vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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 formally filing a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged with overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and 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 2025-01-19 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: NJ

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 thoroughly. I was told thah they were unable to recover lost funds. According to the CFPB, zelle has neglected to protect its consumers and has allowed the issue to continue leaving us vurnuerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 formerly express my concerns regarding Zelles handling of the 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 tracking these transactions was unfeasible. The CFPB findings indicate that zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system and leaving users vulnerable to scams. The lack of accountability and transparency in unacceptable and raise serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 concern 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 Zelled failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these were unfeasible. 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. 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 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against Plaza Service for placing a collections account on my credit report without my knowledge or consent. I have never been notified by this company, nor do I have any agreement or business dealings with them. Additionally, I have never provided any personal or financial information to Plaza Service. 

The appearance of this collection on my credit report is completely unfamiliar to me, and I believe it has been illegally placed there in violation of the Fair Credit Reporting Act ( FCRA ). This unauthorized entry has caused significant harm to my credit profile and my financial well-being. 

I respectfully request that the CFPB investigate this matter and take appropriate action to have the collection account removed from my credit file as it is an inaccurate and unauthorized reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: OR

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. 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My husband and I were looking for a house to rent and found one on a listing agency website. We went to the house, spoke with the lister in the phone and they gave us the code to go into the house. They told us to pay the first months rent using Zelle and we could move in same day. We paid them through Zelle and started moving our things later that day. We called the listing company on a sign on the house for more information and they told us we were scammed, that the house was more and there was no information of us paying them anything. We paid them {$1300.00} through Zelle. We called our bank and Zelle and told them everything, showed our proof. We were told nothing could come of it and we lost our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Allowed my account to overdraft when there wasnt any money in 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 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Recently, TD Bank debt collection started contacting me about a credit card debt that I currently have in a debt consolidation program. I explained it to TD Bank however they continuously keep calling me. They would hang up call back hang up call back and this will take place several times in one day in a single day. I would receive about 10 phone calls from TD Bank regarding this matter, although I have asked them to place me on a do not call us they continue to call and they continue to hang up and a couple minutes later call right back. I have the logs on my phone to show exactly what Im speaking Of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear [ Credit Bureau Name ], I recently reviewed a copy of my credit report and discovered multiple inaccuracies, including addresses and names that are not associated with me. I have no connection to these details and am uncertain as to how they appeared on my report. I am formally requesting that you investigate and remove all incorrect information from my consumer report within four ( 4 ) business days of receiving this correspondence. 

The following details need to be reviewed and corrected : Any other than my accurate address, I have provided the necessary information. 



TransUnion : The only address I have is 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 2025-01-19 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: NY

Complaint narrative:
XX/XX/year> I called the number that was provided by XXXX XXXX and the gentleman that was on the phone who use my credit for this inquiry said another person name that I didnt authorize to use my credit and this person was in XXXXXXXX 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am no longer able to access my credit file from Experian. Every time I call or email they ask me submit the documents via upload feature. I tried uploading its not letting me submit. I called Experian spend two hours no soloution. Experian is holding me hostage as I not able to provide who I am and the phone line does not let me to go the representative. Please step in to provide solution. I have no access to user ID and password no more. The upload docs in not letting me in to Experian. I am hitting a wall here and this so frustrating to a consumer who has no choice. Their telephone support not able to understand they use labour from company not able to understand 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Complaint Regarding Failure to Remove Outdated Addresses from My Credit Report To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding an issue with the accuracy of my credit report. Specifically, outdated and irrelevant addresses continue to appear on my credit report, despite multiple requests for their removal. This failure to address my concerns raises questions regarding compliance with Section 623 ( e ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c. 

These outdated addresses are not relevant to my current financial profile or creditworthiness, and their continued presence creates unnecessary confusion, potential risks of misattributed accounts, and increases the possibility of identity theft. My current address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under Section 623 ( e ) of the FCRA, data furnishers and credit reporting agencies ( CRAs ) are required to ensure the accuracy of information contained in consumer reports. Additionally, under 15 U.S. Code 1679c, consumers are entitled to accurate and up-to-date information on their credit reports. The inclusion of outdated addresses fails to meet these legal requirements and does not serve a legitimate purpose. 

I have previously contacted the CRAs to request the removal of these outdated addresses, providing sufficient documentation to validate my current address. Despite my efforts, the issue has not been resolved, and no satisfactory explanation has been provided. I am requesting the CFPB to : XXXX. Show Cause : Require the CRAs to provide a detailed explanation as to why they have failed to remove the outdated addresses. 
XXXX. Take Corrective Action : Investigate and ensure the removal of outdated and irrelevant addresses from my credit report. 

Please contact me at XXXX or via email at XXXX for any further information you may require to expedite this investigation.

I trust that the CFPB will take swift action to resolve this matter. Thank you for your attention to this complaint, and I look forward to your response. 

Sincerely, 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 2025-01-19 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 charged fees due to lagging 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NJ

Complaint narrative:
Back in XX/XX/year> I filed a complained with XXXX XXXX XXXX about a Fraud check and zelle transaction made from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint on Block ( cashapp ) due to inadequate customer service and unfair practices which violate cfpa. Cash app failed to take timely an effective measures to prevent And address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution service on their platform was unfair and deceptive they did not comply with error resolution requirements under the EFTA. these actions have caused significant inconveniences in financial loss. ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to you as the holder of account number XXXX for my mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date.

This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/year>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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My information has been compromised I believe money was transferred through a 3rd party source and I want to declare my relationships with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has written off this account. I do not agree with you about having to pay any amount. According to the FDCPA, XXXX XXXX XXXX or any other debt collector has to have consent to communicate with me which you do not have. Any communication after this will be considered harassment. 
Under Section 809 ( b ) of the FDCPA, you are required to provide me with the following information before pursuing any further collection activities : Verification of the debt, including the name of the original creditor and detailed documentation of the amount owed. 
Proof that you are legally authorized to collect this debt. 
Until the requested verification is provided, I request that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies, as inaccurate or unverifiable reporting violates the Fair Credit Reporting Act ( FCRA ). 
Additionally, I demand that you refrain from contacting me except to provide the requested validation or to confirm that you will cease collection efforts. 
Please be advised that this letter serves as my formal notice under the FDCPA to protect my rights as a consumer. I expect your response within 30 days from the date you receive this letter. 
Thank you for your immediate attention to this matter. 
Thanks, 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Money sent to wrong person and couldnt get money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: TX

Complaint narrative:
on XX/XX/year> an account was opened for XXXX XXXX XXXX XXXX for $ XXXX KINGSTON DATA AND CREDIT INTERNATIONAL INC. has added that for collections on my credit, this is an inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CT

Complaint narrative:
In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Has violated my rights.

I have never been late on these accounts. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed.

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