vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ga XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX ga XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXXXX/XX/XXXXXXXX XXXX ga XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX by XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, ga XXXX Phone Numbers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX university XXXX XXXX co XXXX XXXX XXXX XXXX accounts opened at Creditor : XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor :XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Credit line accounts opened at XXXXXX/XX/XXXX on XXXX, XXXX under account number XXXX ( XXXX ) Lines of credit accounts opened at Creditor : XXXX XXXX XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( $???? ) Bankruptcy - XXXX XXXX under account # XXXX Hard Inquiries at XXXX XXXX on XXXX, XXXX, XXXX XXXX &XX/XX/XXXXXXXX XXXX, XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation, under the Fair Credit Reporting Act ( FCRA ) to conduct a responsible 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 failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my own experience, where Experian has neither corrected nor removed the 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 a Experian inaction violates federal law and my rights as a customer.

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: 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:
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 and credits. This issue aligns with the recent CFPB findings 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 2025-01-15 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:
Im extremely concerned regarding how Zelle handles their disputes. Theres has even been a lawsuit filed by the CFPB reiterating those said issues with the money transfer platform.My disputes were not handled correctly by Zelle and the financial institutions due to inadequate investigations. They simply stated that those transactions were infeasible and they were unable to recover any funds lost.Zelle neglected to protects consumers and allow its repeat offenders to exploit the system. Thus leaving users vulnerable to scams

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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : 1 ) XX/XX/XXXX inquiry XXXX/XXXX/2024 2 ) XXXX XXXX XX/XX/year>2024 3 )XX/XX/XXXX Inquiry XXXX/XXXX/2024XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX Inquiry XX/XX/year>2024 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION : XXXX XXXX XX/XX/XXXX - INQUIRY XXXX/XXXX/2024XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXXXX/XX/XXXX INQUIRY XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX INQUIRY XX/XX/scrub>/2024 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX INQUIRY XXXX/XXXX/2024XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, MI XXXX XXXXXX/XX/XXXX INQUIRY XX/XX/scrub>/2024 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXINQUIRY XX/XX/scrub>/2024 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XX/XX/XXXX INQUIRY INQUIRY XX/XX/year>XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : 1 ) XX/XX/XXXX inquiry XX/XX/2024 2 ) XXXX XXXX XX/XX/2024 3 ) XX/XX/XXXX Inquiry XX/XX//2024XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX )XX/XX/XXXX XX/XX/XXXX Inquiry XX/XX//2024 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XX/XX/XXXX- INQUIRY XX/XX//2024XX/XX/XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXX/XX/XXXX- INQUIRY XX/XX//2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX EXPERIAN :XX/XX/XXXX INQUIRY XXXX/XXXX/2024XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX INQUIRY XX/XX/2024 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/2024XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX NA INQUIRY XXXX/XXXX/2024XX/XX/XXXXXXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXXXX/XX/XXXX INQUIRY INQUIRY XXXX/XXXX/2024 XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this formal complaint regarding Experians refusal to remove closed accounts from my credit report, despite the company 's well-documented history of data breaches that have compromised sensitive personal and financial information. I believe their actionsor inactionviolate consumer rights under the Fair Credit Reporting Act ( FCRA ), as well as related federal protections. Despite my repeated efforts to request that closed accounts be removed from my credit report, Experian has failed to take the appropriate action. 
Closed accounts, particularly those that are outdated or irrelevant, should no longer impact creditworthiness under 15 U.S.C. 1681c ( a ), which requires consumer reporting agencies to ensure the accuracy and relevancy of reported information. Experian has been the subject of lawsuits for failing to protect consumer data. Specifically, in the [ 2017 ] data breach, millions of consumers personal and financial data were compromised due to Experians negligence. This breach raises significant concerns regarding the security and accuracy of their reporting practices. 
Allowing closed accounts to remain on a report increases the risk of identity theft or fraud, especially when Experian has proven incapable of safeguarding consumer information in the past.Under 15 U.S.C. 1681e ( b ), Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Their refusal to remove closed accounts from my credit file contravenes this obligation.

As a consumer, I have the right to dispute inaccurate, outdated, or potentially harmful information under 15 U.S.C. 1681i, yet Experian has ignored my formal disputes and failed to provide adequate reasoning for retaining the closed accounts. Experian has not provided clear guidance or relief to consumers who may have been impacted by their data breach. This raises serious doubts about their ability to handle sensitive credit information responsibly and their compliance with federal consumer protection laws.

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

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 all transactions were authorized, I was charged fees due to lagged postings 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

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

Complaint narrative:
I recently reviewed my credit report on XX/XX/XXXX, and identified several hard inquiries that appear to lack a permissible purpose under the law. I have attached evidence to support my findings. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 

2. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B.

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: WI

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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