vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I filed a complaint against Navy Federal for selling my SSN to a debt collector in XX/XX/XXXX. The debt collector removed their illegal claim on the debt. However, on XXXX XX/XX/XXXX, I received a letter in the mail from Navy Federal stating that they now own the debt and that all payments must be directed to them. This letter, I believe, is an intimidation tactic employed by Navy Federal. More importantly, Navy Federal 's actions in this matter have violated the provisions laid out in the FCRA and several other federal statutes, a serious breach of trust and legality.

Navy Federal illegally sold my SSN when they sold their rights of the account to the debt collector. Now, they repurchased the debt from the XXXX XXXX, for a debt they already filed a 1099-C and received insurance compensation. A 1099-C is a form used to report canceled debt, and its absence in this case is significant. Navy Federal filed a charge-off on this account, meaning they have written off the loss. They have failed to provide a copy of the 1099-C because they know that if they do, the debt will be canceled. This further supports my belief that Navy Federal is engaged in unfair practices, violating the Fair Debt Collection Practices Act. By the mere fact that Navy Federal knowingly sold my SSN illegally, they have lost that right to collect on that account. 
It is not an exaggeration to say that Navy Federal 's actions can be considered fraudulent. They filed a 1099-C on that account, failed to provide any documentation, and intended to collect again. This is akin to creating a problem and then trying to profit from it. The debt should not be held against me nor reported on my credit report, and yet Navy Federal seems intent on doing just that.

FDCPA prohibits debt collectors in this case, Navy Federal from using abusive, unfair, or deceptive practices to collect from a consumer.

42 U.S. Code 12203 prohibits retaliation and or coercion 28 U.S. Code Chapter 176 outlines the procedures for federal debt collection, including protections against fraudulent transfers and other unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 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 inform me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems, 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 2025-01-15 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: NY

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I incurred. Despite having sufficient 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 a 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 2025-01-15 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: PA

Complaint narrative:
Dear XXXX, I am writing to express my concern regarding the reinsertion of a previously deleted XXXX XXXX XXXXXXXX XXXX XXXX account on my credit report. This account was earlier identified as fraudulent due to identity theft and was accordingly removed from my file. However, I have recently noticed that it has been reinserted without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a consumer reporting agency reinserts previously deleted information into a consumer 's file, it is required to notify the consumer of the reinsertion in writing within five business days.

Additionally, the information may not be reinserted unless the furnisher certifies that the information is complete and accurate. I did not receive any such notification, nor am I aware of any certification of accuracy provided for this account. 

I request that you : Immediately remove the reinserted fraudulent account from my credit report. 

Provide an explanation for the reinsertion of this account without the required notification and certification. 

Ensure compliance with FCRA procedures to prevent unauthorized reinsertions in the future. 

I have enclosed copies of my previous correspondence, the FTC Identity Theft Report, and the police report related to this matter for your reference. Please investigate this issue promptly and confirm in writing that the fraudulent account has been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-15 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 am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPG lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NM

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.

( 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. Iam requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had Fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: OK

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering funds was impossible and tracking it would be unfeasible. The CFPB findings indicated Zelle has neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/XXXX to XX/XX/XXXX ; I reported all 3 Credit Bureau my full name changed with a copy of my courthouse papers and copy of the same social security number under new full name due to XXXX XXXX XXXX. They refuse to update the information and i called numerous times about such matter that I can not login into my online accounts with all 3 credit bureau for they have the wrong email and the wrong phone number on file. i am stuck proving my identity. its leaving a way for me being tracked down by abusers or identity theft. i need your help! please and thank you

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 2025-01-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian account was hack/stolen and when I contacted the support line, they gave me the run around and did not help to address the issue.

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 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My account was closed due to an nsf charge that was not associated with my account. But for the account my son had.

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 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: WA

Complaint narrative:
I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, my banking institution told me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system.

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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OR

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: IA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me recovering my lost funds was impossible and tracking was not feasible. The CFPBs findings indicate that Zelle neglected to protect consumers but 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Money transfers were sent to wrong accounts and I was not able to retrieve the funds. I wasn't asked for a verification before sending and learned the information for the sender was incorrect. I contacted Chase and was told there was nothing they could do to retrieve the funds. Another transaction was made which resulted in me sending twice the amount that was necessary.

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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
iam a victim of Data Breach identity theft please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2 ( a ) GS 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 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:
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 XXXX XXXX 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

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