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

Complaint narrative:
i am a victim of identity theft/XXXX XXXX and there are fruadulant accounts that are in result of this horrific nightmare that has happened to me. also i have called experian many times to remove the fruadulant address off of my experian credit report but they refusing to remove all the frudulant address off my current credit report, also equifax is refusing to update my current address on my credit report as well.

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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Dear CFPB, I am writing to express my concerns As a consumer who has relied on Experians credit reporting services, I am deeply troubled by the allegations outlined in the lawsuit, CFPB case # Consumer Financial Protection Bureau, ) Case Number : XXXX which include : failure to address inaccuracies, improper reporting practices, This action alleges that Experian violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate documentation or etc. 

The same issues have been happening with my disputes. There is still inaccurate information on my credit report due to this.which is also being shared with employers limiting my ability to become employed. 

The integrity of credit reporting is crucial for consumers like myself, as it directly impacts our ability to secure loans, housing, and/or employment. The allegations against Experian not only raise questions about their practices but also highlight the need for greater accountability in the credit reporting industry. I urge the CFPB to pursue this matter vigorously to ensure that consumers are protected from any unfair or deceptive practices. It is vital that credit reporting agencies maintain accurate and transparent records and provide consumers with the ability to dispute inaccuracies in a timely manner. Additionally, I would appreciate any updates regarding the progress of said lawsuit and any measures being taken to safeguard consumer rights in the credit reporting process. 

Thank you for your attention to this important matter. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/year>

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: TX

Complaint narrative:
I am writing regarding the inadequate fraud protection and dispute resolution process at Zelle. My personal experience aligns with the issues identified in the Consumer Financial Protection Bureau 's recent lawsuit against the platform. After reporting multiple unauthorized transactions, both my financial institution and Zelle dismissed my claims without proper investigation, claiming they could neither recover funds nor track transactions. The CFPB 's investigation has revealed a pattern of systemic failures in Zelle 's fraud prevention measures, particularly their inability to stop scammers from repeatedly targeting users. This deliberate neglect of consumer protection responsibilities has created an environment where fraudulent activities persist. The platform 's refusal to implement adequate safety measures and maintain proper oversight demonstrates disregard for user security and financial security.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and I noticed there are inaccuracies on my account. this is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 

here is the item I am asking you to verify as accurate Experian 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 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: FL

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

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: IN

Complaint narrative:
Zelle Will not close account even though I closed bank account at 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: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Collection account is TOO OLD to be reporting on my credit report. The last payment with the ORIGINAL creditor was sometime in XXXX, meaning account should have been removed in the year XXXX ( 7 years ). Attempted disputing account as it says the removal date is XX/XX/XXXX, but debt just comes back as verified. I am requesting PROOF showing my last payment/communication with the original creditor and how the XX/XX/XXXX removal date is being verified as such. If documentation can not be produced showing my last payment/communication with the ORIGINAL creditor was in XXXX ; collection needs to be removed immediately. It should have been gone in XXXX. 

I HAVE REQUESTED THIS INFORMATION TO BE FURNISHED TIME AND TIME AGAIN, NEXT STEP IS LEGAL ACTION!

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:
Im writing to file a complaint against navy federal for multiple overdraft fees from XXXX until now. I feel like this is 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: 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: CA

Complaint narrative:
Complaint Title : Failure to Address Credit Report Disputes as Mandated by FCRA Description : I have repeatedly contacted Experian to dispute inaccuracies on my credit report, but they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of information.

15 USC 1681s-2 : Allowing furnishers to report inaccurate or unverifiable information.

15 USC 1681i ( 5 ) : Failing to properly investigate and correct disputed information.

15 USC 1681c ( c ) : Continuing to report obsolete information. 
Accounts in question : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Experian has either failed to respond appropriately or reinserted incorrect data after disputes. This failure directly impacts my ability to access credit, housing, and employment. 

I also reference the recent lawsuit filed by the CFPB : CFPB Sues Experian for Sham Investigations of Credit Report Errors. The CFPB lawsuit underscores a systemic failure by Experian to properly investigate disputes, aligning with my personal experience. 

