vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

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 lagging posting of charges and credit. This issue aligns with the recent CFPB findings against Navy federal credit union for similar practices, where transaction settled insufficient balance 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to dispute the inaccurate information regarding my account with Ally Financial, which is reported as open since XX/XX/XXXX, and closed on XX/XX/XXXX. The account details indicate that my last payment was made on XX/XX/XXXX, and I have XXXX instances of being late, which is incorrect. 

Furthermore, it is reported as charged off, but I have not received a 1099, and I believe this reporting is misleading and inaccurate. I kindly request that you investigate this matter and correct any inaccuracies in my report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On multiple occasions I had XXXX  money to a recipient and without warning the funds would be sent to a wrong recipient and when I called to complain or see if I could have access to be able to get the money back because there was no warning prior to sending the money that the back had no ability to get the funds back if a mistake was made leaving me completely out of luck and having the replace the money myself

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX Portfolio Recovery called me regarding my account being in collections. I told them the account was paid and closed. Told me they will call XXXX and look into this matter. On XX/XX/XXXX I received a letter from Portfolio Recovery telling me that my dispute was denied and that I owe them the money. ( see attachment XXXX XXXX ) On XX/XX/XXXX I mailed a letter to Portfolio explaining in detail that I paid the account with attachments. ( Please see attachment Letter to Portfolio XXXX ) On XX/XX/XXXX I received a letter from Portfolio Recovery telling me that my dispute was denied and that I owe them the money. The same letter dated XXXX the only thing that changed with the date to XXXX. ( Please see attachment XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-01-16 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: MD

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 problems with the platform. The findings of the CFPB indicate that Zelle has not just neglected to protect the consumers, but that it has also allowed for repeat offenders to exploit the system, which leaves consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: 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 it's 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 filled 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 otems despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I have acount with Navy federal an I had overdrafts fee. I had XXXX payment an the money was not in the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I made a dispute on asking the company to send me evidence of the investigation and when it started, and they replied back and said that they was nothing that they could change on my credit report or remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

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 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 lacks of accountability and transparency is unacceptable and raises serious concern about consumer safety.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name :XX/XX/XXXXXXXX Account number : 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XX/XX/XXXXXXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I AM A MEMBER WITH NAVY FEDERAL FOR ALMOST XXXX YEARS AND I WAS ALWAYS CHARGED WITH OVERDRAFT FEES MY PERSONAL AND JOINT ACCOUNT WITH MY HUSBAND BUT THEY TOOK A LOT OF MONEY FROM US. IT IS KINDA SKETCHY I KNOW THAT THERE IS MONEY ON MY ACCOUNT BUT NOT SURE WHAT IS GOING ON BUT A LOT OF MONEY WAS DEDUCTED ON OUR ACCOUNT. It HAPPENED FOR A LONG TIME. PLEASE INVESTIGATE AND FIND OUT WHAT THEY ARE DOING WITH PEOPLES MONEY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

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

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XX/XX/XXXXdebt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am aXX/XX/XXXX XX/XX/XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX INT ( Original Creditor : XXXX XXXX XXXX XXXX NY ) XXXX BALANCED {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$55.00XX/XX/XXXXXXXX XXXX BALANCED {$2000.00} XXXX XX/XX/XXXX - XXXX/XXXX/2024 XX/XX/XXXX XXXX - XX/XX/scrub>/2024 XXXX XXXX - XXXX/XXXX/2024 XX/XX/XXXX XXXX/XXXX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified if this collection is an action nor that I owed the debt. 
This letter is to inform you that I have the right to request validation of this debt and your ability to collect this money from me. 
I ask that you prove that I am indeed the party to whom you are contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
An agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXX/XX/XXXX XXXX Balance : {$30000.00} XX/XX/XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Certainly! Here is a more detailed version of your statement : I am writing to formally express my growing concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which reveals significant flaws in the platforms practices. Over the course of several transactions, I have utilized Zelle multiple times and, each time, encountered discrepancies that I reported to both my financial institution and directly to Zelle. Unfortunately, despite my repeated efforts, neither my bank nor Zelle provided a satisfactory investigation into my claims. Instead, I was informed that recovering the lost funds was simply not possible and that tracing the disputed transactions was not feasible. 

The findings from the CFPB lawsuit paint a concerning picture, showing that Zelle has not only failed to protect its users but has also allowed fraudulent activity to flourish by permitting repeat offenders to exploit the system. This lack of proper safeguards leaves users, including myself, exposed to scams and financial loss without recourse. The failure to offer meaningful protection for consumers in these situations is both alarming and unacceptable. 

Moreover, the lack of transparency and accountability in how Zelle handles such disputes further exacerbates the issue. Consumers are left vulnerable, with no clear path to resolution or protection against financial fraud. This undermines trust in the platform and raises serious concerns about the overall safety and security of using Zelle for transactions. It is critical that immediate action be taken to address these concerns and ensure that consumers are better protected from fraudulent activity in the future.

Company response to consumer: Closed with explanation