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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 CFFB 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 2025-01-17 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 Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle failed it investigate my claims adequately. They stated tracking these funds were unfeasable and recovering lost funds impossible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but left them vulnerable 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:
I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I would like to formally submit my serious concern for Zelles handling of financial disputes especially in the light of CFPBs recent lawsuit highlighting serious issues with the money transferring platform. I have used Zelle so many times for legitimate things and despite my requests to investigate legitimate reporting discrepancies, Zelle has inadequately investigated my claims as the service promises to do. This informed me that tracking these past transactions was impossible as well as recovering lost funds that were not my fault. The CFPBs findings show me that Zelle has neglected to protect their customers and our money. They have allowed people to exploit the platform leaving people like me vulnerable to scams. I do not feel safe using Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My Mortage company, Mr. Cooper has made an unauthorized charge to my checking account for {$1700.00}. I have been trying to get this resolved with Mr. Cooper but they have not provided a refund.

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

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

Complaint narrative:
Since the month of XX/XX/year>, I have contacted all of the three credit bureaus about duplicate accounts that are for the same collections. All three credit bureaus have allowed XXXX XXXX and XXXX XXXX to stay on my credit report even after I disputed that I did not recognize that the information as the XXXX XXXX XXXX was more than the original amount that I should have owed. Once I paid to settle the collection, XXXX put duplicates of the XXXX account as a new collection TWICE. I am currently again having to dispute the information with the bureaus on a debt I paid almost two months ago.

I am being harmed by the people who basically have our lives in their hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Since the month of XX/XX/2024, I have contacted all of the three credit bureaus about duplicate accounts that are for the same collections. All three credit bureaus have allowed XXXX XXXX and XXXX XXXX to stay on my credit report even after I disputed that I did not recognize that the information as the XXXX XXXX XXXX was more than the original amount that I should have owed. Once I paid to settle the collection, XXXX put duplicates of the XXXX account as a new collection TWICE. I am currently again having to dispute the information with the bureaus on a debt I paid almost two months ago.

I am being harmed by the people who basically have our lives in their hands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX is showing that the account was charged off and I never received the 1099C for this account and therefore the account is reflecting false information and should be removed from my credit report 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX is showing that the account was charged off and I never received the 1099C for this account and therefore the account is reflecting false information and should be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is showing that the account was charged off and I never received the 1099C for this account and therefore the account is reflecting false information and should be removed from my credit report 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: WA

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. Thank you

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 fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to formally request an immediate freeze on my credit report due to unauthorized transactions and inaccuracies caused by a recent data breach. I have noticed discrepancies and unauthorized activities on my credit report, which have raised concerns about the security of my personal information.

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: TX

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes. In light if the recent CFPB lawsuit that highlights significant issues with the platform, I wanted to be sure that my issues were acknowledge. Despite using Zelle numerous times and reporting discrepancies ', my financial institution and Zelle failed to investigate my claims thoroughly. The CFB 's findings indicate that Zelle neglected to protect it's consumers and left helpless.

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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of the disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The 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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After viewing my Consumer Reports, I've noticed some inconsistencies. Consumer Reporting Agencies play a crucial role in accuracy reporting consumer information. According to 15 US Code 1681e, it is imperative that the information being reported is of the utmost accuracy. XXXX XXXX shows a loan start date of XX/XX/year>. However, I have NOT applied or signed loan documents directly with this company. They are also showing inconsistent last payment time periods across the XXXX credit bureaus which is inaccurate. XXXX shows 30 days late. I have a loan with XXXX XXXX that started on XX/XX/year>. However, the amounts owed are different from XXXX XXXX on all XXXX bureaus, which is another inaccuracy. I have Exceptional payment history, and these inconsistencies were made without my knowledge and consent, and I request that the account and late payments be removed upon 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. My information was exposed in the XXXX data breach and aslo a XXXX XXXX breach see supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. My information was exposed in the XXXX data breach and aslo a XXXX XXXX breach see supporting documents.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
In XX/XX/year> I sent {$1000.00} to my husband via Zelle in my XXXX account. At transaction did not get to him as it kept saying pending but was deducted from my account. I cancelled it XXXX days later but the money was still deducted from my account. We learned that there was fraud on my husbands account and he did not receive the funds. His bank opened a new account for him but the Zelle of {$1000.00} still did not get to him. XXXX and Zelle both told me they could not refund the money because I sent it. It still showed as pending then canceled transaction.

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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
There has been a couple of transactions where my account reflected a negative balance when the funds where there at the time of purchase. The funds were then deducted from pay that I received from my employer. This was very inconvenient and very unfair seeing the circumstances. I would like this situation to get resolved. This is not good for those of us who chose to bank with Navy Federal Credit Union.

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: CA

Complaint narrative:
The impact of the inquiries from your company on my credit report has been ongoing and harmful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion.

2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. 

I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. 

The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXXXXXX XXXX Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n.

To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion.

2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. 

I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. 

The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXX XXXX  Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n.

To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect 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 non-monetary relief