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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
During the years : XXXX and XXXX, I utilized Zelle the app and with my Bank XXXX XXXX XXXX ) and was not giving the proper disclosures/notification when I was sending and receiving money. Before sending my funds I did not receive notification stating " Are you sure you are sending this to the correct/right recipient ''. Now in the year XXXX, I do receive this notification before sending my funds to the desired recipient. This is why I am filing this complaint for the years : XXXX, and XXXX, where I used Zelle and was not given the proper disclosure ( XXXX ) as I am today. This is not lawful and I feel wronged, as I was not given the proper warnings during that timeframe.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with 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 raises serious concerns about consumer safety

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: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made my payment by the due date listed but Capital One instead is posting on the following day causing me to incur a late fee. I called them about it but they refused to take it off saying it was late and there was nothing they could do. Right! 

They have done this before, ( 2 other times at least ). The last time this happened, I called to complain they said I was late because I paid too late for eastern standard time, which was news to me as Im in California. When you have a due date, you are going by the calendar/ time of where you live. 
Regardless of how shady I thought this practice was, I made a point to pay on the date within XXXX. 
As I did with this current payment. 
I paid at XXXX my time ( XXXX. STILL on the due date. 
Now they say Im late bc it I should have paid by XXXX XXXX., Even though it was STILL the XXXX! 

I guess the billions they make on 30 % interest isnt enough, they have to find other ways to to get more money out of you regardless if its unethical or illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Identity Fraud Report Related to Equifax Data Breach Dear EQUIFAX I am writing to formally report an incident of identity fraud that I believe is connected to the Equifax data breach that occurred in XXXX. As you are aware, this breach compromised the personal information of approximately XXXX XXXX individuals, including sensitive data such as Social Security numbers, dates of birth, addresses, and more. 
Since this breach, I have experienced suspicious activity that leads me to believe my information was compromised. Specifically : 1.I tried the dispute online, but had no success due to the information on your files is inaccurate and incorrect.

2. You never updated my profile with the correct information I mailed to you in XX/XX/XXXX. 
3.You stated you VERIFY the Creditor information and it's ACCURATE, But these COLLECTIONS ACCOUNTS are FRAUDULENT due to YOUR BREACH OF MY INFORMATION and I filed an FTC IDENTITY FRAUD REPORT ON ALL COLLECTIONS ACCOUNTS.

4.ENCLOSED is an COPY OF MY FTC REPORT NUMBERS.

5. This Breach has Damaged my Life in All Forms possible.

To mitigate further damage, I have taken the following steps : 1. Placed a fraud alert and/or credit freeze with the credit bureaus. 
2. Contacted the affected institutions like XXXX AND XXXX to dispute fraudulent charges or accounts. 
XXXX. I TRIED TO CONTACT EQUIFAX BUT THE REPRESENTATIVE WOULD NOT DISPUTE IT OVER THE PHONE. 
Enclosed, please find COPY of relevant documents, including : FROM FTC Thank you for your attention to this matter. I trust that the FTC will continue to hold Equifax accountable and support consumers like me in safeguarding our identities.

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:
I am writing to formally express my concerns regarding XXXX 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 CFPBs indicate that Zelle has not neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me.Learn how it works.I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to reach out multiple times to correct all of the incorrect names and addresses that are attached to my credit reports. This has become a huge hindrance in me being able to move forward in my life and I need my full name and correct address to be updated by TransUnion, XXXX, and XXXX. I attached my correct name and address via my bank statement and my profiles need to be updated with only this information.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to reach out multiple times to correct all of the incorrect names and addresses that are attached to my credit reports. This has become a huge hindrance in me being able to move forward in my life and I need my full name and correct address to be updated by XXXX, Equifax, and XXXX. I attached my correct name and address via my bank statement and my profiles need to be updated with only this information.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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: AL

Complaint narrative:
I am writing formally to express my concerns Zelle handling of a disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost money is impossible and that tracking was unfeasible. The CFPB findings indicates that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. 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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute with Experian regarding inaccurate and incomplete information on my credit file, as well as unauthorized inquiries. Despite providing all relevant details and documentation, Experian has failed to respond to my new dispute in a timely and appropriate manner. 
Their lack of action violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate disputes and respond within 30 days. Additionally, I am concerned about the continued presence of unauthorized inquiries and inaccurate information on my credit file, which negatively impacts my credit score and financial standing.

This lack of responsiveness is unacceptable, and I am seeking CFPBs assistance to ensure Experian complies with its legal obligations. 

Attached will be the copy of my disputes that I have delivery signatures that show they received them and how they chose not to respond Also on attachment the amount of times and the dates on which they sent me same response via email after a couple tries at disputing I also want to bring to attention about the reporting of an account report on my credit file XXXX XXXX # XXXX where there are all inaccurate and missing information that doesnt match my records but they continue to report this account as verified. I know this account is not varied because I reach out to get the date of this account and doesnt match what on Experian reports. One of the biggest errors is that it reports as a charge off til XX/XX/year> but the last payment was in may how could it still report after last payment day as charge off? This inconsistency is a strong suggestion this account is inaccurate. 
Attached is also documentation to show my concerns.

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: MO

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits, 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 the tracking these funds was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability. 
And transparency is acceptable and raised 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 — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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: EQUIFAX, INC.
State: IN

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX  XXXX BALANCE {$8600.00}

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX  XXXX BALANCE {$8600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: 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 postings of changes and credits. This issue aligns with recent cfpb findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Credit card was issued to me by navy federal I have no knowledge of even having a credit card from 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: 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX '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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I need all accounts to be cleared from XXXX XXXX draft fees all accounts

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

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 XXXX XXXX XXXX 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 XXXX  XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I had money in the account at the time of purchasing but the bank will make it look like I didnt have the funds and charges me over draft fees on my account. Its been like that since Ive opened an account with Navy Federal Credit Union the first time which was years ago and the previous account I just had with them was just done the same way.

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: MS

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes. Particularly in light of the recent CFPB lawsuit highlights sifincantly issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible.

Company response to consumer: Closed with explanation