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

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate information reported by XXXX on my credit reports, which is adversely affecting my credit score. Upon reviewing both my Equifax and XXXX credit reports, I have identified several discrepancies in the reporting of my account with XXXX. 

The following discrepancies were noted : 1. Last Payment Date : Equifax reports the last payment date as XX/XX/year>. 
XXXX reports the last payment date as XX/XX/year>. 
2. Monthly Payment Information : Equifax shows the monthly payment as XXXX. 
XXXX shows the monthly payment as -, which I believe is inaccurate. 
3. Account Type : Equifax lists the account as an XXXX loan. 
XXXX lists the account as an XXXX XXXX. 

These inconsistencies are clearly erroneous and violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure that information on consumer credit reports is complete, accurate, and verifiable. Specifically, under FCRA Section 607 ( b ), 15 U.S. Code 1681e ( b ), both Equifax and XXXX are required to maintain accurate records. Furthermore, XXXX, as a data furnisher, is responsible under FCRA Section 623 to report accurate information to credit bureaus and correct any errors upon discovery. 

Additionally, I would like to bring to your attention the Federal Trade Commission ( FTC ) guidelines, which require credit reporting entities to correct any inaccuracies and respond to disputes in a timely manner. The discrepancies mentioned above indicate that the reporting entities have not fulfilled their obligation to ensure accuracy. 

Moreover, Equifax and XXXX have both been subject to breaches that have compromised the security of personal data. These breaches, especially those affecting the accuracy of credit reporting, should be taken into account when addressing this dispute. Under the FCRA, credit reporting agencies are obligated to ensure not only the accuracy but also the integrity of the information they report. 

I am requesting that the CFPB investigate this matter and require XXXX, Equifax, and XXXX to immediately correct these inaccuracies and remove this account from my credit report if it can not be properly verified. I ask that you prioritize this dispute due to the significant impact these inaccuracies have on my financial standing and creditworthiness.

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: LA

Complaint narrative:
Funds going through with no money in .excessive overdraft 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally expressed 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 loss funds was impossible and 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. The 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have encountered. Despite having sufficient funds when transactions were authorized, I was charged fees due to late posting of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe and know the practice are unfair and request and 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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I do not have access to my account. It says that I cant login.

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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees that I have incurred over the years. Despite have sufficient funds when transactions were authorized. I was charged fees due to lagged posting of debits and credits. This issue aligns with the recent CFPB findings against navy federal credit union for similar practices, where transactions settled with insufficient funds balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have asked the companies that show up on my credit report, as well as requested the credit bureaus to delete all inquiries, closed accounts, and collections from my credit report because I believe or know that I am a victim of the recent data breaches that the credit bureaus fell victim to themselves. I have asked for proof that my signature is on any paperwork, where I requested any of these inquiries. Where is the paperwork from the collection agency, that shows that I signed an agreement with them?

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 — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am writing to file a formal complaint regarding the improper practices of JEFFERSON CAPITAL SYST, which is attempting to collect a debt that has not been properly verified. I have requested verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient evidence to substantiate the claim. 

Specifically : No Original Signed Agreement Provided : The collection company has not provided a copy of the original signed agreement to prove that I am responsible for the alleged debt.

Improper Verification of the Amount Owed : They have not adequately verified the exact amount owed, excluding interest or fees, as required by law. 

I believe these actions are a violation of my rights under the FDCPA and potentially other applicable laws. I request that you investigate this matter and ensure the collection company is held accountable for adhering to federal regulations. 

Enclosed, please find copies of all correspondence related to this matter, including my request for debt validation and the collection companys response ( or lack thereof ). 

I appreciate your attention to this matter and look forward to your assistance in resolving it. Please feel free to contact me if you need additional information.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> - SSN : XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously " investigated '' and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 2025-01-16 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:
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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
You have not supplied proof under the doctrine of XXXX by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i presume that no proof of the alleged debt in fact debt exists. This account is also listed as open as that is inaccurate as well.

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 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: 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 express my concerns with the mishandling of Zelle and the leading cause of issues with consumers. Zelle failed to investigate my issue and no closure was reached or even discussed The neglect and mishandling is unjust and leaves individuals open to constant harassment and vulnerable to more serious issues with no protection I was left to fend for myself and pay out of pocket over XXXX $ due to the mishandling and mismanagement of Zelle and others involved

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: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to address the unexpected and unjustified closure of my Chase Freedom credit card account. As a loyal Chase customer of nearly XXXX  years with an impeccable payment history, this action is deeply concerning and unacceptable. Violations of Consumer Rights This closure violates my consumer rights under federal law : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. The abrupt closure of my account without prior notice infringes upon this right. Fair Credit Billing Act Under 15 U.S.C. 1666B, a creditor may not treat payments as late if they were made on time. I have never missed a payment or caused a late payment on this account.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 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 instigate 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I cashed a mail in check I received from Tower Loan in XXXX or XXXX of XXXX. I had an unexpected XXXX and was out of work for a while and got behind on bills, and needed the money when I received the check in the mail. I made a payment in XXXX and have been struggling financially ever since due to decreased work hours, and just everything being so expensive now. I have stayed in contact with my local branch in XXXX XXXXXXXX XXXX. The past few weeks I have been getting call from XXXX, who said he is the XXXX XXXX. He calls myself, and then he will call my work after o have already talked to him. I have asked him to please stop calling my work but he said he doesnt have to. This week alone I have talked to him Monday, Tuesday, and today. He tells me every time he has to have a payment today or else. I told him the earliest I can pay would be Friday. He then calls my work. Someone name XXXX called me at XXXX tonight and said he has to have a payment tonight, I again explained to him it would be Friday. He then told me that they would continue calling my work if I did not make a payment tonight. I asked him to get them to stop can my work mail a letter telling them to take them off the call list, because I have never consented to them calling my work anyways. He told me that he would personally put the paper in a shredder if I did not make a payment tonight. It made me XXXX XXXX to my stomach. I am 2 months behind and XXXX in constantly threatening to sue me and get a judgement against me. I beg him every time please work with me, I have took out several loans with this company and always have paid back within weeks/ months but I am just struggling financially right now and he states he dont care. I have promised I would pay the loan off completely next month when I get my income taxes but he states he will not wait until then. This company has made me XXXX XXXX and I cant handle the harassment and threatening any longer. Please help me and hold these XXXX XXXX accountable for predatory attempts at scaring someone to death.

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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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: CA

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. 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