I request the CFPBs intervention to ensure Experian complies with the FCRA, removes inaccurate information, and provides transparency in their dispute process.

Desired Resolution : Immediate deletion of disputed accounts.

Assurance of compliance with FCRA requirements.

Written confirmation of corrective actions taken.

Supporting Documents : I have attached copies of my dispute letters, certified mail receipts, and Experians responses.

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: 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 funds. I believe these practices are unfair and request 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: 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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
identify you and your account. 
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: 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 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 Zelles handling of disputes, particularly in recent light of 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reinstatement and have not received any mail regarding this issue.

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: NY

Complaint narrative:
! am writing to formally express my concerns regarding Zelle 's handling of disputes, especially given the 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. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
The account XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) on my TransUnion credit report is inaccurate and has negatively impacted my creditworthiness, affecting my ability to obtain credit, employment, and housing. Despite being a victim of the XXXX and XXXX data breaches, TransUnion has failed to ensure the accuracy of this reported information. I am also concerned that TransUnion may be engaging in improper dispute resolution practices similar to those highlighted in the CFPBs recent lawsuit against XXXX for sham investigations, in violation of 15 U.S. Code 1691b.

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

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report and to bring to your attention that your company was sued by the CFPB? Youre failing to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) regarding my disputes. I want to dispute the following items below on my credit profile :

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally request the removal of all negative information from my credit profile due to significant concerns surrounding data security breaches and inadequate dispute investigations that have recently come to light. 
As you are likely aware, XXXX was involved in a major data breach, exposing sensitive personal and financial data of millions of consumers, including myself. This breach has raised concerns about the accuracy and security of the data currently being held and reported by your credit bureau. Given the gravity of this issue, I believe that it is reasonable to request that all negative items be removed from my credit report until a thorough and independent review can confirm the accuracy and integrity of the information associated with my profile. 
Additionally, XXXX is currently under investigation by the Consumer Financial Protection Bureau ( CFPB ) for its failure to properly investigate consumer disputes, leading to inaccurate or incomplete information remaining on credit reports. As a consumer, I am entitled to an accurate and fair representation of my credit history, and I am requesting that you act accordingly to ensure that no erroneous or unfair negative items remain on my credit file, especially in light of the ongoing legal scrutiny of the credit reporting process. 
Therefore, I respectfully request the immediate removal of all negative information from my credit profile. I understand that federal law provides rights to consumers regarding the accuracy and integrity of the information on their credit reports, and I trust that you will act in good faith to ensure that my credit history is a fair and accurate reflection of my financial conduct. 
Please confirm the removal of these items in writing at your earliest convenience. Should you require any further documentation or verification from my end, I would be happy to provide it. 
Thank you for your prompt attention to this matter.

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: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally request the removal of all negative information from my credit profile due to significant concerns surrounding data security breaches and inadequate dispute investigations that have recently come to light.

As you are likely aware, Equifax was involved in a major data breach, exposing sensitive personal and financial data of millions of consumers, including myself. This breach has raised concerns about the accuracy and security of the data currently being held and reported by your credit bureau. Given the gravity of this issue, I believe that it is reasonable to request that all negative items be removed from my credit report until a thorough and independent review can confirm the accuracy and integrity of the information associated with my profile. 
Additionally, XXXX is currently under investigation by the Consumer Financial Protection Bureau ( CFPB ) for its failure to properly investigate consumer disputes, leading to inaccurate or incomplete information remaining on credit reports. As a consumer, I am entitled to an accurate and fair representation of my credit history, and I am requesting that you act accordingly to ensure that no erroneous or unfair negative items remain on my credit file, especially in light of the ongoing legal scrutiny of the credit reporting process. 
Therefore, I respectfully request the immediate removal of all negative information from my credit profile. I understand that federal law provides rights to consumers regarding the accuracy and integrity of the information on their credit reports, and I trust that you will act in good faith to ensure that my credit history is a fair and accurate reflection of my financial conduct. 
Please confirm the removal of these items in writing at your earliest convenience. Should you require any further documentation or verification from my end, I would be happy to provide it. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation