vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
During XXXX and XXXX I had multiple transactions through Zelle and XXXX  XXXX XXXX which resulted in lost funds through my account because Zelle failed to properly investigate my claims.

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: CA

Complaint narrative:
I am a victim of a data breach and victim of identity, theft, and fraud. I have attached proof from XXXX with the engagement number # XXXX for verication of this data breach. Proving I was a victim of fraud and certain accounts were opened, using my personal private nancial information without my consent or permissible purpose. Under FCRA 605B and title 15 USC 1681c-2 I must demand the accounts to be blocked and removed from my credit le immediately as it is causing me harm and damages, and is a violation of the United States privacy act. Please be aware that this is a notice of you violating my consumer rights, and in accordance with the federal law, you must cease and desist your actions immediately pursuant to title 15 USC 1692.K ( a ) ( 1 ),

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: 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 am a victim of a data breach and victim of identity, theft, and fraud. I have attached proof from XXXX with the engagement number # XXXX for verication of this data breach. Proving I was a victim of fraud and certain accounts were opened, using my personal private nancial information without my consent or permissible purpose. Under FCRA 605B and title 15 USC 1681c-2 I must demand the accounts to be blocked and removed from my credit le immediately as it is causing me harm and damages, and is a violation of the United States privacy act. Please be aware that this is a notice of you violating my consumer rights, and in accordance with the federal law, you must cease and desist your actions immediately pursuant to title 15 USC 1692.K ( a ) ( 1 ),

Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
I am writing to formally dispute Experians handling of my recent credit report investigation. Specifically, I disputed the XXXX XXXX  account ending in XXXX, yet instead of investigating and addressing this dispute as required by the Fair Credit Reporting Act ( FCRA ), Experian improperly deleted the XXXX XXXX  account where I was listed as an authorized user, which I did not dispute. This unauthorized deletion has caused a dramatic and unjustified decrease in my credit score, significantly damaging my financial standing. 

I have contacted XXXX XXXX  directly, and they confirmed that this issue stems solely from Experian, as the account in question is still reporting accurately on my XXXX and XXXX credit reports. For your reference, I have attached documentation showing that the incorrect XXXX account was deleted. 

Under the FCRA, you are legally obligated to conduct a reasonable reinvestigation of disputed items and ensure the accuracy and integrity of the information in my credit file. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic failures including : Failing to properly investigate consumer disputes, Ignoring consumer-provided evidence, Failing to communicate dispute results adequately, and Relying on unreliable responses from furnishers. 

These practices align with my experience. Despite my clear dispute regarding the XXXX XXXX  account ending in XXXX, Experian failed to investigate the matter appropriately, marking it as updated without resolving the issue. Simultaneously, you wrongfully removed an account that I never disputed, further demonstrating gross negligence. 

I demand that Experian take the following immediate corrective actions : 1. Reinstate the authorized user XXXX XXXX  account to my credit report ( see attachment ) XXXX. Remove the XXXX account XXXX XXXX. Provide confirmation of these actions in writing within 15 days of receipt of this letter. 

Should you fail to take corrective action, I will have no choice but to file a formal complaint with the CFPB and pursue all legal remedies available to me under federal law. Experians inaction has already caused significant harm to my financial position, and further noncompliance will not be tolerated.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VT

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 2025-01-15 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: SC

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. 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im writing to file a complaint against Navy Federal CU regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged excessive fees due to lagged if posted charges and credits. This issue aligns directly with the recent CFPB findings against Navy Federal for similar practices, where transactions settles 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: NJ

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. I was sent a zelle payment of XXXX on XX/XX/year> for a purchased item. After the money was sent and cleared the merchant was able to scam me through zelle and reverse the payment. I was stuck with the XXXX bill. After numerous attempts Zelle procceded to tell me there was nothing they could do about it.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  XXXX Account XXXX

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

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct 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 correct nor removed disputed items despite the evidence 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: AL

Complaint narrative:
I opened a Kickoff Lending Account in hopes of building my credit, like many other people who opened accounts with kickoff lending it did the complete opposite. It has been a total nightmare. I was promised credit building services along with a credit line in exchange for a monthly subscription, that upon full completion would be returned to me. 

Currently i have an account with kickoff lending for {$750.00} which is not really an account. They opened XXXX and reported it to my credit bureau saying i took out a {$750.00} loan which i did not. I never received this money ever. 
They have been reporting XXXX, XXXX, XXXX, XXXX late payments on my file and show it in collections. 

After calling them and stating If I Paid my {$85.00} balance would they agree to a full deletion. They said no and that they do not have the ability to do so. 

Also stating that if I paid the {$85.00} it would not update on my credit files as the total balance being refelcted. 

Also stating that if i paid less than {$85.00} thats fine but would not show settled on my credit report until i paid the {$85.00}. 

Kickoff lending is refusing to work with me, lying about their ability to report or fix the reporting. 

Upon further research there are several thousands of americans who are expereincing the same issue. 

Im willing to make this right with the company but I do think its unfair how they are handling this situation, also that its shady the only way I can pay them is sending a money order or cashiers check via mail to a XXXX 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 2025-01-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
Lexington law had class action suit for charging people money to repair credit and not doing so. i paid them for one year and called them and thy said i am not apart of it. my question is why cause my credit was never fixed.

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: AL

Complaint narrative:
For the past few months my navy federal checking account keeps going $ XXXX dollars in the negative. This is after they say I have money in my account it randomly goes negative.i dont have the specific dates on or when exactly it went negative but it currently negative about {$34.00} and im tired of repetitively paying this when i knew i had money.

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: EQUIFAX, INC.
State: MS

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

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

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX = Account number - XXXX RXXXX XXXX XXXX  Original creditor : XXXX XXXX - Account number - XXXX 15 U.S.C 1681 S

ection 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX - Account number - XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX = Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint as a last resort after exhausting all other avenues to access my credit report from Equifax. Despite my repeated efforts over several months, I have been unable to obtain my report, which I have a legal right to access. Below is a summary of my attempts to resolve this matter : Initial Attempts : I contacted Equifax multiple times by phone and initially spoke to representatives who assured me they would assist in granting access to my online account. While I eventually gained access, the information on my account has not been updated since XX/XX/year>. 

Automated Requests and XXXX : I attempted to request my credit report via XXXX automated phone system and through XXXX. Both methods were unsuccessful. 

XXXX XXXX Requests : Equifax repeatedly claimed that I need to verify my identity. Over the past several months, I have sent more than 10 letters, each including copies of my ID, Social Security card, and proof of my mailing address. 

Certified Mail Documentation : I sent my identity verification documents ( ID, social security card and proof of my mailing address ) via certified mail ( Tracking Number XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year>. On XX/XX/year>, Equifax received the letter, as confirmed by the tracking record ( see attachments ). However, I received a response dated XX/XX/year>, stating again that I need to provide proof of my identity ( see attachment ). 

Despite my repeated compliance with XXXX requirements, I continue to receive the same response, leaving me unable to access my credit report. This ongoing issue has caused significant frustration and inconvenience, as I am entitled to view my report under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPBs assistance in compelling Equifax to provide me with my updated credit report promptly and to address this recurring failure in their verification process. I am hopeful for an amicable resolution but will consider other legal remedies if necessary.

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:
This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/XXXX and XX/XX/XXXX, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.

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