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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Equifax Information Services for Failing to Update or Correct Inaccurate Information Dear CFPB Representative, I am writing to file a formal complaint against Equifax Information Services for failing to update and correct inaccurate information on my credit report, despite my repeated attempts to resolve the matter and my compliance with the requirements of the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. 
Issue Summary : On XX/XX/year> ], I identified inaccuracies in my credit report as provided by Equifax. The inaccuracies pertain to XXXX credit card, the specific issue, including inaccurate balance, Utilization reported incorrectly, etc. ]. I promptly submitted disputes to Equifax and included supporting documentation to substantiate my claims, such as [ e.g., payment records, card statements Despite this, Equifax has failed to : Conduct a reasonable investigation into my dispute as required under 15 U.S.C. 1681i. 
Update my credit report to reflect the accurate information. 
Details of Violation : Equifax 's continued failure to update my credit report violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to investigate disputed information within 30 days and correct any inaccurate information. Despite this legal timeframe, my credit report remains incorrect, even though I have provided ample supporting documentation. 
Impact on Me : This inaccuracy has negatively affected my creditworthiness, potentially hindering my ability to access credit or obtain favorable interest rates. Moreover, the undue stress and inconvenience of repeatedly disputing the same issue are unacceptable. 
Resolution Requested : I request that Equifax : Immediately correct or modify inaccurate information on my credit report. 
Provide written confirmation that the inaccuracies have been resolved. compliance with the FCRA to prevent similar issues in the future. 
I kindly ask the CFPB to investigate this matter and take appropriate action to hold Equifax accountable for failing to fulfill its legal obligations. Enclosed with this letter are copies of the following supporting documents : My credit report highlighting the inaccuracies Supporting evidence Credit Card Statement and a screenshot of my credit card showing a {$0.00} Balance with a {$200.00} credit balance I appreciate your attention to this matter and look forward to a timely resolution. 
Sincerely,

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: NY

Complaint narrative:
Im Reaching out to formally express my concerns regarding Zelle 's handling and disputes, particularly in the light of the recent CFPB lawsuit highlighting Significant issues witht the platform. Despite using Zelle numerous of times 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 also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.The lack of accountability and transparency is unacceptable and it 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
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. 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: GA

Complaint narrative:
I am submitting a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Although I had sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delayed posting of charges and credits. 

This issue aligns with recent findings by the CFPB against Navy Federal for similar practices, where transactions settled with insufficient balances despite having initially available funds. I believe these practices are unfair, and I am requesting 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: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are the accounts opened on my trans union XXXX and XXXX account which are incorrect. I did not open those accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite providing extensive and irrefutable documentation over the past six years, the following inaccurate information has been improperly reinserted into my credit report without compliance with 15 U.S.C. 1681c ( f ) : Details of the Inaccurate Information Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : [ Insert Account Number or Identifier ] Description of Inaccuracy : REPEAT REQUESTS FOR REMOVAL ( 6 YEARS ) - After removed, The Credit Bureau RE-POSTED the creditor inaccurate reporting, showing the account is CLOSED WITH A BALANCE from OVER 7 YEARS AGO!!!!!!!!!!!!! Showing account derogatory, profit and loss write-off!!!! 
This re-posting occurred after it was previously removed, in blatant disregard for the FCRA, which mandates : Certification of Accuracy Before Reinsertion : A data furnisher must verify the accuracy of any information before it is re-reported. 
Notification to the Consumer : The credit bureau must notify the consumer of any reinserted information within five business days. 
You have failed to comply with these provisions. 

