vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year>2024 I received a phone call. The name that came up was XXXXXX/XX/XXXX ( I do not have an account there ). The person ( who spoke without an accent ) informed me that someone had tried to open an account with my information. Once I informed them it was not me, they then told me the person had hacked my XXXX account and was trying to make two transfers. 

In order to reverse these transfers, I had to follow his instructions which were to enter the amount and " send '' money ( he said that's not what I was doing, even though it seemed that way ) with a special code in the memo. The code was several numbers. I did this from both my checking and savings account and ended up losing {$2100.00}. This was just about everything I had at that time. I do not remember getting the " extra warning '' that I was sending to a new recipient, etc. 

It should be noted that at this time, I was a few days home from aXX/XX/XXXXXXXX and on major pain killers. The person on the line asked me if I had spent some time in the last week on public wifi, which I had in the hospital ( I believe they knew I had recently gotten out of the hospital ). 

I should have realized this was a scam immediately, but with the pain meds and the fact that I had indeed just spent much time on public wifi, I didn't catch it. But I realized as soon as I hung up. 

I went immediately to my bank ( Citizens ). They told me they would look into it but didn't think they would be able to help. I also filed a police report, about which I have heard nothing. I got a letter from Citizens stating that I had been denied and they would not return any of the money. 

I called, waited on hold for over and hour to speak to a " manager '' who rudely told me that I had authorized the transfer and despite the way the scammers played on me and despite my highly medicated state, they would re-evaluate, but again they didn't think they could help me. They said they would send me another letter with their decision, which they never did. I have heard nothing since and have given up on trying to recover any money. I am REALLY hoping you can help. Thank you.

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

Complaint narrative:
I am a XX/XX/XXXXof XXXX data breach and XX/XX/XXXX Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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: NC

Complaint narrative:
I continuously have been getting overcharged for the OOPS. I have not reached out to them. But I have noticed that this is happening to me, being over charged for the protection fees.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/XXXX 2023 SXX/XX/XXXXCreditor informationXX/XX/XXXX XX/XX/XXXX MI XX/XX/XXXX

XX/XX/XXXX 2023 XX/XX/XXXX
Creditor information
XX/XX/XXXX MIXX/XX/XXXX

XX/XX/XXXX 2023XX/XX/XXXX
Creditor information
XX/XX/XXXX
XX/XX/XXXX DE XX/XX/XXXX 2023 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXCreditor information
XX/XX/XXXX UTXX/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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: DC

Complaint narrative:
I am writing to formally expressed my concerns regarding XXXX 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was on feasible. CFPB 's findings indicated that XXXX has not only been neglected to protect consumers but I have also allow 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: DC

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 credit. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Claim Regarding Unauthorized Overdraft Protection Fees To Whom It May Concern, I am writing in response to your request for information regarding unauthorized overdraft fees charged to my checking account. Below is a detailed description of my experience : Timeline and Events : 1. Account Setup : I opened my checking account with Navy Federal in the year XXXX. In XX/XX/XXXX I opt-out of overdraft protection services. 
2. Overdraft Fees : Despite my lack of authorization, I was charged overdraft fees on several occasions. 
3. Discovery : I discovered these charges upon reviewing my bank statements and immediately contacted Navy Federal for clarification. Unfortunately, the charges were not refunded, and I was informed that overdraft protection was enabled without my explicit consent.

4. Actions Taken : I attempted to resolve this matter by calling customer service. On the first occasion after years of this going on I called to waive the {$35.00} fee and it was waived. I let it go times before because I thought it was normal. I started being more careful by taking my funds and placing them into my savings. Then money from my savings started to disappear. I then called again almost a year later because a transaction went through for a therapist I no longer was seeing. There was no money in my account which left me in the negative. I called to resolve the issue and was told it went though because it was a familiar transaction. I had no OOPS on my account which I thought my account could never over draft and ended up over - {$100.00} negative. This had been going on for years despite my efforts, the issue remained unresolved. I am afraid that I can not count how many times I have been charged a fee without any permission of overdraft protection. 

