vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy federal has been charging me overdraft fees for years when they let payments go through when I didnt have money in my account. Also, when I receive XXXX payments I have to wait 3-5 business days for the funds to be available when using XXXX the funds are usually available within minutes. I have called numerous of times about this and they can never give me answers.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00}

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 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: PA

Complaint narrative:
Equifax is still reporting incorrect information. Ive called and submitted several disputes to have this inaccurate and incorrect information removed. XXXX has not removed the information. 

XXXX. An incorrect address I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX opened in XXXX for {$28000.00} that I know nothing about 3. US DEPT OF EDUCATION XX/XX/XXXX {$1000.00} that I no Knowledge of XXXX. XXXX XXXX XXXX XXXX credit card opened on XXXX. A charge off for {$20000.00} that I know nothing about XXXX. They are reporting an incorrect name XXXX XXXX XXXX. My name on my credit reports is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation
State: AL

Complaint narrative:
I signed up for XXXX XXXX XXXX at XXXX XXXX. I was able to complete XXXX classes online because the books were online. I was paying and was paying more than required to get the debt down quicker. It was time for the XXXX class and they had no books online, test questions but no books. I looked in their online library, no textbook there or books related to that class available. I called and asked about books, when they will be sent. " We don't have them. I don't know when we are getting them. Doesn't matter. You need to keep paying. '' No, I don't. I refuse to pay for services I am not getting, you are in breach of contract. Their reply, " Doesn't matter. You signed a contract, you will pay, you owe us money, finish paying. '' When am I getting books? You're not. I said to cancel me then. They said, " Good. Now you are canceled, you failed the contract, you still have to pay us and now we do not have to send you books and we still get paid. '' They sent me to some " higher up/supervisor '' who reiterated, you canceled, we don't have to send you a thing, you will keep paying us or we will destroy your credit. I turned this over to my bank, reported fraud, turned off my debit card and got a new one. When XXXXXXXX XXXX  researched it, they discovered what I did - no physical address, no books, no campus, no school. My money was refunded in full. Now, I have this collection notice. I don't owe them a XXXX because they are not real. See the attachment. They keep changing addresses, posting fake ones. This school is scam/fraud and needs to be shut down to prevent others from losing their money or paying out of fear when none of it is real. 

Will not allow me to download a file - the address that comes up on XXXX XXXX in XXXX, PA is a XXXX XXXX XXXX XXXX XXXX, a bakery, an apartment complex, a XXXX XXXX, and a XXXX XXXX. Another address used was XXXX, AZ, at which point the occupants of the building did not include XXXX XXXX. They had a realtor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Then, they used XXXX XXXX in XXXX, AZ and that was a post office, which is no shock since they need a place to collect checks from people still paying this bill. When you blow up the picture on your screen, the address has a XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXX XXXX None of that is a university, college or school.

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: FL

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 initial available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$5200.00}, XXXX XXXX {$12000.00}, XXXX  XXXX Balance {$96.00}, XXXX XXXX  XXXX {$470.00}, XXXX  XXXX Balance {$290.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2025-01-16 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation 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 evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed account ( s ), as XXXX  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: 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Open/Closed Account Type auto loan Balance {$2800.00} Date Opened XX/XX/year> filed a lawsuit against Experian for not notifying consumers of the dispute outcome and other reasons. They have not removed this error off my credit and it is effecting my credits score. I want this matter taken off my credit report. It isnt my debt and i have submitted proof several times to them.

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: PA

Complaint narrative:
XX/XX/year>, {$2400.00} dollars was sent from my account and sent to someone, who at the time was a landlord. I was inquiring about an apartment signed over the lease and everything. I sent the money to the email provided but another one popped up instead. I thought it was a glitch but they said they never received the money but my bank account was in the negatives. I had no clue who it was. I tried to reach out to the person again and again via email. I assumed it was a glitch in the app but I never got my money back or anything, even reaching out to Zelle. I definitely was scammed. I even made a police report but they couldnt do anything! I can provide that as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This is a continuation from Synchrony BankXXXX dispute starting XXXX, XXXX until now, I have tried to send these XXXX companies more information about my account. I wanted to be clear on why the credit that Synchrony Bank has reimbursed me isn't adding up to what I am supposed to owe. There are XXXX separate statements that I have been sent that has the same amount I owe from XX/XX/XXXX through XXXX XXXX XX/XX/XXXX. I'm sending this through XXXX  because I have tried to send the documents through the link Synchrony Bank sent but I use it to explain the problems try downloading the documents in question try sending the documents and it will not allow the uploaded documents to go through the very link they sent me to share with them. Therefore, I figured they would get the information from your company, or I WILL NOT PAY THE BALANCE until we come to an agreement!

