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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-01-15 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: CA

Complaint narrative:
Since XXXX, I have experienced significant issues with Navy Federal Credit Union regarding unauthorized transactions, overdraft fees, and credit reporting inaccuracies. Despite having no funds in my account and locking my debit card to prevent any charges, Navy Federal allowed transactions to go through, resulting in overdrafts and fees of {$20.00} per incident. On XX/XX/XXXX, a transaction was processed despite my card being locked, leading to another overdraft fee. I repeatedly requested Navy Federal to stop all charges, but I was informed that stopping a charge would incur a separate fee for each transaction and that if any charges went through, I would continue to receive overdraft fees. This practice is both unfair and deceptive, potentially violating the Fair Credit Reporting Act ( FCRA ) and the Electronic Fund Transfer Act ( EFTA ), which requires financial institutions to obtain proper authorization before processing transactions. Additionally, Navy Federal may have violated the Truth in Lending Act ( TILA ) by failing to provide accurate disclosures regarding fees and terms. 

These overdraft incidents were inaccurately reported to the credit bureaus, showing that I was over my credit limit on my credit card. This incorrect information directly led to the loss of a job in XX/XX/XXXX, as my employer relied on my credit report in their hiring decision. Despite my repeated efforts to resolve these issues with Navy Federal, no meaningful action has been taken. This ongoing situation has caused me financial harm and significant emotional distress, for which I have had to seek therapy. Navy Federal 's failure to stop unauthorized transactions, properly handle disputes, and prevent ongoing harm also appears to violate California Consumer Protection Laws, which prohibit unfair and deceptive practices.

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: AZ

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. 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 2025-01-15 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-01-15 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 concerns regarding Zelles handling of disputes, particularly in light of the recents CFPB lawsuit highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, the CFPBs finding indicate that Zelle has not only neglected to protect costumers 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 customers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have an account with Ally.com ( actually three of them ) which i setup years ago. I was inactive for the last three years and therefore Ally initiated the XXXX process with the state of California. I received a letter in the mail from the state of California stating that I have until XX/XX/year> to contact Ally and recover my property. I do not receive paper statements from Ally for at least the last three years and nobody knows I have this account. 

After receiving the aforementioned noticed form the California State Controller I attempted to log into my Ally account but my credentials did not work. So I called Ally bank and they helped me reset my password. After logging in I noticed that the balance in my accounts had been reduced to near zero and the phone number associated with my account was not my own. After investigating with the agent we discovered that on XXXX someone changed the password and phone number on my account. Over the next several days someone initiated several XXXX transactions draining all the money from my account, almost {$2000.00} in total. After further investigation we discovered someone initiated an ACH transfer using my Ally account in an attempt to transfer {$5000.00} out of my primary bank account and into the compromised Ally account. 

After inquiring about how this happened the agent on the phone told me that someone called Ally and convinced them ( somehow ) to change the phone number and password on my account. So that Ally gave some fraudster control over my account. They have agreed to investigate these issues but not immediately refund the money. 

Through process of elimination it is clear to me someone convinced Ally to hand over control of my accounts through a combination of factors including XXXX ) Ally has insufficient controls and security procedures in place such that someone was able to convince the bank 's agents to provide access to my accounts even though they are not me ; XXXX ) Ally hired a firm ( XXXX XXXX XXXX to handle the XXXX  process on my account and either one of the employees at XXXX XXXX is a crook or that company 's computer systems have been hacked ; XXXX ) someone who works at Ally bank is a crook or Ally 's computer systems have been hacked ; or XXXX ) Someone at the State of California is a crook or the State 's computer systems have been hacked. I find both XXXX and XXXX to be very likely especially in light of the fact that XXXX XXXX  website ( XXXX ) does not load for me. Clearly they are a cut-rate service provider. I cant think of a single other way this could have happened since nobody outside of me knows about this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 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: MD

Complaint narrative:
I am writing to formally express my concerns regarding the way claims may have been handled by Zelle in light of the current lawsuit by CFPB. I do not believe claims /disputes handled by Zelle were handled properly. The CFPB findings indicate the Zelle has neglected to protect consumers and I feel that I am included in that.

