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

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 customer 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 service problem — 
Company: Early Warning Services, LLC
State: IL

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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Reached out to the company on several occassions to resolve the issue after filing a dispute with XXXX. Information/balance that has been reported to the credit bureaus is incorrect. I have a receipt showing I have a XXXX balance. A copy has been emailed over to the Collection agency as well as XXXX. Company continues to attempt to collect a debt that I do not owe. 

Below are a list of dates that I reached out to the company. I will also include dispute date. 

XXXX XXXX : Contacted : XXXX XXXX by email XXXX XXXX by email Dispute : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
ON XX/XX/XXXX I CONTACTED BRIDGECREST CONCERNING MY AUTO LOAN. I ADVISED DUE TO MEDICAL HARDSHIP I WAS NOT ABLE TO MAKE THE PAYMENTS DUE XX/XX/XXXX AND XX/XX/XXXX. I REQUESTED AN EXTENSION/DEFERMENT OF THOSE PAYMENTS TO THE END OF THE LOAN. I WAS ADVISED I WOULD ACCRUE INTEREST AND IT WOULD ADD ON TO THE END OF THE LOAN BALANCE, HOWEVER I AGREED AND THE REQUEST WAS SUBMITTED ( OR SO THEY SAY ) .AFTER THE WAITING PERIOD I WAS DECLINED AND WHEN ASKED FOR A LETTER STATING THE DECLINE REASONS I WAS ADVISED I COULD NOT HAVE ONE. I ASKED THE REASON FOR THE DECLINE AND I ADVISE I COULD NOT HAVE ONE OTHER THAN BACK END LEADERSHIP REVIEWED THE REQUEST AND DECIDED IT WOULD NOT GO FORWARD. I HAVE ESCALATED THIS MATTER FURTHER UP THE CHAIN ASKING FOR A LETTER WITH DENIAL REASONS AND WAS DECLINED. WHEN I ASKED BRIDGECREST WHAT THE DENIAL CRITERIA WAS, THE REP MADE IT SOUND LIKE THE BACK END LEADERSHIP COULD SIMPLY DECLINE BECAUSE THEY FELT LIKE IT ( NO LEGAL CRITERIA FOR A DECLINE ). THE ONLY WAY THEY WOULD CONSIDER THE OPTION TO DO THIS, IS IF THERE WAS A XXXX DOLLAR PAYMENT DONE ON THE ACCOUNT. WHEN ASKED IF THIS WAS A PAYMENT TO ENSURE THE DEFERMENT I WAS MET WITH A NO. AFTER ALREADY ADVISING THE COMPANY THAT I COULD NOT DO THE PAYMENT SEVERAL TIMES I WAS GIVEN VAGUE ANSWERS AS TO WHAT CRITERIA NEEDS TO BE MET TO HAVE A DEFERMENT/EXTENSION DONE AND THEN ADVISED THAT THE XXXX DOLLAR PAYMENT WOULD NOT GUARANTEE THE REQUEST WOULD BE APPROVED. BRIDGECREST IS CHARGING ME XXXX DOLLARS TO BE ABLE TO HAVE MY REQEUST EVEN CONSIDERED AND I AM STILL BEING TOLD IT WILL NOT BE A GUARANTEE. I HAVE RECEIVED DIFFERENT INFORMATION FROM VARIOUS REPRESENTATIVES. WHEN ASKED FOR SPECIFIC REASON AS TO WHY MY ACCOUNT WAS NOT ELIGIBLE I WAS TOLD I WAS NOT PRIVY TO THE POLICY AND PROCDURES OF THE COMPANY. WHEN I ASKED THE REPRESENTATIVE WHAT CRITERIA WOULD I NEED TO MEET TO BE ELIGIBLE ( IE : NUMBER OF MONTHS, DAYS PAST DUE AND SO ON ) I WAS TOLD I WAS NOT ALLOWED TO HAVE THAT INFO AND THAT EVERY ACCOUNT IS DIFFERENT. THE INFORMATION PROVIDED SOUNDED A LOT LIKE DISPARATE IMPACT TO ME. THE ACT OF THE DEFERRAL BEING SUBMITTED SEEMS TO BE A WAY TO COVER THE UNETHICAL PRACTICES OF THIS COMPANY AND CHECK OF A BOX SO THEY DONT GET SUED. THIS SOUNDS LIKE A BORDERLINE REG Z ISSUE AS I WAS NOT EVEN GOING TO BE TOLD ABOUT THE DECLINE UNLESS I WOULD HAVE CALLED IN.

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: MD

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: NV

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. 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 2025-01-16 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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: TN

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. XXXX 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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: CA

Complaint narrative:
Ive sent money to the wrong person twice on accident. I called Zelle and they said they couldnt do anything about it and couldnt view it either on there end even if I had the transaction number. Called my bank to see if they could do something and said it was all up to Zelle. Never resolved anything but I now see with the current lawsuit Im not the only one this has happened to.

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: TX

Complaint narrative:
While recently reviewing my consumer report as i prepare to purchase my first home, I discovered several late payments where i have always maintained to make on time payments. Consumer Reporting Agencies have a crucial role to the consumer by reporting accurate information as it can dictate whether or not someone can get approved for a home such as myself. I have never missed a payment on the following account : XXXXXXXX XXXX. I request an investigation into these discrepancies and urge you to provide, such statements, demonstrating the lateness of these payments. If unable to furnish such evidence, i demand that these payments be promptly update to reflect their true status as on time, as i have consistently upheld my obligation without delay.

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 — Account opened without my consent or knowledge
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I received what appears to be a legitimate debit card from Cash App ( issued by XXXXXXXX XXXX ) .I have never had a Cash App account, nor did I request the debit card. After calling Cash App, I was told the only way to close the account would be to give them every detail about the card, including full number, expiration date, XXXX, along with pictures of the card. This is exactly the same information the scammer would want. I haven't yet taken those steps because of how suspicious the whole process seems and how cheerful the Cash App agent was throughout my brief call. 

After searching the internet, it seems this is a common problem with Cash App and XXXXXXXX XXXX refusing to complete adequate XXXX compliance tasks and endangering people with no existing affiliation with the companies whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Received electronic prepaid XXXX as result of Equifax data breach settlement. Tried to use at 2 local grocery stores. Each time asked for a PIN which was not supplied with the card. Went into prepaid card site and added a PIN but still did not work. Store even entered card number exp date and security code but never worked. Added amount from card to my XXXX gift card but was declined each time and now card shows a balance of {$0.00}

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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.

Company 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: TN

Complaint narrative:
Hello, I am writing a file 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 postings of changes and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite current available funds. I believe this was 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 — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Basically my XXXX would never work. 
I would be getting charged overdraft charges and sometimes when I would send money it wouldnt send and it wouldnt ever bounce back. I was stuck with nothing no home no food no car .just homless

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