Impact : These unauthorized charges have caused unnecessary financial strain and violated my trust in the institution. 

I request a full refund of all overdraft fees charged to my account due to the unauthorized activation of overdraft protection. Additionally, I ask for confirmation that overdraft protection has been permanently disabled on my account unless explicitly authorized by me in the future. 

Please let me know if additional information or documentation is required to process this claim. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
formally file a complaint against XXXX XXXX regarding their failure to comply with my request for supporting documents to validate that an alleged debt belongs to me. I have encountered significant financial hardship due to this matter, and I believe my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 

I previously requested verification of the debt in question from XXXX XXXX, as is my right under the FCRA. However, XXXX XXXX has failed to provide the requested documentation that clearly establishes the debt as mine. Under Section 609 of the FCRA, I am entitled to receive proper verification and documentation that links the debt to me, which has not been provided. This failure to verify has caused undue financial strain, and the account remains inaccurately reported under my name. 

Furthermore, XXXX XXXX has not identified this alleged debt appropriately, which violates the Fair Debt Collection Practices Act. I have not received any clear and detailed explanation of the debt, nor have I been provided with the necessary documentation to substantiate the claim that it belongs to me.

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:
formally file a complaint against XXXX XXXX regarding their failure to comply with my request for supporting documents to validate that an alleged debt belongs to me. I have encountered significant financial hardship due to this matter, and I believe my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 

I previously requested verification of the debt in question from XXXX XXXX, as is my right under the FCRA. However, XXXX XXXX has failed to provide the requested documentation that clearly establishes the debt as mine. Under Section 609 of the FCRA, I am entitled to receive proper verification and documentation that links the debt to me, which has not been provided. This failure to verify has caused undue financial strain, and the account remains inaccurately reported under my name. 

Furthermore, XXXX XXXX has not identified this alleged debt appropriately, which violates the Fair Debt Collection Practices Act. I have not received any clear and detailed explanation of the debt, nor have I been provided with the necessary documentation to substantiate the claim that it belongs to me.

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: PA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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.

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 Zelles handling of disputes, particularly in the 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 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: OK

Complaint narrative:
Case 1 : XX/XX/year>2024, funds were deposited into checking account in the amount of {$6300.00}. Giving a balance of {$7000.00}. I proceeded to fund my uphold exchange, {$4000.00} for a purchase thatXX/XX/XXXX advanced and will process 3 business days. However, even though the deposit into NFCU XXXX Navy Federal Credit Union ) was posted and cleared on theXX/XX/XXXX on theXX/XX/XXXX XX/XX/XXXX had resent my investment citing insufficient funds which then made my trading account negative and the difference was liquidated by other investments held.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 not possible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
In XXXX  I bought concert tickets from a person and they scammed me on Zelle. They had made multiple fake accounts on Zelle and I did not know this until I had a friend try to talk to the scammer and see what other information they were going to give them. I lost out on XXXX dollars because chase did nothing to protect me or even resolve my issue. How is it that its their bank and they couldnt get the money back from the scammer? I never trusted them after this. At the end of the day you dont go in ready to buy something and use Zelle and think oh this could be a scam. I made an FBI report as well as reached out to the scammer multiple times to get my money back and reached out to chase no one helped me. I gave up on it until I saw that there is a lawsuit being filed against Zelle and I 100 % would like to participate in that so I can just my justice.

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: MS

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 fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were 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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Hello, On XX/XX/year> I have received a letter that i owed a alleged debt in the amount of {$13000.00}, I have requested the all of the information regarding to the alleged debt the collection agency only gave a partial of all the required information that i requested on XXXX different dates of XXXX, and XXXX, and as of XXXX they have reported to XXXX that the collection company is the original Creditor including that they have open the collection attempts in XXXX which i was never notified of that until the date listed above and it has hit my credit in very negative way, in addition i was still haven't received any information i have requested dating back to 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 — 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 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 not feasible. 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CLOSED ACCOUNT XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from the my fico company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Thanks so much

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