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: MS

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees Ive 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 practice, where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and I 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: MI

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 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I requested the original contract that I signed with this agency and they were unable to furnish any documentation as I have never signed a contract with said company. They have yet to validate they debt they are attempting to collect and reporting a monthly account status of CO on my credit report despite a collection account not being able to be charged off as there is no contract this company has violated my consumer rights continuously and after sending disputes to the credit bureaus on multiple occasions nothing has been done a proper investigation has not been conducted. Per the FCRA my rights are being violated by this agency. I have no proof that the amount they are stating I owe is accurate because no documentation was furnished

Company public response: Company believes it acted appropriately as authorized by contract or law
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: PA

Complaint narrative:
I am worried that Zelle is improperly handling disputes after hearing of the CFPB lawsuit which has highlighted significant issues with the platform. My rights as a consumer were not protected and I am fearful of this happening again in the future. This is a serious concern of customer 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to express my dissatisfaction and file a formal complaint related to my experience with Zelles handling of fraudulent transactions, which has led me to be part of the class action lawsuit against the company.

I have encountered a situation where I was a victim of unauthorized or fraudulent transactions through Zelle. Despite my immediate attempts to reach out to Zelle 's customer service for assistance, I was met with an alarming response : I was told that it was impossible to track the transactions and that there was no way for me to recover my money. This lack of accountability and support has left me feeling vulnerable and frustrated, especially since Zelle promotes itself as a fast and secure method of transferring money. 

I find it unacceptable that Zelle does not take responsibility for fraudulent activities on its platform, nor does it seem to have an effective means of tracking or preventing such incidents. This not only undermines consumer trust but also raises concerns about the company 's willingness to provide adequate protections to its users. 

I urge the court to take my experience into consideration as part of the class action, as I believe many others may be facing the same struggles. I am seeking accountability from Zelle for its lack of consumer protection, failure to provide adequate support, and refusal to help recover lost funds. 

Thank you for your attention to this matter. I hope my complaint will contribute to holding Zelle accountable for its actions and ensure that future users are better protected from similar issues.

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: PA

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: CT

Complaint narrative:
Zelles recent handling of disputes highlighting significant issues with the platform. Zelle has been very unsupportive during this time and failed to correct my situation with lost funds. Zelle has neglected consumers protection!

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: NY

Complaint narrative:
I am a victim of identity theft and someone has used my personal information to open accounts under my name and when I tried to report it to the reporting agency they kept telling me it was accurate and they would not remove these fraud accounts off 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 2025-01-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft and someone has used my personal information to open accounts under my name and when I tried to report it to the reporting agency they kept telling me it was accurate and they would not remove these fraud accounts off my credit report.

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: IL

Complaint narrative:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2025-01-16 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 compliant 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 credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices, when transactions settled with insufficient balances initially available funds. I believe these practices are unfair.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent XXXX lawsuit highlight significant issues with the platform. Despite using Zelle numerous of times and reporting dispensaries my financial institutions and Zelle failed to investigate my claims adequately. XXXX informed that lost funds are impossible to track and infeasible. The XXXX findings indicate that Zelle has not only neglected to protect consumers but have 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: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: NY

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. I explained to them that I did not receive my money and they said they could do anything about it.

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: LA

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 2025-01-16 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 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 Item

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial
State: LA

Complaint narrative:
Around XXXX I reached out to preferred lease to get a copy of the lease agreement and what was purchased. Representative stated that they offer leases for different things and was not able to pull up an account for me. I explained that I needed a copy of the purchase agreement because I felt that I may have been used in some fraudulent transactions and I needed the information to file a police report. They put me on hold came back and said that they dont have any information. And to place me on hold because I wanted the call escalated to management. A few minutes later call was disconnected. I called back got the same response from different rep.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and TransUnion for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n, which holds credit bureaus civilly liable for willfully reporting inaccurate information and failing to comply with FCRA requirements. 

The violations include, but are not limited to : XXXX. Failure to Update Sold Accounts : Multiple collection accounts on my credit report were sold to new creditors but remain inaccurately reported by the original creditors. These accounts are not marked as sold or transferred, nor do they reflect a {$0.00} balance, in violation of FCRA 623 ( a ). 
XXXX. Inconsistent Reporting : The credit bureaus are reporting inconsistent and incomplete payment histories for the same accounts across different credit reports ( e.g., payment history is reported on XXXX but missing on XXXX ), creating discrepancies that violate FCRA standards. 
XXXX. Failure to Verify Information : The credit bureaus failed to reasonably investigate disputes I submitted under FCRA 611 ( a ), continuing to report unverifiable and inaccurate information. 

Additionally : XXXX XXXX  data breach, which exposed sensitive consumer information, demonstrates a pattern of negligence. 
XXXX has a history of failing to properly verify disputed information and has been sued for similar issues. 
According to FTC guidelines, unverifiable or inaccurate information must be promptly deleted from credit reports. 

These repeated violations have harmed my credit score and caused financial and emotional distress.

Legal Basis for Complaint : Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} for each violation of the FCRA, in addition to any attorneys fees, court costs, and punitive damages.

Resolution Requested : I demand the following actions : 1. The immediate deletion of all inaccurate, unverifiable, and outdated information from my credit reports.

2. Written confirmation of the deletions.

3. Compensation of {$1000.00} per violation under 15 U.S.C. 1681n for willful non-compliance.

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: 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 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 | 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.I want the CFPB

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 — Non-sufficient funds and associated 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.

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: CA

Complaint narrative:
I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my fina cial institution and Zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and tracking these transaction was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repest 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation