vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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

Complaint narrative:
I was trying to send my moms friend {$210.00} on XX/XX/year> on my XXXX XXXX app through Zelle. I sent it to her account, but it was connected to her XXXX XXXX account that was closed. I wasnt aware of this because it didnt specify that I wasnt able to send it to her account because it still let me send the money. She didnt receive the money because she already closed that account prior to me sending it. I called XXXX XXXX and asked if they could refund my money back, and they said to claim a dispute so I did. A couple weeks later I received an email saying that they wouldnt be able to refund my money back since it has already been sent even though the account I sent it to was closed.

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: UT

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 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: SC

Complaint narrative:
I am writing to file a complaint against my 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 Nave 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 2025-01-16 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am submitting a complaint against PayPal. Specifically, I am trying to get refunded for the {$3600.00} that was stolen from my account on XX/XX/year>. Here is what happened : On XX/XX/year>, someone hacked into my XXXX account. 
After gaining access, they ordered seven XXXX  and had them shipped to an industrial park in Florida ( I live in Ohio ). The XXXX # and XXXX XXXX in the address are not real. Here is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Out of the seven XXXX that were ordered, I was able to cancel three of them directly with the sellers on XXXX. Unfortunately, the other four were shipped and delivered via XXXX on XX/XX/year>, costing me a total of {$3600.00}. 
o My PayPal account was linked with my XXXX account, so this is where the money came from to pay for the XXXX 
o At the time, I had {$1600.00} in my PayPal account. This was wiped clean to pay for the four XXXXXXXX leaving me with a negative balance of {$1900.00}. 
I was informed by XXXX that my financial institution ( PayPal ) would reimburse me for the fraudulent transactions. They said its typically an easy process. 
Unfortunately, after filing a claim ( XXXX ) and several appeals, PayPal refuses to reimburse me for the {$3600.00}. In fact, they have sent me to collections for the balance that is owed to them.

I think that it is incredibly unfair that I am responsible for the fraudulent transactions that happened in my PayPal account. My hope is that PayPal will reimburse me for the {$3600.00} that was stolen from my PayPal account. 
o From PayPals user agreement ( https : //www.paypal.comXXXX XXXX XXXX XXXX, it says that PayPal will cover you for the full amount of the unauthorized activity o From my independent research, it also appears that financial institutions are required to reimburse their customers for fraudulent activity when it is reported in a timely way ( which I did immediately ). 
Here are the reasons PayPal gave me for denying my refund : o We are unable to accept your claim XXXX XXXX XXXX account use. After a thorough review, we have found no indication that an unauthorized party initiated the activity.

o I have loads of evidence, including from XXXX, showing that my account was taken over ( ATO ), using PayPal to pay for the XXXX XXXX  that I never received. 
Here is a list of the attachments : o Police Report that I filed on XX/XX/year> o Message from XXXX saying there was unauthorized access to my account on XX/XX/year> o Another email from XXXX stating the XXXX transactions have been flagged for fraud o Message from XXXX showing ATO from the XXXX XXXX on XX/XX/year>. 

For resolution, I am hoping PayPal will reimburse me the {$3600.00} that was stolen from my account and stop sending me to collections.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Zelle misleading and not allowing to correct the money sent. Zelle did not ensure correct person received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Countless times in XXXX I would see zelle charges and have not sent money. And once I sent it to someone and they lied about who it was

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: FL

Complaint narrative:
I am expressing my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle a lot of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and untraceable. The CFPBs finding indicate that Zelle has neglected to protect its users and allowed repeat offenders to exploit the system

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: CA

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 2025-01-16 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: IL

