vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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. The lack of transparency and accountability 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: SC

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn 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 2025-01-15 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of my dispute, particularly in light of the new CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle multiple times and reporting issues, my bank and Zelle failed to further investigate my claims properly. They both informed me that the recovery of any lost or miss allocated monies was impossible and that tracking these transactions were not feasible. The CFPBs reporting indicate that not only has Zelle neglected to protect myself and customers alike but also has allowed repeat offenders exploit the system, leaving myself and others vulnerable to the blatant scams. This has left me to worry about the consumer safety and shoes that there was a lack of accountability and transparency on their end.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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:
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 removeddisputed 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
Letter For Collections Date : XX/XX/XXXX To Whom It May Concern : Attention Credit Reporting Agencies, XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXX I have no knowledge of this debt and the debt was allegedly purchased by IQ DATA INTERNATIONAL INC. This account must be deleted as the status of this account is entirely incorrect, the amount stated on my credit report is also not correct ( {$7900.00} ). This account has been purchased by IQ DATA INTERNATIONAL INC for a lower amount. 


The information being reported is not CORRECT, NOT ACCURATE, NOT COMPLETE AND NOT FAIR which VIOLATES the FCRA policy. I demand that this account be removed from my credit report IMMEDIATELY!! 

IQ DATA INTERNATIONAL INC has also failed to validate this debt in the timely manner given. There are numerous errors being reported with this account which is not accurate or complete per FCRA guidelines. They have also failed to provide a contract signed by myself agreeing to the terms of this debt. I DO NOT HAVE A LEGALLY SIGNED CONTRACT WITH IQ DATA INTERNATIONAL INC. This debt is being reported illegally and must be DELETED IMMEDIATELY. 

In your response you stated that this debt came to your office on XXXX of XXXX. Which means you have purchased this debt for much lower than {$7900.00}. Which also means that this amount on my credit report should reflect as such since that previous debt of {$7900.00} is no longer accurate. The debt has been written off. Which also means it is being reported illegally. FCRA states that ALL INFORMATION being reported will be ACCURATE, COMPLETE AND FAIR. Which means that this total is incorrect and this account must be REMOVED IMMEDIATELY. 


Thank You

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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has put over 100 inquiries on my report when I froze my credit report, and Equifax has done the same thing please remove those inquiries I have lawyer as of XX/XX/year> cause my credit was 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: GA

Complaint narrative:
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 palances despite initially available funds. 
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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, especially after the recent CFPB lawsuit highlighting major issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering the lost 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. 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
see attached 15US Codes 1681A Definition rules of construction paragraph 2 titled exclusions state " that transactions do not report to the consumer report. '' Late payments are a form of transaction and late payments reporting to the consumer report is a violation of the Fair Credit Reporting Act. Hence, a breach of the late payment directly violates the Fair Credit Reporting Act. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report. The late payments reported for this account are incorrect. This account has always been paid in full and on time. I have never been late on this account and I request that the inaccurate late payment information be removed from my credit report immediately.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
I disputed an XXXX charge on my current account that was made for over {$400.00}. XXXX instructed me to contact current bank and instructed them that because my bank cards and that purchase was not made using my XXXX account the only way they could find the account that someone had used my card under was if my bank filed a dispute because the money and purchase were not made under my XXXX account. I sent am email and called the bank in charge of current and they transferred me to a representative from current I explained i had XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX on XX/XX/year> and on that day the XXXX XXXX XXXX XXXX XXXX  until after XXXXXXXX XXXX that night inwhich made it appear I was XXXX on XX/XX/year> the purchase from XXXX were made after I was XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> so I had no access to purchase anything from XXXX. Current bank has still not yet done this because they are saying I wasn't XXXX til the day after even after I sent proof I was XXXX  at the time of the purchase. That was not the only fraudulent charges made during my XXXX XXXX XXXX between XXXX. I provided proof I was XXXX  and the XXXX  instructed me to explain because they didn't XXXX XXXX til after XXXX on the XX/XX/year> that it wouldn't show i was XXXX until XX/XX/year> however if they called and spoke to XXXX records department they would confirm i was in fact in XXXX XXXX XXXX  during the time of the XXXX purchase 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: 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 2025-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Charge-Off Account Due to Inaccurate Activity Dates Dear Jefferson Capital Customer Service , I am writing to formally dispute the charge-off account associated with my name and the account number XXXX. This account was reported as closed with the status of " Seriously Past Due. '' Upon reviewing my credit report, I found that the activity date listed as XX/XX/year>, is inaccurate. This discrepancy is significant, as it impacts my credit history and score. 

**Request for Removal** : Due to the inaccurate reporting of the activity date, I request the immediate removal of this charge-off account from my credit report. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report, and I believe this account does not accurately reflect my credit history. 

Please conduct an investigation into this matter and provide me with written confirmation of the results. If the activity date can not be verified as accurate, I kindly ask that you remove this account from my records. 

Thank you for your prompt attention to this matter. I look forward to your response. 

XXXX 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My correct name is XXXX XXXX I have NO middle name. 
PLZ REMOVE XXXX XXXX XXXX. 

REMOVE these addresses ASAP!! I've never lived there. 
XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX REMOVE these employers ASAP. I've never worked at these locations. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX

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 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: Money was not available when promised — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
I sent {$200.00} to an individual. She stated she never received it. After trying XXXX send it again Zelle did not let me use the app again. I had to send through another account again {$200.00} dollars this time it went through but the next day both transactions showed o my account. After talking to may bank they said Zelle controlled all the transactions and they could not helped. When I contacted Zelle they said they did not have any way to keep track of the money or do a refund. I was put {$400.00} because Zelle could not not track the money that magically disappeared and never arrived to the recipient

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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified 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. Im requesting immediate corrective action to removed or amend the disputed accounts, as Experians 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: NJ

Complaint narrative:
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: 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 have been having issues with my account since XX/XX/XXXX up until current date XX/XX/XXXX of overdraft fees on my account even when showing I have a deposit pending due to Navy Federal posting the deposit late.

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