Immediate Action Demanded I demand the following actions be taken within 10 calendar days of receipt of this letter : Permanently Remove the Inaccurate Information : Immediately remove the inaccurate account ( s ) from my credit report and ensure no further reinsertion occurs without strict compliance with the FCRA. 
Provide Written Confirmation : Deliver a written statement confirming the permanent removal of the inaccurate information and your commitment to full compliance moving forward. 
Legal Ramifications of Non-Compliance Failure to address this matter within the specified timeframe will leave me no choice but to escalate this issue through : Formal Complaints : Filing with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization for repeated violations of federal law. 
Legal Action : Pursuing a lawsuit under 15 U.S.C. 1681n for willful non-compliance, which may result in penalties including : Actual damages Statutory damages of up to {$1000.00} per violation Attorneys fees Punitive damages Your organizations disregard for federal law undermines consumer trust and perpetuates unnecessary financial and emotional harm. I am fully prepared to exercise all available legal remedies to ensure this matter is resolved. 

This is your final opportunity to resolve this issue amicably and in compliance with the law. I expect written confirmation of corrective action by XXXX Sincerely, 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 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: NY

Complaint narrative:
Despite providing extensive and irrefutable documentation over the past six years, the following inaccurate information has been improperly reinserted into my credit report without compliance with 15 U.S.C. 1681c ( f ) : Details of the Inaccurate Information Creditor Name : XXXX & XXXX Account Number : [ Insert Account Number or Identifier ] Description of Inaccuracy : REPEAT REQUESTS FOR REMOVAL ( 6 YEARS ) - After removed, The Credit Bureau RE-POSTED the creditor inaccurate reporting, showing the account is CLOSED WITH A BALANCE from OVER 7 YEARS AGO!!!!!!!!!!!!! Showing account derogatory, profit and loss write-off!!!! 
This re-posting occurred after it was previously removed, in blatant disregard for the FCRA, which mandates : Certification of Accuracy Before Reinsertion : A data furnisher must verify the accuracy of any information before it is re-reported. 
Notification to the Consumer : The credit bureau must notify the consumer of any reinserted information within five business days. 
You have failed to comply with these provisions. 

Immediate Action Demanded I demand the following actions be taken within 10 calendar days of receipt of this letter : Permanently Remove the Inaccurate Information : Immediately remove the inaccurate account ( s ) from my credit report and ensure no further reinsertion occurs without strict compliance with the FCRA. 
Provide Written Confirmation : Deliver a written statement confirming the permanent removal of the inaccurate information and your commitment to full compliance moving forward. 
Legal Ramifications of Non-Compliance Failure to address this matter within the specified timeframe will leave me no choice but to escalate this issue through : Formal Complaints : Filing with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization for repeated violations of federal law. 
Legal Action : Pursuing a lawsuit under 15 U.S.C. 1681n for willful non-compliance, which may result in penalties including : Actual damages Statutory damages of up to {$1000.00} per violation Attorneys fees Punitive damages Your organizations disregard for federal law undermines consumer trust and perpetuates unnecessary financial and emotional harm. I am fully prepared to exercise all available legal remedies to ensure this matter is resolved. 

This is your final opportunity to resolve this issue amicably and in compliance with the law. I expect written confirmation of corrective action by XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I requested the original contract that I signed with this agency and they were unable to furnish any documentation as I have never signed a contract with said company. They have yet to validate they debt they are attempting to collect and reporting a monthly account status of CO on my credit report despite a collection account not being able to be charged off as there is no contract this company has violated my consumer rights continuously and after sending disputes to the credit bureaus on multiple occasions nothing has been done a proper investigation has not been conducted. Per the FCRA my rights are being violated by this agency. nor can the amount owed be validated as they refuse to send the original contract

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:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against navy federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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: NJ

Complaint narrative:
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 2025-01-16 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:
Unauthorized transaction happened on my old Zelle and I wasnt helped to get my money back. So I changed my information on Zelle and provided the new one on the next page.

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: LA

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-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: TX

Complaint narrative:
I am writing to formally raise concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights serious issues with the platform. Despite using Zelle frequently and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users at risk of scams.

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:
Writing my concern regarding zelles handling of disputes, in light of recent CFPB lawsuit.

Company response to consumer: Closed with explanation