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I attempted to send funds to a recipient via the Zelle peer-to-peer payment platform. While I correctly entered the recipient 's name from my phone contacts, the transaction was inexplicably routed to a different phone number associated with that name. 
Despite immediate notification of the error to Zelle customer support, recovery efforts were unsuccessful. I was informed that Zelle operates as a facilitator of peer-to-peer transactions and does not have the authority to reverse or reclaim funds once they have been successfully delivered to the intended recipient 's account. 
This experience highlights a potential vulnerability in the Zelle system, where discrepancies between contact names and associated phone numbers can lead to unintended transfers.

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: TX

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 Credit Union for similar practices, where transaction settled with insufficient funds 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: Money was not available when promised — 
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 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 tracking a payment as the reciever was impossible 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.. XXXX  XXXX from sender and have XXXX XXXX from reciever, have been going back and forth with our banks but since Im the receiver I cant do anything and her bank has asked for proof witch was sent and doesnt let her do a refund because she authorized the payment and neither have been successful at giving us an answer she has not recieved a refund I have not recieved the payment. She has confirmation number payment went trough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Not sure if you handle these ; Its a Money Network Debit/Checking that XXXX loads weekly benefits on. I used the card XXXX dozen times, XXXX just loaded another XXXX weeks ( was @ $ XXXX weeks just deposited on XXXX @ {$6000.00} ). Went to use today at XXXX ATM ( same ATM used before ) and ERROR. Tried XXXX other locations and Error/Invalid. Its like this account never existed or has been completely removed. Spent over XXXX hours trying to contact ANYONE at Money Network ( # on back of card XXXX and another XXXX # from XXXX search ). Today, XXXX and XXXX minutes on hold, phone battery died. I tried to set up online account by entering XXXX XXXX # and Exp dates, card does not exist. XXXX response, 'We are not responsible for any money disputes between Money Network and myself '. Unable to contact ANY human at Money Network and eventhough XXXX chose this Financial Institution ( there is no option to choose other banks or my own ), they stated nothing they can/will do. Took 6 months and many many hours to win/get this very needed benefits ( I was fired with untruthful reasons, no final paycheck, Pretext, filed XXXX wage theft with employer/landlord, living out of truck since XX/XX/year> ) and now its gone and no one to answer for it. Where did it go, why is this active, just used, XXXX XXXX account just vanished and/or doesnt exist? There has to be some entity, financial institution, ruling body, that handles this. That {$6000.00} was a make/break me point in my life. Im truly devistated after waiting for this since XX/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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
Dear Collection Agency, I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without " Proper Validation and Proof Of Claim ''. As per the Fair Debt Collection Practices Act ( FDCPA ), 1 am formally requesting comprehensive validation of the alleged debt. legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, Itemized amounts, receipt or goods, and any relevant detalls directly trom the Original Creditor. Date of Last Activity. 3. Full, accurate social security number that may help to identify me as the correct person you are tryine to collect from. 4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. the obligation between your company and me that autorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identitication card ) presented at the time of incurring the debt 6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase or a bad debt is not proprietary or burdensome. 7. Any other pertinent information regarding the creation of the debt by your collection agency like a. Where the debt originated from. 2. The sum paid by the bad debt buver for thei plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection debt. Also provide a 1099.

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: EQUIFAX, INC.
State: NE

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

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

Complaint narrative:
I am writing to file a complaint about Zelles inadequate handling of disputes and its neglect in protecting users like myself from fraudulent transactions. Despite Zelles widespread use and claims of reliability, its lack of robust consumer protection measures has allowed offenders to exploit the platform, leaving users vulnerable.

I have personally experienced this negligence. After being deceived in a transaction, I promptly reported the issue to my financial institution and Zelle. However, neither entity took appropriate steps to investigate my claim or recover my funds, highlighting systemic issues with their dispute resolution process. 

The CFPBs recent lawsuit against Zelle further validates these concerns. Zelle has failed to uphold its responsibility to safeguard users and instead creates an environment where fraudsters thrive. Their refusal to adequately address disputes undermines consumer trust and contradicts the basic principles of accountability and transparency. 

I urge the CFPB to hold Zelle accountable for its failures and to push for stricter consumer protections on the platform. This will ensure that users like myself are not left without recourse in the face of fraudulent activity.

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite have sufficient funds when transaction were authorized. I was charged fees due to lagging posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
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: LA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation