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: GA

Complaint narrative:
Subject : Urgent Request for Compliance with the FCRA Regarding Disputed Information I am writing to formally express my concerns regarding Experian 's failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically regarding the reinvestigation of disputed information on my credit report. Despite providing evidence to demonstrate inaccuracies or unverifiable accounts, Experian has neither corrected nor removed the disputed items. This failure has caused ongoing harm to my credit standing. 

I am aware of recent legal action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian, highlighting systemic issues including : Failure to forward consumer-provided evidence to furnishers during reinvestigation. 
XXXX on unreliable responses from furnishers to disputes. 
Inadequate notification to consumers about dispute outcomes. 
These allegations closely align with my experience. Experian 's failure to properly address my dispute violates my rights under federal law and undermines the FCRA 's intent to ensure accurate and fair credit reporting. 

I am requesting immediate corrective action to either amend or remove the disputed accounts on my credit report. If Experian can not verify the accuracy of the information in question, it must be removed as required under 15 U.S.C. 1681i of the FCRA.

I expect a prompt response confirming that corrective actions have been taken. Failure to comply with these obligations may compel me to escalate this matter through additional regulatory or legal channels. 

Thank you for your attention to this urgent matter. I look forward to your timely response.

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: MA

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 is impossible and tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving the users vulnerable to scams.

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: SC

Complaint narrative:
I am writing, to file a complaint aganis Navy federal credit union regarding Multiple Overdraft fees I have occured. Despite having sufficient fundswhen transactions were authorized. I was charged fees due to lagging posting of charges and Credits. I believe these acts were 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

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 — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I'm writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have recurred despite having sufficient funds when transactions were authorized. I was charged fees due to lag posting of charges and credits. This issue aligns with the recent cfpb findings against Navy Federal for similar practices where transactions were settled with insufficient balances despite despite initially available funds I believe these are practices 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 2025-01-15 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ). 

These inquiries were made without my consent, and I have requested that the involved credit bureaus Experian conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review.

I have invoked several FCRA provisions that support my request for deletion, including : 1. Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified.

2. Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

3. Section 609 ( Right to Access and Verification ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case.

4. Section 623 ( Responsibilities of Information Providers ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

5. Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection. 
Additionally, I reference the case XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
To whom it may concern, I pull my credit report though XXXX XXXX and saw that there was a company on my report call Transworld system I that was open in XXXX in the amount of {$1000.00} I've never heard of this company before have not open a account with them either, I like to this dispute account.

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: GA

Complaint narrative:
I am writing to formally address my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit exposing critical issues with the platform. Despite frequent use of Zelle and reporting discrepancies, my financial institution and Zelle did not conduct a thorough investigation of my claims. I was informed that recovering lost funds was not possible and that tracking these transactions could not be done. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users susceptible 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 with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I have Wells Fargo. Since my experience using XXXX Ive ran into some issues in the past of miss error. Also money going missing without my consent of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my Citi Bank credit card in 2023, I never used the card. In XXXX I was notified that a {$95.00} card was added to the account for the yearly fee. I promptly called, spoke with customer service, was told the card was cancelled and the fee was waved. In XXXX I received a late payment notice. I called and was told it takes some time to cancel the card, disregard the notice. In XXXX ( today ) I received a call from collections about the {$95.00} fee. I ended up calling citi bank cancelling the card for good and they refused to wave the fee so I paid it. I will never bank or use Citi bank again.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

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

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

Complaint narrative:
I am requesting an investigation into these accounts, as there appears to be a discrepancy concerning their accuracy on my credit report. These accounts were removed previously but have been re-added without my knowledge. I was not notified about their reinstatement, nor have I received any communication about this through the mail.

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

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. 
+ I want the CFPB to publish

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: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally file a complaint against Wayfair Card Services for violating my consumer rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

More than XXXX years ago, Wayfair Card Services canceled my account with a balance of only {$500.00}. Since then, I have made consistent payments toward the balance. However, the company continues to add exorbitant amounts of interest, making it nearly impossible to pay off the account. Despite my efforts to meet my obligations, Wayfair Card Services has also falsely reported late payments to my credit report. 

These actions are not only predatory but also violate my rights as a consumer. Specifically : Under the Fair Credit Billing Act, creditors are prohibited from applying unfair or excessive charges, particularly when a good faith effort has been made to resolve the balance. 
Under the Fair Credit Reporting Act, creditors are required to report accurate and fair information to credit reporting agencies. The late payment reports are erroneous and detrimental to my credit history. 
I kindly request that the CFPB investigate Wayfair Card Services practices and intervene to ensure compliance with federal laws. Additionally, I respectfully request that this account be removed from my credit report to prevent further financial harm, as their practices have made it unjustly impossible for me to resolve this matter. 

Thank you for your attention to this issue. Please feel free to contact me if further information or documentation is needed.

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: PA

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 consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute 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 2025-01-15 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: TN

Complaint narrative:
XX/XX/XXXX {$20.00} overdraft XX/XX/XXXX {$20.00} XXXX XXXX overdraft fee XX/XX/XXXX {$20.00} overdraft fee XX/XX/XXXX {$20.00} overdraft fee XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdrafts fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fee XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdrafts fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX $ XXXX fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdraft fees XX/XX/XXXX {$20.00} overdrafts fees When I called to ask about it they basically just said it was for overdraft when there was literally no money in the account to bevy with it's still very rough out here in the economy.

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: 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. ( 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