vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 was charged a fee before the 30 days and I alrea Had money in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging system issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes these failures align with my experience where XXXX has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate correction action to remove or amend the disputed accounts as experience in action, violate the federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am filing a claim against XXXX XXXX for fraudulent transactions linked to my account from XX/XX/year>2022 through the end of XX/XX/year>2022. These transactions were unauthorized and caused significant financial hardship. I did not initially notice the fraudulent activity until Wells Fargo sent me a letter notifying me of a negative balance due to bad checks. Upon investigating, I discovered that these charges originated from my XXXX XXXX account. 

In XX/XX/scrub> 2022, my phone and wallet were stolen, leaving my financial accounts vulnerable. Due to a medical condition that affects my memory, I had stored sensitive passwords and financial details in my phone, which did not have a lock. This allowed unauthorized individuals to access my XXXX XXXX and other financial accounts. The fraudulent activity resulted in a negative balance of {$3900.00} on XXXX XXXX and over {$2500.00} in fees and overdrafts with Wells Fargo, which I am still repaying under a payment plan. 

Once alerted by Wells Fargo, I began investigating the transactions myself, as the bank did not conduct a thorough audit of my account to identify fraudulent patterns. My investigation revealed that the fraud began as early as XX/XX/scrub> 2022, well before the theft of my phone and wallet. I noticed wire transfers from fake accounts and deposits I could not explain. For instance, an individual named XXXX XXXX sent {$500.00} to my XXXX XXXX account and attempted multiple transfers, which ultimately led to significant overdrafts on my Wells Fargo account. 

On XX/XX/year>2022, the fraudulent activity escalated. Several transfer attempts were made from my Wells Fargo account, starting with a failed attempt for {$1000.00}. This was followed by XXXX failed attempts of {$500.00} each before a transfer was finally approved. After this, the perpetrators made a fake money transfer into my account to disguise the fraud and withdrew real cash from ATMs. 

Despite my efforts to explain the situation to Wells Fargo, I was unable to resolve the matter. I am requesting that XXXX XXXX review this claim and reimburse the fraudulent charges.

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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my 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 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my 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 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:
I was using the account for my small things swiping at stores for gas! Navy Federal then allowed someone to take control of my account when we both were authorized users Im not understanding how that works at all I havent been able to get correct information on why or nothing. They told me my name was removed for security reasons thats all. I was going by XXXX XXXX XXXX

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: EQUIFAX, INC.
State: AK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I attempted to contact Experian to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from Experian, leaving the issue unresolved and continuing to impact me unfairly.

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: CA

Complaint narrative:
I am writing this to express my concerns regarding Zelle 's handling of disputes, in regards 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. They informed me that recovering lost funds and tracking these transactions was not possible. 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 XXXX users vulnerable to the scams. It gives serious concerns about consumers 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: OH

Complaint narrative:
On XX/XX/2023 {$490.00} sent to an unknown user. 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX XXXX ) as proof from the US Federal Trade Commission that all 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I'm writing to formally express my concerns with 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 allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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 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. 

I have had multiple transactions over XXXX XXXX in lost funds.

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: AK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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: AUSSRQ Holdings, LLC
State: NY

Complaint narrative:
I am filing this complaint against Oliphant USA , LLC regarding their improper handling of an alleged debt of {$120.00}. Oliphant has attempted to collect this debt without providing proper validation or proof of ownership, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). They have reported this unsubstantiated debt to credit bureaus, causing harm to my financial standing. No contract or agreement exists between myself and Oliphant, and I have not conducted any business with them, making their actions fraudulent and constituting identity theft. I have already filed a report with the Federal Trade Commission ( FTC Report XXXX XXXX ) to address this misconduct.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX never been late XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX Fraud Account XXXX XXXX XXXX XXXX XXXX XXXX Account The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and XXXX enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft 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 explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A fraudulent charge was made on our Bank of America checking account in the amount of {$6000.00} on XX/XX/year>. I received a text alert that the large charge had been made and that my checking account was overdrawn by almost {$5000.00}. I immediately contacted Bank of America and made the fraud claim. I was told that the fraudulent charge would be credited and the investigation opened. I contacted the merchant and was able to have them verify that the charge was fraudulent and attempt to stop the processing charge from clearing. Bank of America did not credit my account and left me with the overdrawn balance, which was then rolled onto a Bank of America credit card automatically. I have followed up every day since making the claim and have been told that the credit would be issued likely that same day or the next. The credit had still not been issued. The merchant has confirmed to me that the online charge was fraudulent and flagged by their own internal fraud department and the order was stopped. However they have not been contacted by Bank of America to confirm as much. Bank of America told me today that the claim was first escalated at my request on XX/XX/year> and that there is nothing they or I can do to expedite anything. In fact, the customer service representative I spoke to at Bank of America on XX/XX/year> was the one that told me she didnt know why this claim wasnt escalated immediately upon making it and that it was clear that this charge should have never gone through based on my account and security settings. I have verification from the merchant that the charge was fraudulently made by someone that used our debit card number, but was made in another name entirely. Bank of America has done nothing to verify this charge was fraudulently made and will not issue me the credit for the amount.

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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute the furnishing and/or obtain of my credit information, as I have never provided written consent to such actions, which are required under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). Upon reviewing my credit report, I have noticed that certain entities may have accessed or furnished my personal credit information without my authorization or permission. Specifically, I have never signed any document granting such consent to Experian or any of the companies listed. XXXX XXXX and XXXX XXXX XXXX Under 15 U.S. Code 1681b, a consumer reporting agency is only permitted to furnish my credit report under certain conditions, which include my written permission for certain situations. As such, I request that you : XXXX. Provide documentation demonstrating that I provided written consent for the access or furnishing of my credit report. XXXX. Remove any inquiries or accounts that were made or opened without my express written permission. XXXX. Conduct a full investigation into the matter and send me a written statement of the outcome, as well as any corrections made to my credit report. Please consider this a formal dispute under the Fair Credit Reporting Act. I expect you to complete your investigation and respond within the XXXX period required by law. Failure to comply with these legal requirements may result in further actions to protect my rights. Thank you for your prompt attention to this matter. I look forward to your response.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I mistakenly put on you guys website that my information was incorrect on my credit report. This was done in error and my information is in fact correct. When a lender tired to pull my equifax report it states that the information on my report is fraudulent and not correct. Ive spoke with equifax had them to remove any fraud alerts but the lender is still unsuccessful at pulling my report and the only thing I can think of is when I came to be cfpb website and entered the information incorrectly.please help me with asap. Never been

Company response to consumer: Closed with explanation