vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
On XX/XX/year> I bought a Visa branded debit gift card at a retail store. The card indicates that it is from VanillaGift.com, and says the issuer is XXXX XXXX When I tried to activate the card following the instructions that came with the card, the VanillaGift website returned a message that there was a system error. I immediately contacted their customer support and filed a case with them. On XX/XX/year> I provided all the documentation they requested. It has been more than three weeks since they acknowledged receipt of the documentation, and they still refuse to tell me anything more than " we are investigating- please allow us more time ''. I have contacted them several times to ask for information about the case. I feel that his delay and unresponsive customer service is unacceptable. Can anything be done to get VanillaGift to respond? While I am waiting, {$200.00} of my cash is tied up and unavailable to me.

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: Getting a credit card — Application denied
Company: U.S. BANCORP
State: MA

Complaint narrative:
I was sent a letter in the mail from US bank dated XX/XX/year> saying that the US Bank signature rewards credit card I was applying for could not be processed because I had locked my XXXX credit check. 

I called them and told them I never applied for the credit card. They sent me to their fraud dept who said I was all set ; no card or application passed. They told me as a follow-up to report this to ftc. gov

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, This is my second formal dispute concerning inaccurate information reported by Equifax. Despite my initial complaint, these errors remain unresolved. I filed for XXXX XXXX bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/XXXX, and it was discharged on XX/XX/XXXX. This was a no-asset XXXX XXXX case that discharged all pre-petition debts under 11 U.S.C. 727 ( b ).

The following accounts continue to report late payments and charge-off statuses, in violation of 11 U.S.C. 524 ( a ) ( the discharge injunction ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). These inaccuracies have severely impacted my ability to access credit with higher limits, lower APRs, and better terms, causing significant financial hardship. 

Outstanding Errors for Equifax : 5 Errors : Equifax Dear CFPB, This is my second formal dispute concerning inaccurate information reported by Equifax. Despite my initial complaint, these errors remain unresolved. I filed for XXXX XXXX  bankruptcy ( XXXX XXXX. XXXX ) on XX/XX/XXXX, and it was discharged on XX/XX/XXXX. This was a no-asset XXXX  XXXX case that discharged all pre-petition debts under 11 U.S.C. 727 ( b ).

The following accounts continue to report late payments and charge-off statuses, in violation of 11 U.S.C. 524 ( a ) ( the discharge injunction ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). These inaccuracies have severely impacted my ability to access credit with higher limits, lower APRs, and better terms, causing significant financial hardship. 

Outstanding Errors for Equifax : 5 Errors : XXXX XXXX XXXX XXXX  Account # XXXX : * XX/XX/XXXX : Remove the 60-day late status. 
XXXX XXXX XXXX Account # XXXX : * Remove the Late 90 Days status. 
XXXX. XXXX XXXX, Account # XXXX : * Remove the Collection/Charge-off status. 
XXXX. XXXX XXXX, Account # XXXX or XXXX : * XX/XX/XXXX : Remove the 60-day late status. 
* XX/XX/XXXX : Remove the 30-day late status.

Despite allowing sufficient time for investigation and correction, Equifax has failed to comply. As a result, I am prepared to pursue legal action for willful noncompliance under the FCRA, which allows statutory damages of {$100.00} to {$1000.00} per violation. Given the number of unresolved errors, I am seeking damages of a minimum of {$5000.00}, including the removals. Additionally, I reserve the right to claim actual damages for financial harm caused by your negligence. 

For your reference, this letter is connected to CFPB Complaint ID - XXXX. 

Please take this notice seriously and resolve these errors promptly to avoid legal escalation. 

Sincerely, XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Attached to this letter is a copy of my FTC Identity Theft Report, which provides details regarding the fraudulent activity. In addition, I am invoking my rights under the following legal provisions : 1. 15 USC 6802 The Gramm-Leach-Bliley Act, which mandates that consumer reporting agencies take appropriate action to prevent identity theft and ensure that consumer information is protected.

2. 15 USC 1681b Under the FCRA, a credit reporting agency may not report information if it is determined to be a result of identity theft. I request that you remove all fraudulent information from my credit report.

3. 18 USC 1028A This statute criminalizes identity theft and provides a legal framework to help consumers protect themselves from fraudulent activity. I am actively pursuing this matter in line with this law and expect your full cooperation in removing the fraudulent information. 

I request that you take immediate action to block any fraudulent accounts from my credit report. As required by the FCRA, please complete your investigation within 30 days and notify me in writing of the results, along with any actions taken to resolve this matter. 

Please also provide me with written confirmation that the fraudulent accounts have been removed from my credit report. If you need any further documentation to assist in your investigation, please inform me promptly. 

