vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I am writing to formally express my concerns regarding a breach of my privacy as a Zelle user through XXXX XXXX. As a customer, I entrusted your platform to safeguard my personal and financial information, but it appears that my privacy was not adequately protected. 
This incident not only undermines my confidence in Zelle but also raises serious concerns about the adequacy of your privacy and security protocols. 
The breach of my privacy has caused me emotional distress, because I feel like I cant trust any company. I am particularly disappointed as Zelle and XXXX advertise security and privacy as key features of their services. 

As a resolution, I request the following : XXXX. A detailed explanation of how this breach occurred. 
2. Steps Zelle and XXXX will take to ensure my privacy is protected moving forward. 
XXXX. Any compensation or remediation you offer in light of this incident. 
4. Immediate action to address any security vulnerabilities in my account. 

Please treat this matter as urgent and provide a response within a reasonable timeframe. I trust that you will take the necessary steps to resolve this issue and restore my trust in your services. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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: U.S. BANCORP
State: WI

Complaint narrative:
i currently bank with U.S bank i have been contacting them for the past three days letting them know hey i know my account is negative but yall keep racking on these overdraft fees of XXXX total of XXXX in overdraft fees from 2 days. i know a lot right well yeah so i asked if they could waive them and they said yes no problem as soon as you get youre account current give us a call we will waive them i was told that by two people before tonight XX/XX/year>. i called tonight because i was able to get my account current the lady i spoke with was very nice and placed me on hold for awhile but eventually came back and let me know hey we were able to waive them should take about XXXX min i let her know okay perfect i waited and nothing.. so i called and someone answered i explained she said hey were only able to waive one as a courtesy i let her know thats not right at all i was promised by multiple people these fees would be waived and now its not happening so i asked for a manager a very rude manager came on the line and let me know hes not going to be waiving any more and had a snotty attitude the entire time and didnt care about my situation just kept letting me know the issue has been resolved and they will not be waiving any more fees going forward i let him know i will be filing this complaint and a complaint against the XXXX  and he said i can do as i wish and hung up on me he also denied pulling the calls where i was told they would be waived and he also denied me speaking to anyone higher than him and hung up on me.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX {$1800.00} opened XXXX # XXXX,, XXXX XXXX XXXX {$460.00} # XXXX opened XXXX,, XXXX XXXX XXXX XXXX {$480.00} # XXXX XXXX, XXXX XXXX XXXX {$1900.00} # XXXX opened XXXX, XXXX XXXX {$490.00} # XXXX opened XXXX demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Equifax XXXX Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the, result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

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: CA

Complaint narrative:
I am writing to formally, expressed my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reported discrepancies my financial institution, and Zelle failed to investigate my claims Adequately. They informed me that recovering loss funds was impossible, and that the tracking these transaction was unfeasible. The CSPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing to file a complaint against Navyfederal 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 XXXX XXXX for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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 ( CFRB ) 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 nor removed disputed items dispute 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 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: MD

Complaint narrative:
I am in a XXXX  XXXX. My attorney has requested that the Selene communicate directy with me to include sending me monthly mortgage statements. I emailed Selene XX/XX/year> requesting that they comply. Selene has refused to comply and since XXXX XXXX, Selene has continue to send all my correspondence to my attorney. As a result, Selene has subsequently increased my attorney fees inasmuch as my attorney is charging me o scan and submit documents to me on a monthly basis. Moreover, I do not always receive all my statments in a timely manner or at all which causes me not be aware of how my payments are being applied.

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: VA

Complaint narrative:
Charged overdraft fees for insufficient funds in the account on multiple occasions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made a purchase in the middle of XXXX for XXXX mattresses from XXXX XXXX : XXXX for me and XXXX for my girlfriend. We live at separate addresses. Prior to the delivery, my girlfriend asked our sales associate to cancel the order. We have text proof of this. Thus, in the end, I only received XXXX mattress ( mine ). This was expected. However, a few months later, I realized the money for my girlfriend 's mattress was never refunded. I contacted the mattress company, to no avail. I then filed a dispute with Chase bank. After a few months of deliberation and back and forth calls, they somehow were unable to find proof that I never got the mattress and closed the dispute. I can look on my online portal for XXXX XXXX right now and see I haven't gotten the mattress yet, but they claim they can't confirm it. Thus, I am out XXXX dollars. This is an extremely disappointing experience working with both XXXX XXXX and Chase bank

Company response to consumer: Closed with 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: 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
XXXX years ago i made several transactions through Zelle using the XXXX app and i did not get a verification of who i was sending money to and i could not get my money back. This happened to me on at least XXXX occasions where i was sending between $ XXXX. I tried contacting the company to get my money back in some way and they said that once the transfer was completed there was nothing they could do about it and thats where they left the problem.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the 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 were 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 us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account Ending in XXXX : This account reflects no reporting data since XX/XX/XXXX and none before XX/XX/XXXX, yet the account is listed as opened since XX/XX/XXXX. 
Additionally, you state the last payment was made on XX/XX/XXXX, but these payments are not reflected on my credit report. This lack of accuracy is unacceptable and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Account Ending in XXXX : This account contains multiple blank columns in my credit report, and none of my payments are reflected. 
You have listed the account as opened in XX/XX/XXXX, with the last payment on XX/XX/XXXX, yet there is no payment history to support this. Again, this is inaccurate reporting and violates my rights under the FCRA. 
Account Ending in XXXX : This account has no reporting information at all. 
It is listed as opened in XX/XX/XXXX, with the last payment in XX/XX/XXXX. However, this account remains on my credit report despite exceeding the maximum reporting period under XXXX state law. 
Texas law specifies that debts ( other than bankruptcies ) may only remain on credit reports for XXXX years, not XXXX years as indicated in your previous communication. This account should have been removed in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS is the company that is reporting inaccurate debt owed of {$120.00} to all XXXX credit bureaus. XXXX, experience and XXXX. XXXX has yet to provide proof of this debt being valid and are violating regulation 15 USC 1692g sec 809 b of the FDCPA. I requested this inaccurate information be deleted from all XXXX of my credit reports since there is no legal evidence or obligation that I owe alleged debt.

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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Buearu ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided informations to furnishers, accepting unreliable responses, and failing to 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 Experians 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section 605b it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( S ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND PORTFOLIO RECOVERY ASSOCIATES. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. THERE IS NO WAY ANYTHING CAN COME BACK AS VERIFIED FROM YOUR INVESTIGATION BECAUSE YOU CAN NOT PROVIDE THE ORIGINAL CONTRACT WITH MY WET SIGNATURE AND ID.

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