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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, CHALLENGED OR NOT.

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: 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 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 infeasible. The CFPBs 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 customer 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: 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 filled to Fulfill, it's legal obligation. Under the fair credit reporting act ( FCRA ) to conduct a Reasonable reinvestigation Of disputed information on my credit report leaveing 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 unrealible responses, and failing to adequately notify consumers of dispute outcomes. These failures aligns 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: 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:
Account XXXX XXXX XXXX XXXXXXXX ( 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: 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: MD

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

Company 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 — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 LVNV Funding, LLC XXXXXXXX XXXX XXXX Cease and Desist and Request for Deletion of Collection Account Account Number : XXXX Credit Report Number : XXXX LVNV Funding, I am writing to formally request that you immediately cease all collection efforts and communications regarding the above-referenced account and delete the collection account from my credit reports with all consumer reporting agencies, in accordance with applicable law. 
Under the Fair Credit Reporting Act ( FCRA ) and other federal privacy protections, I am invoking my rights as follows : 1. FCRA Section 605 ( b ) Deletion of Inaccurate or Unverifiable Information Pursuant to 15 U.S. Code 1681c ( b ), any account that contains inaccurate, incomplete, or unverifiable information must be promptly removed from my credit report. Upon review, I believe that this account contains inaccuracies and/or is unverifiable. I request that you provide documentation validating the accuracy of this account as reported. If you are unable to validate it in compliance with federal law, you must immediately delete the account from my credit report.

2. FCRA Section 6802 Restrictions on Disclosure of Personal Information Under 15 U.S. Code 6802, institutions are prohibited from disclosing personal financial information to third parties without
proper notice or consent. I believe your reporting of this account may violate this provision, and I request a full investigation into this matter.

Additionally, this letter serves as a formal cease-and-desist notice under applicable laws. You are prohibited from contacting me further, except to provide written confirmation of your compliance with this request.

Failure to comply with this demand may result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory agencies. I reserve the right to pursue legal remedies for any damages caused by your failure to adhere to federal law. 
I expect a written response within 30 days of receiving this letter, confirming the removal of the account from my credit reports and the cessation of any further collection efforts. Please send all correspondence to the address listed above. FTC Report # XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

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: NY

Complaint narrative:
I am writing to express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit revealing major flaws in the platform. Despite reporting issues with transactions I made through Zelle, neither the platform nor my bank took meaningful action to address my claims. I was told that recovering my funds or tracing the transactions was not possible. The CFPBs findings highlight Zelles failure to safeguard users, allowing scammers to repeatedly exploit the system and leaving customers unprotected.

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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles mishandling of my 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. I was informed my funds were lost and impossible to retrieve. The lack of accountability 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: 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 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: NC

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 available when transactions were authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal allowing purchases and overdrafting my checking account Navy Federal credit card charging too much interest on purchases

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the fair credit act, this creditor XXXX, XXXX & equifax Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit act, this creditor XXXX, Experian & XXXX Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.

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: CA

Complaint narrative:
I am submitting this claim because of the recent CFPB lawsuit, which sues XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX for allowing widespread fraud through Zelle. The lawsuit highlights the significant issues that Zelle has. Despite being a frequent user of Zelle, through my bank, XXXX XXXX XXXXXXXX, they have failed to investigate claims multiple times and would tell me that it was impossible to track and recover the lost funds. The lawsuit alleges that these bank institutions failed to investigate the complaints properly or would fail to even provide the legally required reimbursements. Zelle has not only neglected to protect consumers but allowed repeat offenders to exploit the system, which leaves users vulnerable to scams, even all while under their own bank institutions. It's the lack of accountability that raises serious concerns for consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX obtained a FINAL judgment to foreclose the property located at XXXX XXXX XXXX. No litigation is pending. Please force either U.S. Bank or XXXX XXXX to refund my money in the amount of {$23000.00} or credit it to the amount needed to redeem my home at auction! XXXX XXXX, a loan servicer initially filed an action to foreclose on behalf of US Bank. XXXX XXXX XXXX, XXXX XXXX XXXX admitted in a certification to the court that XXXX XXXX received payment in the amount of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX, and payment in the amount of {$6600.00} from XX/XX/XXXX to XX/XX/XXXX. XXXX provided a misleading written statement to the court indicating that XXXX XXXX returned the payments each time the payment was made. XXXX XXXX NEVER RETURNED the MONEY and NEVER APPLIED the PAYMENTS to the account ; Never removed accrued late fees, interest, attorney fees, etc after receipt of payments. When a CFPB complaint was filed, XXXX Bank responded on XX/XX/XXXX and made a FALSE statement that the complaint did not belong to them. XXXX Bank intervened in the XXXX XXXX XXXX action when the court would not enter a Final Judgment with XXXX XXXX as plaintiff. A complaint with CFPB was filed against XXXX XXXX requesting the money be returned after US Bank fraudulently responded that the complaint did not belong to them. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX said they were working on it then, on XX/XX/XXXX said it could not respond because of litigation. Litigation is over and neither US Bank nor XXXX XXXX have refunded my {$23000.00}. They can't produce any issued or cashed checks evidencing they refunded the money. I would not have continued to mail payments in XXXX though XXXX if they were being returned! Also, I would file complaints requesting a refund if the money had previously been returned. If the money was returned, why is it not documented on any of the monthly account statements!

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: CA

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: 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: GA

Complaint narrative:
I disputed items on my credit and they have not fixed it

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed items on my credit and they have not fixed it

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 — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
A company charged my debit card {$3600.00} and that amount was not authorized. I called Navy Federal Credit Union to asked why did they allow that charge to go through when there was no money in the account. Navy Federal Had no answer. While my account is currently in the negative during the dispute of this {$3600.00} charge XXXX currently getting charged multiple return fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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: CA

Complaint narrative:
I am writing to share my concerns about how Zelle handles disputes, particularly in light of the recent CFPB lawsuit that exposed major flaws in the platform. Despite using Zelle regularly and reporting issues with certain transactions, neither my bank nor Zelle took the time to properly investigate my claims. I was told that recovering the lost funds wasnt possible and that tracking the transactions couldnt be done. The CFPBs findings reveal that Zelle has failed to safeguard users and has allowed repeat offenders to take advantage of the system, leaving customers vulnerable to scams. This lack of responsibility and transparency is deeply troubling and raises serious questions about consumer protection.

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: AZ

Complaint narrative:
I have been disputing the account paramount group for the last three years as fraudulent and to remove from my report XXXX has failed to properly investigate the accounts and each time it comes back as accurate Ive requested verification method And they refuse to disclose how the account is verified. Ive lost housing cars and banks because of the improper reporting of my credit report please delete 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