vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Deletions Under CFPB Action and FCRA Compliance Dear XXXX XXXXXXXX XXXX , I am writing to formally dispute inaccurate, unverifiable, and outdated information on my XXXX credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) and further supported by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for failing to conduct adequate investigations into consumer disputes, I demand the immediate removal of all items that fail to comply with federal law. 

The CFPB 's enforcement action highlights XXXX  's responsibility to ensure disputes are resolved through proper investigation, as mandated by 15 U.S.C. 1681i. Despite previous attempts to resolve these issues, XXXX has failed to provide sufficient verification or correction of the following accounts : XXXX XXXX XXXX Dept. of Education/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Issues with These Accounts : Reporting beyond the allowable time frame Incorrect or inconsistent personal information Paid-off or settled accounts inaccurately reported as open or delinquent XXXX 's actionsor lack thereofnot only violate the FCRA but also contradict its legal obligations, as detailed in the CFPB lawsuit. The law explicitly requires that any disputed information that can not be verified within the statutory time frame be deleted. 

I hereby request the following : Full and transparent verification of the disputed accounts within 30 days. 
Immediate deletion of any account that can not be verified or is inaccurate. 
Written confirmation of all corrections made to my credit report. 
Failure to resolve this matter will result in the filing of formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and other regulatory bodies. Additionally, I reserve the right to pursue legal remedies for any damages caused by Experians failure to comply with federal law. 

Enclosures : Copy of my credit report with disputed items highlighted Copy of my government-issued ID Proof of address Please treat this matter urgently and provide written confirmation of the resolution within 30 days of receipt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Mistakenly send a Zelle transfer to the wrong person

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: HI

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 transaction where 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 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 2025-01-15 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: GA

Complaint narrative:
Updated the correct information on account and remove incorrect information on account.

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: TN

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.

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: 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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: GA

Complaint narrative:
Well there was times where I would sent money and I would try to get it back cus it was obviously sent but when I tried it would say oh u cant get it back it never gave the option to like 2 step verify

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: TN

Complaint narrative:
I disputed accounts thats was on XXXX the company didn't not conduct a investigation instead they sent a stall letter in my email which violate the Fair Credit Reporting Act they is furnish inaccurate information on my credit report which is consider fraud information was requested from 15 U.S.C.1666 b timing of payments. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if15 U.S. Code 1681e - Compliance procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I disputed accounts thats was on Equifax the company didn't not conduct a investigation instead they sent a stall letter in my email which violate the Fair Credit Reporting Act they is furnish inaccurate information on my credit report which is consider fraud information was requested from 15 U.S.C.1666 b timing of payments. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if15 U.S. Code 1681e - Compliance procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required

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: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Misused by XXXX and understand the other party information was correct 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 explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One deceived me and other holders of its " 360 Savings '' account by conflating it with its newer and higher-yield savings account option, the " 360 Performance Savings '' account. The bank allegedly failed to notify 360 Savings account holders of the newer option.

Capital One increased the 360 Performance Savings interest rate from 0.4 % in XX/XX/XXXX to 4.35 % in XX/XX/XXXX, while it lowered and then froze the 360 Savings rate at 0.3 % between late XXXX and XXXX

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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the unauthorized access and disclosure of my personal information due to a data breach involving your company. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I demand an immediate investigation into this matter and a full resolution.

This breach has exposed my sensitive personal data, putting me at risk of identity theft and other fraudulent activities. As required under the law, you are obligated to ensure the accuracy, privacy, and protection of consumer information. I expect prompt action to : Investigate and address the breach.

Remove any inaccurate or unauthorized entries resulting from the incident.

Provide me with a detailed report of your findings.

Please confirm receipt of this dispute in writing and respond within the 30-day time frame mandated by law. Failure to act may result in further legal action to protect my rights.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having issue Going on with XXXX XXXX XXXX, ACCOUNT OPENED XX/XX/XXXX. 
CREDIT LIMIT XXXX USD. I USED FOR APPROX 23 MONTHS CLOSED BY XX/XX/XXXX BUT REPORTED AS LATE PAYMENT UNTIL XX/XX/XXXX AND CLOSED XX/XX/XXXX I had 3 Credit Cards with them in Past which all 3 were Closed, I always paid them on time and there was no no Late payment with Them Never, i always Paid them on time but its been more then 1 year that 1 of the Closed XXXX XXXX Account which i opened with XXXX XXXXXXXX on XX/XX/XXXX and i used it about 2 years and i always always paid them on time never late but suddenly they closed my card and just ended everything so later on accounts closed and paid in full all balance as agreed and account closed with them by XX/XX/XXXX but after few months i Noticed that Suddenly showing on Credit Report With XXXX and Transunion and XXXX That it is showing showing late payment for XX/XX/XXXX, and XX/XX/XXXX and then XX/XX/XXXX but paid and closed in XX/XX/XXXX, but actually it was paid and closed fully by XX/XX/XXXX So that 90 Days 3 Late payment of that single 1 XXXX  XXXX Account is still still showing on my Credit Report from last 1 year and i am Tired and Exhausted i disputed with XXXX and they not correcting the report and also the XXXX XXXX lender is not Correcting this wrong reporting I want justice because this thing affected my score by XXXX Points i am stucked badly and cannpt get anything because of this wrong reporting bad report I want justice and want that wrong Reporting to be Removed ASAP. 

ITS A REQUEST TO XXXX AND TRANSUNION AND XXXX THAT DO JUSTICE AND REMOVE THE LATE PAYMENT NEGATIVE REMARK ONLY AS THIS IS 1 YEAR NOW AND TOO BAD AND UNJUSTICE WITH ME PLEASE FOLLOW FAIR CREDIT ACT RULE POLICY OR I HAVE TO USE MY RIGHTS STRICTLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having issue Going on with XXXX XXXX XXXX, ACCOUNT OPENED XX/XX/XXXX. 
CREDIT LIMIT XXXX USD. I USED FOR APPROX XXXX  MONTHS CLOSED BY XX/XX/XXXX BUT REPORTED AS LATE PAYMENT UNTIL XX/XX/XXXX AND CLOSED XX/XX/XXXX I had 3 Credit Cards with them in Past which all 3 were Closed, I always paid them on time and there was no no Late payment with Them Never, i always Paid them on time but its been more then 1 year that 1 of the Closed XXXX XXXX Account which i opened with XXXX  XXXX on XX/XX/XXXX and i used it about 2 years and i always always paid them on time never late but suddenly they closed my card and just ended everything so later on accounts closed and paid in full all balance as agreed and account closed with them by XX/XX/XXXX but after few months i Noticed that Suddenly showing on Credit Report With Experian and XXXX and XXXX That it is showing showing late payment for XX/XX/XXXX, and XX/XX/XXXX and then XX/XX/XXXX but paid and closed in XX/XX/XXXX, but actually it was paid and closed fully by XX/XX/XXXX So that 90 Days 3 Late payment of that single 1 XXXX XXXX Account is still still showing on my Credit Report from last 1 year and i am Tired and Exhausted i disputed with experian and they not correcting the report and also the XXXX XXXX lender is not Correcting this wrong reporting I want justice because this thing affected my score by XXXX Points i am stucked badly and cannpt get anything because of this wrong reporting bad report I want justice and want that wrong Reporting to be Removed ASAP. 

ITS A REQUEST TO EXPERIAN AND XXXX AND XXXX THAT DO JUSTICE AND REMOVE THE LATE PAYMENT NEGATIVE REMARK ONLY AS THIS IS 1 YEAR NOW AND TOO BAD AND UNJUSTICE WITH ME PLEASE FOLLOW FAIR CREDIT ACT RULE POLICY OR I HAVE TO USE MY RIGHTS STRICTLY

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 — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I sent money with zelle many times before they had a warning about checking if the person receiving the money was correct. I had many times where money was sent but it entered up going to another person and I was never able to get the finds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit 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: 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 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 also has allowed repeated offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I lost {$400.00} sending to the wrong number without fair warning beforehand in 2018.

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: CA

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 my 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 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Assoc No action was taken no proof of anything, no hard copies.

Company response to consumer: Closed with explanation