Complaint narrative:
My credit has taken a major hit due inaccurate information sent from XXXX XXXX XXXX. I had an account with XXXX since XXXX. My vehicle has been paid off and I have received the title. A few days ago, I received an alert on my Credit stating that I have a 30 day late showing from XXXX, XXXX  XXXX. It dropped my credit score XXXX points on all credit bureaus. Im in the middle of applying for a home equity loan and this have hurt my chances. I need over a XXXX credit score to be approved now my scores are XXXX. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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:
Iam writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having insufficient 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 Nagy Federal for similiar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into account transactions for both of my checking accounts.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, my account was placed into forbearance due to being part of the SAVE program. I continued to make payments throughout, taking advantage of the 0 % interest rate. On XX/XX/XXXXXXXX  I had made a {$1400.00} payment towards my final loan that brought my total owed down to {$2100.00}. Under my loan details, that was the balance showed until XX/XX/XXXXXXXX  when I made a final payment in full of the {$2100.00}. Once that payment had cleared on XX/XX/XXXX, I showed a balance of {$0.00}. 

On the morning of XX/XX/XXXX I logged into the account to see if I had any notification of final payment or the loan being paid in full, and I noticed that I now owed a balance of {$17.00}. I used the chat function within the website, and was quickly greeted by a representative. She would check back in every few minutes to say she was researching my account, then ended the chat without answering any questions. I was able to get another representative ( XXXX ), and she informed me that my outstanding balance as of XX/XX/XXXXXXXX  was {$2200.00}. I told her that was not the information I was provided, and explained that just the day prior I showed a balance of {$0.00}. She said that she was sorry, but the only way for the account to be closed was to pay the {$17.00}. I ended the chat with her and called the direct line. 

Once on the phone, I notified the new representative that I would record the call for my records. She had told me the same thing as XXXX, but this time when I explained the situation further, she said she would talk with a team lead. After a brief hold, they were able to remedy the situation and re-XXXX  my account back out. They mentioned that there was a software glitch that caused payments to not be reported on their end. 

My concern is that if I would have just listened to the first two representatives, I would have had to pay the new balance due. It was not a large amount by any means, but {$17.00} spread out over millions of borrowers could result in MILLIONS stolen from customers at no fault of their own. I recommend any borrower do their due dilligence and maintain physical evidence of payments and balances owed upon every transaction.

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: FL

Complaint narrative:
File Number XXXX Date Issued XX/XX/XXXXXXXX  TransUnion sent mail addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This information is incorrect The proper way to address me is XXXX XXXX XXXX XXXX ( self aware living man ) c/o XXXX XXXX XXXX XXXX, Florida Near ; [ XXXX ] Let it be known to all that I, XXXX XXXX : Libonati explicitly reserve all of my rights. Pursuant UCC1-308 which was formally UCC1-207

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Account Issue : I opened three credit card accounts with Barclays in XX/XX/XXXXXXXX  : the JetBlue card, the Wyndham Earners card, and a business credit card. Shortly after opening these accounts, Barclays requested identity verification documents. I promptly submitted my identification and proof of address on three separate occasions t

o Barclays ' Security Department. Approval Confirmed : I had a recorded conversation with a representative from the Security Department where I was informed that my documents were approved, and the issue was
resolved. However, about a week before the physical cards arrived, my accounts were locked again, and Barclays requested the same documentation for a fourth time. 
Repeated Delays : Despite complying with all requests, Barclays has consistently delayed resolution. I was repeatedly told by representatives and supervisors that the issue would be resolved within 48 hours, but weeks passed without any progress. On multiple occasions, Barclays confirmed that there were no additional issues and that I would regain access to my accounts, yet the problem persists. 
Reporting to Credit Bureaus : Barclays reported these accounts to the credit bureaus, which now reflect on my credit report. However, I have been locked out of these accounts since XXXX and have not been able to use them. 
Payment Due : Barclays has set a payment due date of XX/XX/XXXX, despite my inability to access my accounts. I am unable to sign in, view statements, or make payments. 
Impact on Me : This situation has caused significant inconvenience and stress. I have complied with all verification requests, yet I am being penalized for Barclays ' mismanagement.

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: AL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable 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 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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, 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 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: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable 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 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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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