vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a disputed charge to my checking account at Navy Federal Credit Union ( NFCU ). A hotel charged me for a reservation that I did not make. I received no emails from the hotel that I even had a reservation. 

I tried to get the hotel to refund the charge, but the hotel refused. I then disputed the charge with the bank, Navy Federal Credit Union. NFCU requested any documentation that I had - confirmation emails, etc. Since I did not make the reservation, I did not have any documentation. I informed NFCU that I did not have any documentation. 

NFCU denied my claim due to lack of supplied documentation. I am not sure how to provide documents that do not exist...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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: IN

Complaint narrative:
I paid in full XXXX XXXX on XXXX. Received pd in full first part of XXXX. 

I paid loan XXXX in full in XXXX. XXXX. Next day it said I owed XXXX cents. I paid that same day. XXXX  days later Mihela said I over paid loan XXXX {$24.00}. 

I paid loan XXXX and XXXX in full on XXXX. 
I called Mohela XXXX and asked for the overpayment on loan XXXX to be applied to loan XXXX. I paid loan XXXX in full except XXXX. 

To this day I've made XXXX calls and spoke with different supervisors who said they expedited the ticket to correct this. 

XXXX on Mohela site it showed now I have a balance on XXXX XXXX. Also today loan XXXX says XXXX balance but doesn't show pd in full anymore. 

Seems to be getting worse not better.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Accounts from Credit Report Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX Dear XXXX, I am writing to formally request the removal of the following accounts from my credit report : XXXX. XXXX XXXX  XXXX  account # : XXXX XXXX. XXXX XXXX account # : XXXX XXXX. OneMain account # XXXX These accounts were recently removed from my XXXXXXXX XXXX XXXX  and in accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that all reporting agencies maintain accurate and consistent information. Since the aforementioned accounts have been removed from my XXXX XXXX  XXXX, they should no longer appear on your records either. 
Legal Basis for Request : Under Section 1681i of the FCRA, I am entitled to dispute and request the removal of inaccurate or obsolete information from my credit report. The removal of these accounts from XXXX XXXX  XXXX  indicates that they are no longer considered valid or accurate, and it is therefore a violation of the FCRA for these accounts to still be reported on your credit bureau. 
Additionally, under Section 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. As these accounts have been removed from one credit report ( XXXX ), I expect the same action to be taken with respect to your credit agency 's records. 
Request : I demand that you promptly delete these accounts from my credit report. If the accounts are not removed within 30 days of receiving this letter, I will consider pursuing all available legal remedies under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation that these accounts have been removed from my credit report, or explain the reason for any failure to do so. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX last XXXX of XXXX : XXXX XX/XX/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 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Accounts from Credit Report Accounts : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Dear XXXX, I am writing to formally request the removal of the following accounts from my credit report : XXXX. XXXXXXXX XXXX XXXX account # : XXXX XXXX. XXXX XXXX account # : XXXX XXXX. XXXX  account # XXXX These accounts were recently removed from my XXXX credit report, and in accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that all reporting agencies maintain accurate and consistent information. Since the aforementioned accounts have been removed from my XXXX credit report, they should no longer appear on your records either. 
Legal Basis for Request : Under Section 1681i of the FCRA, I am entitled to dispute and request the removal of inaccurate or obsolete information from my credit report. The removal of these accounts from XXXX credit reporting indicates that they are no longer considered valid or accurate, and it is therefore a violation of the FCRA for these accounts to still be reported on your credit bureau. 
Additionally, under Section 1681e ( b ) of the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. As these accounts have been removed from one credit report ( XXXX ), I expect the same action to be taken with respect to your credit agency 's records. 
Request : I demand that you promptly delete these accounts from my credit report. If the accounts are not removed within 30 days of receiving this letter, I will consider pursuing all available legal remedies under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please provide written confirmation that these accounts have been removed from my credit report, or explain the reason for any failure to do so. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX last XXXX of XXXX : XXXX XX/XX/XXXX

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: NY

Complaint narrative:
I'm concerned about Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Although I've used Zelle numerous times, when it has come to disputing an unauthorized charge, they failed to investigate my claim. They informed me that recovering the money was impossible and that tracking the transaction was unfeasible. The CFPB 's findings indicate that Zelle has allowed repeated offenders to exploit the system and hasn't cared about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union has been taking lots of overdraft fees and return check 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX there were four pending charges from a company called XXXX, who is a payment partner with a company called Trustly. there were three charges in the amounts of {$100.00} and one was for {$5.00}, totaling {$300.00}. The debt collector XXXX has an outstanding balance of {$320.00}, which includes aThe debt collector XXXX  has an outstanding balance of {$320.00}, which includes a {$20.00} late fee. I immediately called my XXXX XXXX XXXX regarding my checking account. They did an inquiry and said it was some gambling racket. they declined the charges and reversed the pending charges on my bank account on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email from the debt collection agency, XXXX And I am trying to resolve it as quickly as possible.

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: WI

Complaint narrative:
I am reaching out to formally raise my concerns about Zelle 's approach to handling disputes, especially in light of the recent lawsuit by the CFPB, which has revealed serious issues with the platform. Despite using Zelle many times and reporting discrepancies, neither my bank nor Zelle took sufficient steps to investigate my claims. They informed me that recovering lost funds was not possible and that tracking the transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users exposed to scams.The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I am submitting this dispute letter under the Fair Credit Reporting Act ( FCRA ), adhering to the CFPB guidelines. Please note that I will not include personal information, such as my name, account number, address, Social Security number, etc. However, I understand that I may be asked to provide some of this information later to help the company identify me and my account. 

I am disputing the inaccurate and fraudulent information being reported on my credit report by the company named XXXXXXXX XXXX XXXX XXXX XXXX  Specifically, the account number XXXX was reported as a collection account on XX/XX/year>. I have never had a late payment, nor do I have any business relationship with this company. 

I requested that XXXXXXXX XXXX XXXX XXXX XXXX provide the purchase agreement and any other relevant documents proving full ownership of the account. After failing to furnish proof of the alleged debt, the account was removed from my credit report. However, it has been reopened under another collection agency named ONLINE COLLECTIONS G., with which I have no account or purchase agreement and to whom I have given no permission to report any debt on my behalf. 

As a XXXXXXXX XXXX living in New Jersey my entire life, I have never resided in New York, where this debt allegedly originated. This fraudulent and inaccurate reporting has caused significant distress and harm to my credit standing. I urge the CFPB to have this erroneous information removed from my credit report as soon as possible.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), particularly 1681i, I have the right to dispute inaccurate information, and the reporting agency has the obligation to investigate and correct or remove any unverifiable information. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), particularly 1692g, I am requesting that the collection agency provide me with a valid proof of the purchase agreement and any supporting documentation that demonstrates their right to collect on this debt.

Failure to provide the requested proof constitutes a violation of my rights under the aforementioned laws, and I demand that this matter be rectified immediately to avoid further legal action. 

Thank you for your prompt attention to this matter. 

Sincerely,

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In regards of XXXX XXXX of disputes, particularly with recent CFPB lawsuit highlighted in significant issues with the platform. The financial institutions fail to investigate my claims in adequately. I was told once the funds are sent. There is no way of getting my funds back and theres nothing that could be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct reasonable reinvestigation of disputed information on my credit report. leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systematic 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 or removed disputed items despite the evidence I provided, causing ongoing harm to 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: 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: CT

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 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: CA

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 have 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 2025-01-15 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestagation 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 systematic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected or removed disputes items despite the evenidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputes accounts. As Experians inaction violates federal law and my right 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I disputed a charge which was over XXXX i never attended the event. They recharged me over again for something i didnt attend.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Changed additional overdraft fee when account is already over drawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation