vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XX/XX/year> sent XXXX from XXXX XXXX  XXXX XXXX account with Zelle and it was unauthorized and unrecognized XXXX  XXXX XXXX refused to help

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: DC

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 will authorize I will charge fees due to lag posting of charges and credits. This issue aligns with recent CFPB finance against Navy Federal for similar practices when transactions were 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: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My identity was stolen and my social security number and name were used to open a credit card with Jp Morgan Chase bank. The address used on the account is an address I have never lived at. I contacted the bank to try and resolve this and they were unhelpful and claim that I did open the account. I have done everything I know to do to try to get this resolved. I did not open a credit card with this company. This has ruined my credit and they have done nothing to help.

Company response to consumer: Closed with non-monetary relief
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: MI

Complaint narrative:
Everytime I withdraw money from account or pay for something using my card I get a XXXX dollar fee that I have to pay along with my overdraft. And its getting overcharged with fees I have to pay back.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
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: TX

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 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: 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 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.

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

Complaint narrative:
I am writing in to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have occurred despite having sufficient funds when transactions were authorize. I was charge fees due to late posting of charges and credit this issue allows with the current XXXX finance against Navy Federal for similar practices transaction settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.

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

Complaint narrative:
Account overdrawn and charged fees for unavailable funds

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: VA

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 which has led my account to being closed

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platforms practices. 

I have used Zelle numerous times for transactions, and on multiple occasions, I have reported discrepancies or issues related to transactions. However, despite my efforts to seek assistance, my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds is impossible and that tracking these transactions is unfeasible. This response, unfortunately, leaves me feeling unsupported and exposed to risk. 

The recent CFPB findings reveal that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and fraudulent activity. This lack of accountability and transparency is concerning, as it undermines the trust that consumers place in the platform. 

I strongly believe that Zelle must take immediate steps to address these issues and improve its dispute resolution processes. There needs to be greater transparency and consumer protection, especially given the increasing risk of scams and fraud within the system. It is imperative that Zelle enhances its investigative procedures, strengthens its security measures, and ensures that consumers are not left to bear the consequences of fraud or errors.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : 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 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 overdraft fees I have incurred. Despite having sufficient funds when transactions were authorizing, I was Charge 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: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
{$3500.00} was moved from my savings to my checking account and XXXX  to someone who goes by the name XXXX XXXX on XXXX. This happened on XX/XX/year>, and Bank of America refused my claim and did not provide any assistance.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB : This is not a duplicate complaint. I am requesting documented proof of the credit bureaus findings and also attached another document that for some reason keeps getting deleted for a threat, so I saved it in a different file. 
Subject : Formal Request for Proof of Investigation and Compliance with FCRA I am writing to formally request proof of your compliance with the Fair Credit Reporting Act ( FCRA ) regarding the disputed information on my credit report. I have previously disputed the inaccurate reporting of [ specific accounts, e.g., XXXX XXXX XXXX XXXX Account No. ending XXXX, and XXXX XXXX XXXX, Account No. ending XXXX ], as these accounts were settled before any charge-offs were applied. Despite providing clear proof of settlement, the inaccuracies persist. 

As you are aware, under the FCRA, credit bureaus are required to : Conduct a reasonable investigation of disputes submitted by consumers ( 611 of the FCRA ). 
Notify the data furnisher and request an investigation within five business days of receiving the dispute. 
Update or delete any inaccurate or unverifiable information within 30 days of receiving a dispute ( 623 of the FCRA ). 
I am concerned that your organization has failed to conduct a thorough investigation and failed to ensure accurate reporting, as evidenced by the continued presence of the disputed information. Furthermore, I am aware of recent legal actions, such as those initiated by the Consumer Financial Protection Bureau ( CFPB ), which highlight concerns regarding compliance with these legal obligations. 
I am beyond frustrated with the lack of professionalism and response. I have been told by XXXX that my dispures are frivilous and the other credit bureause just keep qouting the same script. So now I want proof. I am persistent and will sue!

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: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB : This is not a duplicate complaint. I am requesting documented proof of the credit bureaus findings and also attached another document that for some reason keeps getting deleted for a threat, so I saved it in a different file. 
Subject : Formal Request for Proof of Investigation and Compliance with FCRA I am writing to formally request proof of your compliance with the Fair Credit Reporting Act ( FCRA ) regarding the disputed information on my credit report. I have previously disputed the inaccurate reporting of [ specific accounts, e.g., XXXX XXXX XXXX XXXX Account No. ending XXXX, and XXXX XXXX XXXX, Account No. ending XXXX ], as these accounts were settled before any charge-offs were applied. Despite providing clear proof of settlement, the inaccuracies persist. 

As you are aware, under the FCRA, credit bureaus are required to : Conduct a reasonable investigation of disputes submitted by consumers ( 611 of the FCRA ). 
Notify the data furnisher and request an investigation within five business days of receiving the dispute. 
Update or delete any inaccurate or unverifiable information within 30 days of receiving a dispute ( 623 of the FCRA ). 
I am concerned that your organization has failed to conduct a thorough investigation and failed to ensure accurate reporting, as evidenced by the continued presence of the disputed information. Furthermore, I am aware of recent legal actions, such as those initiated by the Consumer Financial Protection Bureau ( CFPB ), which highlight concerns regarding compliance with these legal obligations. 
I am beyond frustrated with the lack of professionalism and response. I have been told by Equifax that my dispures are frivilous and the other credit bureause just keep qouting the same script. So now I want proof. I am persistent and will sue!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have numerous Capital One 360 Savings Accounts, for which deceptive interest rate practices occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle recently put in place a check for people before they send money to ensure theyre sending to the right person. In years past, XXXX, I have used Zelle and have sent it to the wrong person because Zelle did not provide a check point to check if you were sending to the right person. And they did not help me solve the issue

Company response to consumer: Closed with explanation