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 express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims properly. They informed me that recovering lost funds is impossible and that tracking these transactions are unfeasible. The CFBBs 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX Oregon, XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Credit Report Agencies, I am writing to formally request the blocking and deletion of fraudulent accounts and information associated with my credit file pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of identity theft resulting from the XXXX data breach, and I have identified unauthorized accounts that do not belong to me. Below are the fraudulent accounts and information I am disputing the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In support of my request, I have included the following documentation : A copy of my identity theft report ( FTC Identity Theft Report ). A copy of my government-issued ID ( passport ). Proof of address ( utility bill ). 
As required under 15 USC 1681c-2 ( a ), you are obligated to block the information within four business days of receiving this request and supporting documentation. Please confirm in writing once the fraudulent accounts have been removed from my credit file. If you require any additional information to process this request, please contact me at XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. 
Attachments : Copy of identity theft report ( FTC report ) Copy of Credit Report Copy of government-issued ID Proof of address

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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX Oregon, XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Credit Report Agencies, I am writing to formally request the blocking and deletion of fraudulent accounts and information associated with my credit file pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. I am a victim of identity theft resulting from the XXXX data breach, and I have identified unauthorized accounts that do not belong to me. Below are the fraudulent accounts and information I am disputing the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
In support of my request, I have included the following documentation : A copy of my identity theft report ( FTC Identity Theft Report ). A copy of my government-issued ID ( passport ). Proof of address ( utility bill ). 
As required under 15 USC 1681c-2 ( a ), you are obligated to block the information within four business days of receiving this request and supporting documentation. Please confirm in writing once the fraudulent accounts have been removed from my credit file. If you require any additional information to process this request, please contact me at XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX. 
Attachments : Copy of identity theft report ( FTC report ) Copy of Credit Report Copy of government-issued ID Proof of address

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: NY

Complaint narrative:
I am writing to express my concern about how Zelle has handled disputes. Regarding the CFPB lawsuit issues with the platform. Even thought I have used Zelle for years and have informed about discrepancies over the years Zelle didnt really investigate my claims. Zelle never helped tracked lost funds regarding the CFPB states Zelle neglected their customers concerns and didnt protect their funds. Leaving us users to be scammed Is totally unacceptable.

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:
The bank would wait and take all the amounts at different times to overdraft my account. I would have the right amount of money, and they would purposely overdraft my account

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: National Credit Systems,Inc.
State: DE

Complaint narrative:
National Credit Systems I have never authorized them to report on credit report nor have I did business with them

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:
Over the last few years I have had numerous unauthorized transactions with the different bank accounts linked to my Zelle, specifically XXXX  XXXX XXXX and XXXX XXXX, Zelle has always told me it was impossible to trace or retrieve the funds since and never adequately investigated my claims but instead were very negligent in their investigations. CFPBs findings are very concerning considering I have been in that position and been neglected by Zelle and was not assisted in the retrieval of the funds.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX XXXX 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 XXXX XXXX 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 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: GA

Complaint narrative:
I had navy federal checking and savings, and were charged multiple overdrafts fees on both accounts

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I had some transactions with Zelle where it was fraudulent and the bank I was banking with stated that they couldnt do anything about it because the transaction was with Zelle.

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:
Im reaching out to share my concerns about how Zelle deals with disputes, especially after the recent CFPB lawsuit pointing out big issues with the platform. Ive used Zelle a lot and reported some discrepancies, but my bank and Zelle didnt properly look into my claims. They said getting my money back wasnt possible and that tracking the transactions couldnt be done. The CFPBs findings show that Zelle hasnt done enough to protect users and has let repeat offenders exploit the system, leaving people like me open to 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Disputed inaccurate information on my credit report

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: DE

Complaint narrative:
Disputed inaccurate information on my credit report

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding an inaccurate late payment reported on my XXXX XXXX credit account. The late payment, which appears on my credit report, is incorrect and does not reflect my actual payment history. 

I have consistently made my payments on time and have documentation, including bank statements and payment confirmation emails, to support this. I believe that XXXX XXXX has reported a late payment in error, and this has negatively impacted my credit score and financial standing. 

I respectfully request that XXXX XXXX investigate this matter, correct the inaccurate late payment on my account, and update my credit report to reflect the true status of my payments. 

Experian credit report showing XXXX  XXXX inaccurate late payment : Account # on experian : XXXX Shows late on XX/XX/2023 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: KY

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