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: CA

Complaint narrative:
I am writing to inform you about how Zelle handles disputes, especially in light of the recent CFPB lawsuit showcasing the many issues with the app. Even though I have used Zelle multiple times and reported discrepancies, my financial institution failed to investigate my claims properly. I was told that they wouldn't be able to recover my lost funds since they weren't able to track it. The CFPB 's finding tells us consumers that Zelle basically neglected to protect their consumers but they have also let and protected these repeat offenders to exploit the system and leave their users vulnerable to scams. Their lack of accountability and transparency is unacceptable and makes consumers question how well are we protected.

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 information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The constant mistakes on my report are creating serious problems for me. Its frustrating to know my score is suffering because of errors I didnt cause. Its not right that these inaccuracies are costing me better opportunities.

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

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Marcus by Goldman Sachs ( Marcus ) has declined to recognize me as my XXXX parents Attorney-in-Fact on their savings accounts. Despite my repeated efforts since XX/XX/year> to submit the necessary documentation, I have encountered numerous challenges that have prevented the successful recognition of my authority and have hindered my ability to access the funds necessary to pay for their care. 
Between XXXX and XX/XX/year>, I made multiple attempts to submit the required supporting documents for Marcus to recognize me as my elderly parents Attorney-in-Fact. Two separate mailings were sent in XXXX and in XXXX to the address provided on the forms downloaded from the Marcus website ; however, these were returned as undeliverable in XXXX. In XXXX, I contacted customer service to report the death of my step-father and submitted a copy of the death certificate. 
After following up with customer service regarding the status of my request in XXXX, I was advised to resubmit the necessary documents, including an original or certified copy ( with a certified stamp ) of the XXXX of Attorney form. I was unable to send the original copy ( as I needed to retain it for other purposes ), I sought a notary to certify a copy of the document. I was subsequently advised that notaries do not provide certified stamps on copies, and instead arranged for the notary to stamp an Oath of Verification and Affirmation form to verify the authenticity of the document. 
In XXXX, I followed up with customer service and was informed that the packet had been received, but it was missing a stamp on the Oath of Verification and Affirmation form ( although the one I sent included a stamp ). I was advised that if the form were resent with the correct stamp, the packet would be approved by the documents review team. A fourth packet was sent in XXXX, and in an XXXX follow-up call, I was notified that the packet had been declined for all ten of my parents accounts due to a missing digit in the number of a single account.

Subsequent to this, I requested that my attorney take over the process of securing my recognition as the power of attorney. She resubmitted the required documents, which were received by Marcus, but she later received a voicemail indicating that they could not communicate with her without a notarized statement authorizing consent to do so. I provided my attorney this consent document which she has since submitted.

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. This is regarding multiple overdraft fees I have incurred in the last few years ( XXXX ) despite having sufficient funds when payments 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 having funds available. I believe these practices were unfair and I am requesting an investigation into my 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 2025-01-15 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 fund. 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: IL

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: 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: CA

Complaint narrative:
Please take this complaint seriously, as it is not sent in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has been causing me significant stress and XXXX Additionally, I have noticed that my personal information on the report is incorrect, which seems to be contributing to the appearance of these unknown and inaccurate accounts.

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle didnt include a disclosure agreement before sending payments. The transfers were final and there was no indication at to recoup money sent through it if it was the wrong receiver.

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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C. 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report. 

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent 9 different disputes regarding a Bankruptcy that shows on my Credit Report. I have sent disputes showing this account doesn't belong to me as well as information contained in the Bankruptcy. They continue to say it was verified but the BANKRUPTCY COURT has verified to me that they DO NOT verify any information with Credit Reporting Agencies or 3rd Party 's such as XXXX. on 9 different occasions ive been lied to about verifying this inaccurate account that doesn't belong to me. Can someone please hold them accountable for their lies and deception to me and to the public?

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

Complaint narrative:
These companies accessed my credit report without my authorization, and this has negatively impacted both my credit and my credit score. I contacted TransUnion, and their representative assured me these inquiries would be removed, yet they remain on my credit report. As a victim of identity theft, this situation has caused me immense XXXX  and added unnecessary stress to my life, on top of the harm to my credit score.

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, 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: 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: LA

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 invalid accounts from my credit bureau.

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

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, re-insertion of previous disputed items and failing to adequately notify consumers of dispute outcomes. All the above-mentioned failures align with my experience, where Experian has neither corrected nor removed disputed items despite my continuous attempts and evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 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: 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:
These accounts are reporting erroneously on my credit. I have never contracted with these companies and suspect identity theft. 



XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$1800.00}

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Name identification number : XXXX XX/XX/XXXX XXXX Name identification number : XXXXXX/XX/XXXXXXXX Name identification number : XXXX A XXXX Name identification 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have been registered with Zelle and have successfully received payments in the past. However, this specific payment has not been credited to my account. I have verified with my bank, that my Zelle registration is active and no issues were flagged on their end. 

I have reached out to the sender, who confirmed the payment was processed on their side. They also provided proof of the transaction. Despite multiple attempts to resolve this issue directly with my bank and Zelle support, the payment remains unaccounted for. 

I kindly request your assistance in investigating this matter further to ensure the funds are located and credited to my account. I am happy to provide any additional documentation or details necessary to aid in resolving this situation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Southwest Business Corporation
State: FL

Complaint narrative:
I went through aXX/XX/XXXXXXXX bankruptcy recently. I paid to have my loan reaffirmed. However, SWBC is refusing to give me access to my account online unless I refinance my mortgage. Is this even legal? They make mistakes left and right in peoples ' escrow accounts and not having access to verify what they do is unacceptable. Is it legal?

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: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I didnt get my credit fixed and the {$1200.00} payments over time. {$90.00} dollars every week that added up to {$1200.00} dollars. Nobody never contacted me or fixed my credit score. Its been over 15 years and I havent send no improvement. My information was leak. I had an apartment in my name credit cards address & all I needed up with is lost money bad credit. 
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Subject : Request for Removal of All Previous Addresses from Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to request the removal of all addresses from my credit report, except for my current address. Below are the details of my request : Current Address : XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX, LA XXXX I would like to have all prior addresses removed from my credit report to ensure that only my current address is displayed. I understand that this may require verification, and I am willing to provide any necessary documentation to support this request. 

Please confirm receipt of this request and let me know if any further action is required on my part to facilitate the update to my credit report. 

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

Sincerely, XXXX XXXX XX/XX/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