vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AZ

Complaint narrative:
I am expressing my issues concerning Zelle. This would be in regards to handling disputes, specifically in regards to the recent CFPB lawsuit which includes issues with the transferring of money. Despite using Zelle many of times, and reporting these issues, my financial institution and Zelle havent adequately compensated me. They ensured me rather, that they would not be able to recover lost funds, and that tracking them is something they can not do. But according to the CFBP, Zelle has not only been doing right by their customers but, also allowed people to exploit their system numerous of times, affecting myself and daily consumers of Zelle. And myself and those people have been scammed.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX I closed my XXXX XXXXXXXX Bank of America account as I was a victim of fraud. 
The hackers had all my bank information from a phone clone. 
My balance at that time was $ XXXX. 
When I called Bank of America on XX/XX/year>, I was informed that my account was closed and I would receive a refund by check in the mail for {$17.00}. plus paid companion fee of {$95.00}. 
I was planning to reopen my account as I have been a Bank of America customer for XXXX  years.

XXXX months later, I received a letter in the mail that my account was XXXX  months overdue and I had to pay {$450.00}. In late fees and interest charges.

The issues have not been resolved and the bank refuses to work with me. I have written to all the credit bureaus twice and they have not been of 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 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: MI

Complaint narrative:
I am writing to formally express my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB lawsuit that highlights serious issues with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, neither my financial institution nor Zelle conducted an adequate investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The CFPB 's findings reveal that Zelle has failed to protect consumers and 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 consumer 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: 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. 
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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Received a Civil Summons from Gurstel Law Firm P.C. on behalf of XXXX XXXX XXXX of which I have never had a contractual agreement, fall of XXXX. I was served and acted ubder duress and fear of being garnished. I have now become aware of the CFPB and the role that your agency plays in ensuring that consumers are not taken advantage of. Gurstel Law Firm P.C. has obtained funds from me without providing the following : validtion of the debt, legal right to collect it. I believe that the Gurstel Law Firm P.C. acting on the behalf of XXXX XXXX XXXX, under 15 U.S.statute192g ( b ) : Under the FDCPA, debt collectors are obligated to validate the debt upon request. This includes providing prrof thatI owe the, proof that the debt collector has the legal right to collect it, and verification of the original creditor. If no validations is provided, you are required to cease collection and reporting activities.

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 — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
They are still purposely holding deposits 5 days even after they have cleared to cause over draft charges!! I mobile deposited a check last Friday..I called the bank that issued and confirm the funds were released yesterday on Wednesday. Navy refuses to add the funds to my account until Friday. They cleared all my transactions to put my in overdraft and charging me {$20.00} for an overdraft fee even tho they already have the funds from my deposit

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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 furnishes, accepting unreliable responses, and failing to adequately notify consumers if dispute outcomes. 
These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence u provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXXXXXX - {$92000.00} XXXX XXXX XXXX  - XXXX - {$39000.00} XXXX  XXXX - XXXX - {$1900.00} XXXX  XXXX - XXXX - {$280.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$570.00} Inquiry XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2023

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: 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 obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed charges a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnish errors accepting unreliable responses and failing to adequately notify consumers of disputes outcome. 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 move or amend the disputed accounts as Experian inaction violates federal laws 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I never gave any written consent to any credit reporting agency to furnish my credit report as required by law Pursuant to 15 US 1681B ( a ) ( 2 ). Permissible purpose is written consent. No consent equates to identity theft.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked for a supervisor 3 times was not given one. Would not give information. I gave him the complaint number asked for a supervisor igave him all my information again got no where. How hard can it be to get my birthdate correct. I requested a Equifax report be sent to me, updated as has not been updated since XX/XX/year>. Never got a 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: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX - I opened a new Citi Bank Checking account and had 2-3 direct deposits totaling OVER {$6000.00} plus interest gain into the new account. I tried to link one of my other accounts to the Citi Bank Checking account so that I could transfer money between accounts. As soon as I tried to transfer money, my account was blocked and frozen. I immediately called Citi Bank and they informed me that my account was closed and that they would send me a letter in the mail with a check of the remaining balance. 

I called 4 times and every time I was met without any reasoning behind the account closure and no information on the timing of remittance of funds.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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: AL

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
In XX/XX/year> I accidentally booked a hotel room using Zelle and they were unable to help me receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported debt on my credit report by NBC Management Services. 

Debt Timeline : On XX/XX/XXXX, I financed a vehicle. 
I became delinquent on the loan on XX/XX/XXXX. 
This debt was sold to NBC Management Services in XXXX. 
Issue with Reporting : After purchasing the debt in XXXX, the collection agency began reporting it to the credit bureaus. However, they failed to accurately reflect the original date of first delinquency ( DOFD ). 

Under the Fair Credit Reporting Act ( FCRA ), the 7-year reporting period must be based on the DOFD, which is XX/XX/XXXX. Therefore, this debt should no longer appear on my credit report after XX/XX/XXXX. Instead, NBC Management Services re-aged the debt, making it appear newer. This misrepresentation is a clear violation of federal law. 

Dispute Filed : On XX/XX/XXXX, I submitted disputes with XXXX and XXXX, providing proof from NBC Management Services confirming the accurate DOFD as XX/XX/XXXX. Despite having ample time to correct this error, neither the credit bureaus nor the collection agency have resolved this issue. 

Desired Resolution : I am requesting that this debt be permanently deleted from my credit report. 

The collection agency has been reporting inaccurate information for years and has had numerous opportunities to correct this violation. By continuously reporting the debt with the wrong DOFD, NBC Management Services has knowingly violated the law. This issue would have gone unnoticed if I had not reviewed my credit report carefully. 

The harm caused by this misreporting has significantly affected my credit history and financial standing. The only appropriate resolution is the complete removal of this account from my credit report. 

Supporting Documentation : I have attached the following documents to support my complaint : Proof of the original delinquency date ( provided by NBC Management Services ). 
A copy of my dispute submission to the credit bureaus. 
I trust that the CFPB will address this matter promptly and hold NBC Management Services accountable for violating the FCRA. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

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 result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this complaint on my own behalf through the CFPB to formally caution Experian about their long history of ignoring my disputes pertaining to some fraudulent accounts being reported to my credit. Experian has ignored my initial disputes, so I am writing this complaint to finally get through to them. I want the accounts listed below removed from my report immediately. I am being generous by giving them a final warning before contacting my lawyers. I know my rights as a consumer and I am well aware of the fact that my rights are currently being violated by Experian. I have no legal ownership or obligation to them, and if Experian were to do their due diligence they would see that they cant find a single piece of documentation showing I have any responsibility to these accounts. I grant the CFPB authorization to send this complaint to Experian and I grant Experian permission to remove these accounts from my report. I want an updated copy of my credit report when these accounts are removed. My drivers license, social security card, and my recent phone bill will be attached for identity verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  15U.S.C. 1681 Section 602 A. states I have the right ti privacy. 15 U.S.C. 1681 Section 604 A. section 2 : It also states a consumer reporting angency can not furnish an account without my written instruction.15 U.S.C. 1681 c ( A ) ( 5 ) Section states : No consumer reporting angency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
I am disputing the collection account with AFFIRM INC, account number XXXX XX/XX/2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AFFIRM INC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

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: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I disputed this account as inaccurate information and no respond to provide proper documentation.

Company response to consumer: Closed with explanation