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: TN

Complaint narrative:
Experian did stall tactics to not remove the following items from my consumer credit profile resulting in damages. they knowingly and willfully neglected my investigation to remove the following in accurate items. XXXX XXXX acct # XXXX {$27000.00} is in litigation and has been discharged per IRS. Experian must remove now. Experian also must remove grain account charge off from consumer credit profile. The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.

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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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: 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:
Several times I was charged for overdraft fees even though I corrected the issue of my balance. I also had outsider where they let debit cards transactions go through when I had an affirmative draft then would charge for each transaction {$29.00}.

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: AZ

Complaint narrative:
I here to write about my concerns regarding Zelle 's handling of transactions and disputes, 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 is a common problem for many other users and with a lack of accountability and transparency it 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

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 customer.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe is inaccurate or incomplete, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The collection account listed below is being reported inaccurately and I request that it be investigated and corrected : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$2900.00} I have reviewed my credit report and I do not recognize the debt listed in the above account. I dispute the following : 1. The validity of the debt : I do not believe I owe this debt or that the amount reported is accurate.

2. The ownership of the debt : I have not received any written validation of the debt from the collection agency, as required under the FCRA.

Under the FCRA, you are required to investigate my dispute and verify the accuracy of the information in question. As part of this investigation, I request that you : 1. Provide me with validation of the debt : I request that you contact the collection agency and obtain validation, including documentation proving I owe the debt, the amount, and the creditor involved. If the collection agency can not provide proper documentation, the account should be removed from my credit report. 
2. Conduct an investigation into the accuracy of the information in accordance with Section 1681i of the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report.

If you are unable to verify the accuracy of this collection account within the legally required 30-day investigation period, please delete the account from my credit report and send me a confirmation of this action.

Additionally, I request that you provide me with a copy of the results of your investigation once completed, as required by the FCRA.

Please be advised that continued reporting of this inaccurate information may be in violation of the FCRA, and I will not hesitate to take appropriate action if this dispute is not resolved promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this dispute. 

Sincerely, XXXX XXXX

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: RAS LaVrar, LLC
State: VA

Complaint narrative:
RAS LaVrar , LLC owns the XXXX charge off currently being reported on my credit report in error. This charge off does not belong to me and is causing harm

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: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: VA

Complaint narrative:
I been getting overdraft fees for the past year where my account would be in the negatives its been very much consistent.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TexCap Financial, LLC
State: TX

Complaint narrative:
Dear TEXCAP Financial LLC, This letter serves as a formal demand that you cease and desist from all further communication with me regarding the above-referenced account. I am requesting this under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

According to your records, the account details are as follows : Account Number : XXXX Original Loan Date : XXXX Amounts Referenced : [ e.g., {$16000.00}, {$4100.00}, {$6400.00} ] Status : Charge-Off I dispute the validity of the debt and the accuracy of your reporting. Additionally, I request that you verify the following : 1. The original creditor and detailed transaction history.

2. A breakdown of the amounts you claim are owed.

3. Documentation showing your authority to collect on this account.

If you are unable to provide this documentation, you must immediately correct any inaccuracies on my credit report, cease further attempts to collect the debt, and update the account status accordingly. 

Failure to comply with this request will leave me no choice but to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please consider this letter your formal notice to stop all communication with me regarding this matter, except for providing written documentation of the requested verification or to confirm closure of this 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:
In light of recent CFPB lawsuit involving Zelle, I have had occurrences with the platform that involved moving not being directly deposited, missing, or availability of funds to designated individuals. I feel that the company did not do enough to complete and ensure that all transactions via Zelle were processed correctly and adequately. This lack of awareness causes room for error and vulnerability to the end user to be scammed or lose money they trusted would be sent over.

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 about the transaction company Zelle and its handling of disputes, in light of the recent CFPB lawsuit highlighting significant issuers with the platform. Despite the numerous time I have used Zelle and reporting failings, my financial institution and Zelle have failed to investigate my claims adequately. They deemed my case and loss of funds a miscalculation, and saying the return of funds was unfeasible. The CFPBs findings point out the problems concerning consumer safety and financial privacy are neglected, leaving users open to scams. This lack of safety should be acted upon and brings up concerns about security and privacy 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
{$50.00} XXXX payment was completed and when I reached out to both parties, no one was willing to refund my money.

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: TX

Complaint narrative:
So II hope this message finds you well. I am writing to formally express my concern and dissatisfaction with the recent overdraft fees applied to my account. As a member of Navy Federal for [ XXXX  years/months ], I have always valued the services provided, but I am deeply frustrated by the repeated overdraft fees that have been charged to my account, particularly in instances where I believe they were applied unfairly.This issue recent CFPB finding with Navy federal

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: FL

Complaint narrative:
I am writing to file a complaint against Nave Federal Credit Union regarding multiple overdraft fees i have occurred Despite having sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credit these issues align with the recent CFPB finding against nave Federal for similar practices where transactions settle 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: AR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: IL

Complaint narrative:
I am writing to formally address concerns regarding Zelles processing of disputes, particularly in light of the current CFPB lawsuit highlighting numbers service issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle have failed to investigate claims adequately. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has allowed repeat offenders to exploit the system compromising the integrity of the platform and clients alike.

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:
My credit score was an XXXX plus but someone fraudulently opened up an XXXX credit card which reported to my credit report. Ive filed a police report as well as an FTC report. XXXX is violating many consumer laws. Mainly 1681 B.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score was an XXXX plus but someone fraudulently opened up an XXXX credit card which reported to my credit report. Ive filed a police report as well as an FTC report. XXXX is violating many consumer laws. Mainly 1681 B.

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:
My credit score was an XXXX plus but someone fraudulently opened up an XXXX credit card which reported to my credit report. Ive filed a police report as well as an FTC report. XXXX is violating many consumer laws. Mainly 1681 B.

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