Thank you for your cooperation in ensuring that my rights under the law are upheld. I look forward to your prompt resolution of this matter.

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: 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:
Navy Federal engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 when it charged overdraft fees on debit-card purchases and ATM withdrawals when consumers accounts had insufficient funds at the time the transactions settled even though they had sufficient funds when they made the transaction. Navy Federal knew members were not likely to understand these unanticipated overdraft fees. The Bureau also found that, through XX/XX/XXXX, Navy Federal engaged in unfair acts and practices by charging overdraft fees when it delayed in posting credits to members accounts from funds received through person-to-person payment networks, even though those funds appeared to members to be available for immediate use.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding XXXX, Equifaxs Violation of FCRA in Reporting Inaccurate Information To Whom It May Concern : I am writing to file a formal complaint against XXXX, Equifax for failing to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated the FCRA by failing to properly investigate and update inaccurate information on my credit report despite my timely dispute. 
The issue concerns inaccurate reporting on my XXXX credit card account. I submitted a dispute to XXXX, Equifax notifying them of the errors and providing supporting documentation to demonstrate the inaccuracies. However, they failed to conduct a reasonable investigation or update the information as required by the FCRA. 
This failure constitutes a clear violation of FCRA provisions, particularly those that mandate credit reporting agencies to ensure the accuracy of consumer credit information and to investigate disputes thoroughly and promptly. 
The inaccuracies on my credit report have caused significant harm to my creditworthiness, and I request immediate corrective action. Specifically, I am asking that : XXXX, Equifax conducts a thorough and reasonable investigation into the disputed information. 
XXXX, Equifax updates my credit report to reflect accurate information for my XXXX account. 
A detailed explanation of their investigation findings and corrective actions is provided to me. 
Enclosed, you will find copies of the following documents to support my complaint : Supporting documentation for the dispute. 

I respectfully request the CFPB to take appropriate action to ensure XXXX complies with its legal obligations under the FCRA. I look forward to your assistance in resolving this matter and ensuring that XXXX, Equifax fulfills its duties as a credit reporting agency. 
Thank you for your time and attention to this matter. 
Sincerely,

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: MD

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 unverifiable accounts unresolved. Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as 4 addresses that I have never lived. 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 consumer.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Back in XXXX, I noticed I had 16 charges from XXXX  on my XXXX XXXX XXXX that I did not authorize. Once I saw this, I contacted XXXX XXXX and mentioned that I had fraud on my account. at this time, they put a credit on my account for the full amount of the fraud however, XXXX also noticed the fraud and added a credit to my account. Once this occurred XXXX XXXX took away the account credit they had sent me and around the same time, XXXX took away the credit as well. The 2 organizations believed the other had taken care of me already and none had. This left my account in the negative and from there I have been going back and forth with XXXX XXXX to get this resolved however every time they credit my account the next day they pull the funds back out again. I have a police report now for this incident because I am unsure what I can do at this point.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I identified multiple inaccuracies on my Experian credit report that have harmed my creditworthiness, affecting my ability to secure credit, employment, and housing. Despite submitting disputes, Experian failed to conduct a proper investigation and allowed erroneous information to remain. As a victim of the XXXX and XXXX data breaches, my personal information has already been compromised, heightening my concerns about identity misuse. Furthermore, I believe Experian is engaging in unlawful practices similar to those highlighted in the CFPBs recent lawsuit against Experian 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 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 have concerns about the lawsuit of Zelle handling disputes of recent CFPB. I use Zelle multiple times Im concerned that some of my Zelle send by mistake I wouldnt be able to recover my funds back. Zelle has not only neglected to my needs but allowed other people to stay with money that was send by accident.

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: AL

Complaint narrative:
They were letting charges go through on my account just to charge me more overdraft fees

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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 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: 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 taking the time to formally write and express my concerns regarding Zelles failure to handle disputes properly, particularly in the light of CFPBs new lawsuit highlighting significant issues with the platform. Despite using Zelle a number of times and reporting whenever discrepancies arose, my financial institution and Zelle failed to investigate my claims thoroughly and adequately. They informed me that recovering lost funds was basically impossible and that tracking these transactions was not a feasible request. The CFPBs recent discoveries indicate that Zelle has not only shown gross negligence when protecting consumers that utilize their services, but has also allowed repeat offenders to exploit the system. This lackadaisical way of operating as a financial platform has left everyday users like myself more susceptible to scams despite our best efforts to prevent it. This extreme lack of accountability and failure to be transparent is very unacceptable, disheartening, and raises serious concerns about consumer safety.

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: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorizing, I was 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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: OH

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: NY

Complaint narrative:
I am writing to formaly 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