vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
My balance has increased since XX/XX/year> from {$45000.00} to {$45000.00}. No interest has or should have accrued since my loan is in administrative forbearance per the government. The reports on my account do not show any interest has accrued so there is no information on why the balance increased. Their phone system is also very difficult to navigate as my call kept looping back to the automated message from the beginning of the call.After waiting nearly 2 hours on the line, the call hung up on Mohela 's end. This is atrocious as it should not be this difficult to reach someone at Mohela. They are making student loan borrowers miss time off work and their life to be on the phone for hours of which we do not have to spare.

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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Zelle did not have a clear way to make sure monies sent were going to the right account. It is nearly impossible to reverse a transfer once sent.

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:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit reporting agency negative items affecting my day to day life. I cant even get a bank account because of the negative reports done by the agency. 15 USC 1691 and 12 CFR 1002 state no one could be denied credit due to credit score history or income yeah and you know every time I apply, I would like native items on every agency important agency to be removed or blocked Per 605B and 15 USC 1681. I know XXXX is being sued and XXXX or TransUnion has XXXX  or FDCPA ( or one of those agencies ) down their for some reason Please I would like remedy as soon as yesterday. 

XXXX XXXX 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 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: NY

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 were unfeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concern 's about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Disputed inaccurate reporting of XXXX XXXX  with Experian and XXXX. XXXX agreed due to XXXX  the account would be removed out and removed. I submitted this information to Experian and XXXX and the dispute came back as " verified ''. 

Submitted information to CFPB company responded basically with no admission of guilt. Only they reported what XXXX reported. That was not true. XXXX agreed to remove the account. The cfpb reported the account should be removed. The account remains on my credit report to date. Driving up my mortgage rates due to low credit score. This hurts consumers and monetary damages of {$1000.00} is not enough!!

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: MN

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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

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 dispute 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding 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 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 repeated 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.With this being said the pictures below are from XXXX of 2022 XXXX different payments to a person named XXXX XXXX who posed as someone else and refused to send my money back a total of XXXX. When I tried to refund this on Zelle they refused and said there was nothing I could do about the money I lost

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: GA

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 finding 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. The lack of transparency is unacceptable and raises serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX 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 XXXX, alleging systematic 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 actions to remove or amend the disputed accounts, as XXXX '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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX 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 XXXX, alleging systematic 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 actions to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Company did not comply in the right manner according USC. This situation has happened multiple times on my account.

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: NC

Complaint narrative:
I am writing to file a complaint against Navy federal credit union. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal, for similar transactions that were settled with insufficient balances despite initially available funds. I believe this is unfair and I want my account investigated into these transactions.

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

Complaint narrative:
I am writing this to file a complaint against Navy Federal credit union regarding multiple overdraft fees I incurred despite having sufficient funds when transactions were authorized. I was charged fees ( each being {$20.00} ) due to lagged posting of charges and credits. These issues align 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. I have incurred over {$500.00} in fees since XX/XX/year>.

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

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Certainly! Below is a template for a dispute letter to the CFPB ( Consumer Financial Protection Bureau ) regarding late payments reported on your credit report, referencing the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681.

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payments Reported on My Credit Report FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding the late payments reported on my credit file with respect to BRIDGECREST and the account number XXXX. Upon reviewing my credit report, I have noticed that late payments are being reported inaccurately for the account mentioned, and I believe this information is incorrect. 

This dispute is filed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which entitles me to dispute any information on my credit report that I believe is inaccurate or incomplete. The late payments on my report do not reflect the actual payment history, as outlined below : Dispute Details : 1. Date ( s ) of the reported late payment ( s ) 2. Reason for dispute : I have made timely payments during the months when these late payments were reported, and I believe the information is inaccurate for the following reasons : The creditor may have failed to properly process my payment or applied it incorrectly.

Request for Action : As required under the FCRA, I am requesting that the CFPB assist me in ensuring this matter is thoroughly investigated. I would appreciate it if the credit reporting agency or creditor is required to verify the late payment ( s ) and correct or remove them from my credit report if they can not be substantiated. If the payments were made on time, they should not be reported as late.

Under 15 USC 1681i, I ask that the information be corrected or removed from my credit report if it is found to be inaccurate. Additionally, I request that you inform me of the results of the investigation within the 30-day period specified by the law.

Thank you for your assistance in resolving this issue. I look forward to a prompt resolution, ensuring my credit file is accurate and up to date. 

Sincerely, XXXX XXXX

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: FL

Complaint narrative:
I would like to file a complaint against navy credit union for all the over draft fees I have incurred.despite of having sufficient funds when transaction were authorized. I was charge fee due to lagged posting of charges and credits.This issue align with with the recent CFPB findings against navy federal for similar practices, where transactions settle for insufficient balances despite initially available funds. I believe that these practice are unfair request a investigation into my account transaction.

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: 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Dispute Inaccurate Account Information Dear TransUnion, I am writing to formally dispute the erroneous account information on my credit report. This issue is of great concern as it undermines the accuracy and integrity of my credit profile. 

This raises serious concerns about how TransUnion is verifying this information. 

Erroneous Reporting of Closed Accounts Additionally, the following accounts are inaccurately reported with past-due balances despite being closed : XXXX XXXX ( two accounts with the same number ) Amounts : {$890.00}, {$1000.00} XXXX XXXX Amount : {$15000.00} XXXX XXXX XXXX Amount : {$3700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX Amount XXXX {$1900.00} XXXX XXXX Amounts : {$15000.00} Closed accounts can not legally carry past-due balances. My previous disputes regarding these inaccuracies have been dismissed with generic responses stating, Your information has been verified and will remain on your report, but no proof has been provided. 

Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681i, TransUnion is required to : Conduct a reasonable reinvestigation of disputed information when notified by a consumer. 
Provide all relevant data regarding the dispute to the furnisher of the disputed information. 
Correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving the dispute. 
Since these accounts are being inaccurately reported and TransUnion has failed to verify the information, I am requesting immediate action to resolve these issues. 

Actions Requested Provide Proof of Investigation : Supply verifiable documentation of how the disputed information was investigated and verified. 
Delete Inaccurate Closed Accounts : Remove the inaccurate accounts from my credit report. 

If TransUnion fails to address these concerns, I will escalate this matter by filing further complaints with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action to enforce my rights under the FCRA. 

I request a written response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
i am writing to formally express my concern regarding zelle 's handling 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 told me that recovering lost funds was impossible and that tracking these transactions were unfeasible.the cfpb 's finding indicates that zelle has not only neglected to protect customers but has also allowed repeat offenders exploited the system. leaving us users vulnerable to scam.this lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.

Company response to consumer: Closed with explanation