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

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 issue such as failing to forward consumers- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. these failures align with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 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: 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:
Im 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 lagging post of charges in credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds I believe that this 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 2025-01-16 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 Zelles handling of dispute, particularly in light of the recent XXXX  CFPB lawsuit highlighting significant issues with the platform. Despite Using Zelle numerous times and reporting this discrepancies, my financial institution and they failed to investigate my claims adequately.

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: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX Dear Sir/Madam, Wrongful Closure of Account and Violation of Consumer Rights I am writing to formally dispute the closure of my credit card account ( Account Number : [ XXXX ], which I believe was done in error. I have not received any prior notification or explanation for this action, and I am concerned that it may be a violation of my consumer rights.

As a loyal customer, I have never missed a payment nor shown any difficulty in managing my credit limit. I am deeply disappointed by the sudden and unexplained closure of my account. Under the **Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ), creditors are required to provide clear notice and reasonable grounds for closing a consumer 's credit card account. Specifically, the law mandates that card issuers give a 45-day notice before closing an account unless there is clear evidence of fraud or severe delinquency.

Furthermore, under the **Fair Credit Reporting Act ( FCRA ) **, any adverse action taken on my account, such as its closure, must be reported accurately and promptly to the credit bureaus. If this action was taken erroneously or without valid justification, it could negatively impact my credit score and may be deemed an unlawful practice under federal law.

I respectfully request that you immediately review the circumstances surrounding my account 's closure and provide a detailed explanation of the reasons behind this decision. If the closure was made in error, I expect my account to be reinstated without delay, and I request that any negative impact on my credit report be rectified accordingly.

If this matter is not resolved to my satisfaction, I will have no choice but to file a formal complaint with the Proper Consumer Protection Bureau and other relevant regulatory authorities.

Please treat this matter with urgency, as I expect a written response within 15 business days. 

Thank you for your immediate attention to this issue. I look forward to your prompt reply. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Are you writing formally express my concern regarding Zelles handling of disputes, particularly in light of the recent ( CFPB ) lawsuit highlighting significant issues with the platform. Despite using Zelle many 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 finding indicates that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving user vulnerable to scams.this lack of accountability and transparency is unacceptable and raise serious concerns about. Consumer safety.

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

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputes 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 dispute 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: 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:
I am writing to provide an update regarding the dispute I previously filed with the Consumer Financial Protection Bureau. My dispute was related to inaccuracies on my credit reports from Experian, XXXX, and XXXX. The reference numbers for my complaints are : XXXX XXXX XXXX I filed these disputes concerning inaccurate information that I identified on my credit reports with Experian, XXXX, and XXXX. Since filing my original complaint, I have made efforts to follow up on the status of my disputes and have received responses from the three credit bureaus. I am attaching examples of the correspondence, as well as my current credit report findings, for your review. 

In these documents, you will find a detailed outline of the issues I reported, the credit bureaus ' responses, and any updates I have received regarding the resolution process. I have included the relevant pages of the credit reports from Experian, XXXX, and XXXX, as well as any dispute resolutions or lack of resolution.

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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Texas state law. 
Texas law specifies that debts ( other than bankruptcies ) may only remain on credit reports for 7 years, not 10 years as indicated in your previous communication. This account should have been removed in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
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 Texas state law. 
Texas law specifies that debts ( other than bankruptcies ) may only remain on credit reports for 7 years, not 10 years as indicated in your previous communication. This account should have been removed in compliance with the law.

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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
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 Texas state law. 
Texas law specifies that debts ( other than bankruptcies ) may only remain on credit reports for 7 years, not 10 years as indicated in your previous communication. This account should have been removed in compliance with the law.

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: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to address the unexpected and unjustified closure of my Chase Sapphire credit card account. As a loyal Chase customer with an impeccable payment history, this action is deeply concerning and unacceptable. Violations of Consumer Rights This closure violates my consumer rights under federal law : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. The abrupt closure of my account without prior notice infringes upon this right. Fair Credit Billing Act Under 15 U.S.C. 1666B, a creditor may not treat payments as late if they were made on time. I have never missed a payment or caused a late payment on this account.

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 belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not liable for this debt of {$170.00} with XXXX XXXX Account # XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$860.00} with XXXX XXXX XXXX  Account # XXXX This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$88.00} with XXXX Account XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not liable for this debt of {$170.00} with XXXX XXXX Account # XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$860.00} with XXXX XXXX XXXX  Account # XXXX This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not. 
I am not liable for this debt of {$88.00} with XXXX Account XXXX. This is identity theft and I requested the purchase agreement or contract with my signature however one was not provided. I also asked for this fraudulent information to be blocked and removed from my credit report and it was not.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: OH

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2025-01-16 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:
I am writing to file a complaint against navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when the 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 were 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 2025-01-16 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 against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized. I was charged fees due to lagging 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 acct 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 2025-01-16 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: GA

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 unfeasible. The CFPBs 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: 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: NJ

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