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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX  XXXX Balance : {$40.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Balance {$2100.00} DEPT OF ED/XXXX  XXXX Balance {$2200.00}

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: OH

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I would assume if I am already overdrawn from my checking account my bank wouldn't approve but nope they do and they will charge me for at least 3-5 NSF fees even though I have spoken to them a different occasion at this point in time there is no reason for me to call and just get the run around in all honesty I prefer for the payment not to go through and I just pay the late fee or payment arrangement rather then the bank allowing the payment to go through and charging me several different NSF fees

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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of the reason CFPB lawsuit highlighting significant issues with the platform. Disputes using zelle numerous times and reporting discrepancies and zelle failed to investigate claims. In addition they said that we could not get lost founds back. The Zelle company neglected to protect the consumers and we are vulnerable to scams. The lack of accountability is unacceptable and raises concerns about the consumers 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: TX

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, patricularly in light of the lawsui hhighlighting issues within the platform. 

Despire using Zelle numerous tiimes my financial instituation 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally raise my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit highlighting significant flaws within the platform. Despite frequent use of Zelle and reporting multiple discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings underscore Zelles failure to uphold its duty to protect consumers, enabling repeat offenders to exploit the system and leaving users exposed 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 transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
With sending payment through zell I send it to the wrong person XXXX XXXX  was no warring signs and they say it nothing the can do

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 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: 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 that platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate 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 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: SC

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees. I have incurred, Despite having sufficient when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings again 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I am writing to formal 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 invest my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeated offenders to exploit the system, leaving users vunerable 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Delete hard inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
My student loan under SAVE plan and forbearance is accruing interest and is being added to the principle. However, I have realized my interest may have been accruing for more than I have noticed.

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 occurred. Despite having sufficient funds when transactions was 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX I incurred overdraft fee of XXXX each but I do not have overdraft protection so its making my account go negative and then having to put more money in to cover

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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equifax, & XXXX ; Thom whom it may concern, Last month in XXXX of 2024 it came to my attention that my identity had been stolen and utilized by my neighbor to open up XXXX Fraudulent credit card accounts amid several Hard Inquiries. ( See attached Report ). Those Accounts are as follows : XXXX ) XXXX Acct. No. XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$500.00} Note : Please Delete these Frivolous accounts that are keeping me from purchasing a home!

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXX, & Experian ; Thom whom it may concern, Last month in XXXX of 2024 it came to my attention that my identity had been stolen and utilized by my neighbor to open up XXXX Fraudulent credit card accounts amid several Hard Inquiries. ( See attached Report ). Those Accounts are as follows : XXXX ) XXXX  Acct. No. XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$500.00} Note : Please Delete these Frivolous accounts that are keeping me from purchasing a home!

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Failure to Investigate Disputes and Ensure Accuracy in Credit Reporting Complaint Body : I have repeatedly disputed inaccurate and unverifiable information on my credit reports with Experian, XXXX, and XXXX. Despite providing evidence and citing the Fair Credit Reporting Act ( FCRA ), these credit bureaus have failed to comply with their legal obligations, including : Unauthorized Hard Inquiries : Multiple inquiries appear on my report without permissible purpose, violating 15 USC 1681b. Examples include : XXXX XXXX ( XXXX, XX/XX/XXXX ) XXXX XXXX ( Experian, XX/XX/XXXX ) Unresolved Disputes : The following accounts remain on my reports despite being disputed and unverifiable : XXXX XXXX XXXX Simple ( Experian ) XXXX Formerly XXXX ( XXXX ) Systemic Non-Compliance : Experians pattern of " sham investigations, '' as highlighted in the CFPB 's lawsuit, aligns with my experience. The credit bureaus are failing to properly investigate and resolve disputes, reinserting errors, and jeopardizing my access to credit, housing, and employment. 
Desired Resolution : I request : Immediate removal of all inaccurate, unverifiable, and disputed items from my credit reports. 
Confirmation of compliance with FCRA standards for all future reporting. 
A full investigation into the systemic issues raised in my complaint. 
Attachments : Highlighted credit reports ( Experian, XXXX, XXXX ) with disputed items marked. 
Copies of my dispute letters to each credit bureau. 
Relevant responses ( or lack thereof ) from the bureaus.

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: 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 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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX on XXXX XXXX XXXX, XXXX to finance a used XXXX XXXX XXXX XXXX. on that day I went with my friend, and she cosigned for the vehicle for me because I didn't have any credit because I was fresh with my document. We didn't know what to expect when buy I car because it my first and her first going through the procedure with me. it was getting later there was a bit of a rush I gave them all my document they ask for they ask me for {$1000.00} down payment and then proceed to showed me the car inside and outside that day they didn't run over all the information about the vehicle with me all I was told to say yes when I go on the phone with American credit acceptance. they coach me along the way while I was on the with them with me not understanding what going on all I wanted was get a good working vehicle to take me and my young baby around and to school and work not know that they were pushing a faulty vehicle on me because in XX/XX/XXXX that very same year my car shut down on me in the XXXX XXXX XXXX won't turn on. I call the dealership where I got the car from the representative XXXX told me to take the car to the nearest XXXX  dealership and get it diagnose so I get a tow truck company to towed my vehicle to in XX/XX/XXXX to the XXXX dealership on XXXX XXXX in XXXX which I did get the diagnose and there finding was an electrical issue that hit the engine, and it will cost me {$7000.00} to fix the issue. remind you I don't know anything about the car details. then in come with XXXX where all of us in XXXX XXXX XXXX XXXX and everywhere was shut down. my vehicle sits in the dealership parking lot and nobody giving me a solution to fixed it. everyone pointing fingers. American Credit Acceptance knowing my complaint and issue that I don't have the vehicle for so many years and paying them but to offer me settlement while they are reporting on my credit that I owed them {$4700.00}. The dealership doesn't want to fix the vehicle, nor do they want to give me back another car since I was paying for a car that I don't have in my position for so many years tell me to continue making payments this is highway robbery. so unprofessional nobody wants to solve this issue, they are just spinning me around in circle. All these years not having the vehicle American credit acceptance receiving payment every month but don't want to give me a vehicle nor do they want to take that account off my credit. these people are such a scam.

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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency , TransUnion credit reporting agency and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX ( Account Number : XXXX ) o Current Balance : {$6100.00} o Status : Closed, " Charged Off as Bad Debt '' o Last Payment Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) o Balance : {$200.00} o Past Due : {$88.00} o Status : Closed, " 120 Days Past Due '' o Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX o Balance : {$210.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) o Original Creditor : XXXX XXXX  o Balance : {$390.00} o Status : Collection Account, " Paid Off '' XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX ) Account XXXX XXXX ) XXXX. XXXX ( Account XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX Account Number XXXX ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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