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

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

Complaint narrative:
I am writing to formally address my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit that has brought critical issues with the platform to light. Despite being a frequent Zelle user and reporting transaction discrepancies, both Zelle and my financial institution failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions could not be done. The findings from the CFPB reveal that Zelle has not only failed to provide adequate consumer protection but has also allowed repeat offenders to exploit vulnerabilities in the system, leaving users exposed to fraud and scams.

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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts on my credit report, as reported by creditors or collection agencies. These inaccuracies are damaging my credit profile, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Furthermore, I urge you to ensure that the reporting complies with METRO 2 standards as set forth by the Consumer Data Industry Association ( CDIA ). 

Accounts in Dispute XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Issue : Incorrect reporting of charge-off and inaccurate balance of {$730.00}. 
Discrepancy : The Date of First Delinquency ( DOFD ) is not established, potentially causing incorrect reporting duration. 
XXXX Account Number : [ XXXX XXXX XXXX  ] Issue : The Charge-off was reported incorrectly as {$770.00} without proper substantiation. 
Discrepancy : XXXX XXXX and unclear balance calculation, including fees and interest rates. 
XXXX XXXX XXXX Account XXXX : XXXX Issue : Charge-off reported with a balance of {$11000.00}. 
Discrepancy : The account status and reporting of payments do not comply with FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : [ XXXX XXXX XXXX  ] Issue : Late payments and charge-offs were reported inaccurately. 
Discrepancy : Payment history does not align with the original creditors documentation. 
Specific METRO 2 Concerns Under METRO 2 guidelines, all data furnishers must ensure the accuracy of the following : Base Segment Field 25 ( Date of First Delinquency ) : Accurate DOFD is required to determine the appropriate reporting period.

Field Code 19 ( Payment Rating ) : Must accurately reflect the payment performance at the time of reporting.

Field Code 21 ( Special Comments ) : Must include any clarifications if the account was impacted by extraordinary circumstances, such as disputes or errors.

Compliance Condition Codes ( CCC ) : Ensure proper coding for disputes, charge-offs, and late payments to avoid misleading reporting.

Company response to consumer: Closed with non-monetary relief
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 formally to express my concern regarding Zelle and the way they handle disputes. Especially with lawsuit that focuses on significant issues with the platform. Zelle has failed to report discrepancies and fail to adequately investigate claims. When funds are lost they have told me it was impossible to track and refund. Zelle has failed to to protect consumers and has allowed repeated offenders to exploit the system.

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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP 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 a 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

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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A payment through zelle was made accidentally from my bank account and the bank response to my problem was that they couldnt do anything about it because it had been sent when they didnt advertise that anywhere in the app

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: 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. 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

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: NV

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 I personally think is wrong and have experienced inconveniences with Zelle.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX Balance : {$16000.00}

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
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:
Iam 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 2025-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I go to make a payment to MOHELA for Federal Parent PLUS loans on XX/XX/year>. I have XXXX loans, so specify payment amounts to each, starting with the higher interest rate loan. I allocated my payments ( XXXX to the XXXX XXXX XXXX  to the XXXX % loan ) and then I see a new " billing directions '' selection pop up ( see attached ). 

Their wording is very convoluted, and seems to me a way to confuse the borrower and burn their cash on interest instead of paying down principal, as most who make an overpayment would intend. I'm not sure why I would want to pay interest ahead of time, it hasn't accrued yet! If I'm making a payment OVER the monthly amount, that should ALWAYS go to paying down principal. 

I may be biased against MOHELA, but regardless, there is no way that's a clear and transparent explanation of the options. If the borrower can't understand what their provider is telling them and chooses an option that goes against their intentions, they are harmed. MOHELA is not being clear and transparent with their borrowers.

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: NY

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my account with Navy Federal Credit Union. This account has been inaccurately marked as " verified '' on my credit report despite my previous requests for validation, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

According to the FCRA, you are required to ensure that all information reported on my credit file is accurate, complete, and verifiable. To date, Navy Federal Credit Union has not provided any sufficient documentation that proves the validity or accuracy of this alleged debt. Specifically, they have failed to provide : 1. A copy of the original contract and agreement associated with this debt. 


XXXX. A detailed breakdown of how the balance was calculated, including any fees, interest, or other charges applied to the account. 


XXXX. Evidence of my liability for this debt, showing my signature or acknowledgment of the obligation. 


XXXX. A statement from Navy Federal confirming that they legally own the debt and are entitled to collect on it. 



Under Section 1681i of the FCRA, as a consumer, I have the right to dispute inaccurate or unverifiable information, and you, as a credit reporting agency, have a duty to conduct a reasonable investigation. The fact that this account continues to be listed as " verified '' without proper documentation is a clear violation of my rights. 

I demand that this account be removed from my credit report immediately due to the lack of evidence supporting its validity. If Navy Federal Credit Union can not provide the proper proof within 30 days, I expect this negative entry to be permanently deleted from my file. 

If this matter is not resolved in accordance with the law, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil action under the FCRA for damages. 

Please confirm receipt of this letter and provide me with an update on your investigation within the statutory time frame of 30 days. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I signed up mid XXXX XXXXor my Savings account with Capital one I was promised a higher APY which I have on a copy of my statement. As time goes by the money I get back monthly as interest for my money kept in my savings doesnt seem right, they seem to have lowered the APY on my savings account without any notice, when the whole reason I opened up a savings account with Capital One Bank was because they promised a Higher Rate than many banks and now they dont seem to be holding up to what they promised.

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: CA

Complaint narrative:
I am writing to formally raise concerns about Zelles handling of disputes, especially in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which exposes significant issues with the platform. Despite using Zelle extensively and reporting discrepancies, neither my financial institution nor Zelle took adequate action to investigate my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. 

The findings from the CFPB reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, putting users at risk of scams. This lack of accountability and transparency is unacceptable and highlights serious deficiencies in consumer protection.

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: CA

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 was infeasible. 
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.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: 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'm writing to formally share my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud.

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: TX

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

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