on my credit report with Equifax regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Equifax has incorrectly listed late payments post-account closure, which is both inaccurate and misleading.

Furthermore, during the COVID-19 pandemic, I reached out to creditors, including Credit Acceptance , and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified. 

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process. 

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history. 

please find attached a letter to Equifax, my ID, my SSC, my proof of address, XXXX credit report showing 0 late payments.

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: JPMORGAN CHASE & CO.
State: IL

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling 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.

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: AR Resources, Inc.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unable account resolved the consumer financial protection bureau recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.

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: Chime Financial Inc
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unable account resolved the consumer financial protection bureau recently filed a lawsuit against XXXX  alleging systemic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.

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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. This issue I believe aligns with the recent CFPB findings against this particular bank. I believe this action was very 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was exposed in a date breach please and thank you, address, phone number, accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I applied for Navy Federal and was approved, I received my card in the mail and my account was open for a week and I was getting my work direct deposit coming and they shut down my account for no reason at all and I really loved banking with them. I still havent had an account since. They gave me no reasoning other than they couldnt bank with me anymore. It was embarrassing walking into the branch and depositing cash all to be told basically to go away.

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 have been getting charging overdraft fees including my account going in a negative balance when I didnt approve a transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

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 having funds. I believe these practices are unfair and request an investigation into my account and 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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: MD

Complaint narrative:
To Whom it may concern, I would like assistance with the disputes I have sent to TransUnion. I sent dispute letters to TransUnion on several different occasions, letting them know that these collection accounts were being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all three of these accounts are being reported as open accounts when they are indeed not. I will be attaching the disputes sent on XXXX and XXXX to Transunion. I understand that all information being reported must be reported 100 percent correct. However, here we are almost 4 months later. I rechecked my credit report on XXXX, and the information is still being reported incorrectly ; all three accounts are reported as open. This is inaccurate. Writing to Transunion about these errors and not getting the issue resolved is frustrating, not to mention it's costing me time and money. Please assist me in getting this issue resolved. I appreciate your assistance in resolving 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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy federal charged me XXXX overdraft fees between XX/XX/2023 and now, totaling to {$290.00} in 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: 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 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 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 pertaining to my 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 reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally request the removal of all negative information from my credit profile due to significant concerns surrounding data security breaches and inadequate dispute investigations that have recently come to light.

As you are likely aware, XXXX was involved in a major data breach, exposing sensitive personal and financial data of millions of consumers, including myself. This breach has raised concerns about the accuracy and security of the data currently being held and reported by your credit bureau. Given the gravity of this issue, I believe that it is reasonable to request that all negative items be removed from my credit report until a thorough and independent review can confirm the accuracy and integrity of the information associated with my profile. 
Additionally, Experian is currently under investigation by the Consumer Financial Protection Bureau ( CFPB ) for its failure to properly investigate consumer disputes, leading to inaccurate or incomplete information remaining on credit reports. As a consumer, I am entitled to an accurate and fair representation of my credit history, and I am requesting that you act accordingly to ensure that no erroneous or unfair negative items remain on my credit file, especially in light of the ongoing legal scrutiny of the credit reporting process. 
Therefore, I respectfully request the immediate removal of all negative information from my credit profile. I understand that federal law provides rights to consumers regarding the accuracy and integrity of the information on their credit reports, and I trust that you will act in good faith to ensure that my credit history is a fair and accurate reflection of my financial conduct. 
Please confirm the removal of these items in writing at your earliest convenience. Should you require any further documentation or verification from my end, I would be happy to provide it. 
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 explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My paypal account was hacked by someone else starting around XX/XX/year>, and I didn't notice it until XX/XX/year> because I stopped using that account from XXXX. I got fraudulent charges from XXXX XXXX, XXXX through Paypal from XX/XX/XXXX to XX/XX/year> and it debited all the money from XXXX XXXX account. I filed the case for all 10 transactions and 3 of them were reimbursed to me but the others got denied by Paypal and Paypal claimed that they were not unauthorized charges. It is unbelievable that Paypal assume those transactions were done by me because they all have the same recipient name and shipping address ( including the ones that they refunded me back the money ). I asked for the evidence showing those fraudulent transactions were done by me and Paypal rejected. I filed the police report and can provide report number if needed to show that I didn't make those purchases and I will bear legal responsibility to my words.

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: NY

Complaint narrative:
MUST BE REVIEWED BY A HUMAN HUMAN NAMUH ANUMH CEASE AND DESIST OF REPORTING UNAUTHORIZED ACCTS CEASE AND DESIST OF IDENTITY THEFT CEASE AND DESIST OF VIOLATION OF 1974 PRVACY ACT CEASE AND DESIST OF VIOLATION THE GRAMM-LEACH-BLILEY ACT 18 USC 214,18 USC   1348, [GAAP] VIOLATION, 18 USC 1028 XXXX HUMAN 



 XXXX GRANTOR/ORIGINAL CREDITOR/BENEFICIARY/PLAINTIFF: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 DEFENDANTS/VIOLATORS: XXXX EXPERIAN, 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 XXXX XXXX XXXX XXXX 
TO WHOM: IT MAY CONCERN ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a (2) | DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS THEY READ:: ATTN: EXPERIAN XXXX XXXX ACCORDANCE TO TITLE 15 6801(a)(b)(1)(2)(3)(4) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USSC 1681a (2) | DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST FRAUD PRIVATE UNAUTHORIZED ACCOUNTS TO BE FURNISHED/REPORTING ON MY CONSUMER REPORTS THEY READ: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE UNAUTHORIZED FRAUDS ACCTS FROM MY CONSUMER REPORTS THANK YOU SIRS/MA'AM CLEAR VIOLATION OF THE LAW AND IMPROPER USE OF MY IDENTITY AND OF {GAAP) YOU HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION ACCORDANCE TO GRAMM LEACH BLILEY ACT1681(ad2ai) thanks! TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. | HAVE FILED A POLICE REPORT CASE # AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS. IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. SINCERELY XXXX XXXX XXXX UCC 1-308

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 express my Concerns and issues with Zelle. As I recently have seen the lawsuit with CFPB. It has brought up some issues that I disclosed to my bank, having issues with as well. I have had numerous issues that have left me with disputing and numerous other issues that have not been resolved.

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: TN

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 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 and 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