vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024 I attempted to send a zelle for {$400.00} through my bank. I completed the transaction however the recipient never received this money. I contacted my bank and they informed me that the transaction was done. The recipient also contacted her bank and was told that there was no XXXX  was ever received. I sent the XXXX to my friend 's name and phone number. Unfortunately she never received it. My bank did nothing to help me recover this money. My bank is JP Morgan Chase. Please help me to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a problem with Bank of America. They are liars. They are thieves and they are crooks. They will deny a legitimate fraudulent transaction. I filed a dispute for the amount {$970.00} that was fraudulent debited from my account after I came back from my trip in XXXX. I called immediately and the initial rep stated they know and can see that I did not physically use my card. So if I did not physically, use my card and you can check the records how was my card use when I was asleep in my bed that does not make any sense and you guys Bank of America denied my dispute and tell me theyre going to purposely overdraw my account for the credit that they provided me for {$970.00}. That is outrageous. Ive been with Bank of America for almost 20 years. I want this matter solved. This is unreasonable, unfair, and unstable.

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: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: HI

Complaint narrative:
For the past couple of months, my husband and I have been receiving emails from Sequium at least twice a week, claiming we owe a debt to XXXX. This debt is incorrect, as we cancelled our XXXX account before we moved. Despite this, Sequium has continued to email us persistently, causing unnecessary stress. 

To resolve the matter, I attempted to pay the alleged debt over the phone. During the process, after providing my credit card information, the call dropped just before the payment was completed. This incident has left me worried about the security of my personal information and whether it may have been misused. 

When the emails persisted, I tried to pay the debt online. After entering my credit card details and completing the process, an error message appeared stating the payment ticket had expired. I am now unsure if my credit card information was captured or handled securely during these transactions. 

Additionally, Sequium makes it extremely difficult to contact customer support. There are no clear or effective means to reach a representative to resolve these issues, leaving us without a path to clarity or resolution. 

I believe Sequiums practices are unreasonable, and their communication methods are creating undue stress for my family. Their handling of my personal information during these failed payment attempts also raises serious concerns about data security.

I am requesting the CFPB investigate Sequium Debt Collector regarding the following : The accuracy and validity of the alleged debt they are attempting to collect. 
Their excessive and potentially harassing communication practices. 
The security of their payment processing systems and whether my credit card information is at risk. 
Their failure to provide accessible customer support for resolving disputes or concerns. 
Thank you for your attention to this matter. I hope your office can assist in addressing these issues to prevent further stress and ensure that Sequium operates within the bounds of fair and ethical collection practices.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I notice from my credit report, Equilfax report is reporting uncorrect info.

I sent the letter to EQuilfax and XXXX from XXXX to XX/XX/XXXX, it's more then 120 days credit bureaus haven't responded, that is a voilation of 15USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) subject to subsection ( f ) and expect as provided in subcection ( g0, if the completeness or accuracy of any item of info contained in consumer ; s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly trought a reseller, of the such dispute, This charged off closed account was reopen as on equilfax illegally XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I bank with Navy Federal, and there have been times where I was charged an overdraft fee after ensuring there is enough money in my account for a certain transaction only to go back and find that a charge did not go through because there is an overdraft in my account. I would call the bank and inquire about the overdraft fee because I had money prior to that fee and I was being told that the previous transaction did not clear before the current transaction was made.

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: EQUIFAX, INC.
State: RI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 service problem — 
Company: Early Warning Services, LLC
State: CA

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 impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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.

Along with this there is also no co formation receipt sent to you personally once you send a Zelle and a person receives it like they do a text. This can sometimes lead to people saying that nothing went through or you Zelles wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: GA

Complaint narrative:
I asked this company for a signed contract with my signature. It was never provided for me. The only thing was provided to me was a billing statement of charges that was made under this account. I responded to them and told them I have never opened up an account I do not have a credit card with their company. This is aI asked this company for a signed contract with my signature. It was never provided for me. The only thing was provided to me was a billing statement of charges that was made under this account. I responded to them and told them I have never opened up a account I do not have a credit card with their company. This is a third-party company that constantly harassed and reach out to me. Two accounts thats under this account that need to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent XXXX 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglect to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I made payments to XXXX. Navy Fed said I dnever had the funds available and said I owed the fees when in fact I did have the money which is the only way an upload can be made on a XXXX XXXX If I didnt have the funds the transactions wouldnt have gone through. However Navy Fed said I didnt have the funds when I made the uploads and said I owed them.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
I am writing to file a formal complaint against Burke Moore Law Group , LLP, which is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I believe that their actions violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable consumer protection laws. Specifically, I assert that Burke Moore Law Group , LLP has engaged in practices that violate my rights as a consumer under the following sections of the FDCPA : 15 U.S.C. 1692a ( 6 ) Definition of Debt Collector Burke Moore Law Group , LLP has failed to properly identify themselves as a debt collector in their communications, as required by law.

15 U.S.C. 1692b ( 5 ) Communication with Third Parties Burke Moore Law Group , LLP has contacted third parties in an attempt to collect this debt, in violation of the provisions regarding third-party disclosure.

15 U.S.C. 1692c ( a ) Communication with Consumer Despite my explicit written request to cease all communication, Burke Moore Law Group , LLP has continued to contact me regarding this alleged debt, which violates my right to cease communication under the FDCPA.

15 U.S.C. 1692d ( 2 ) Harassment or Abuse Burke Moore Law Group , LLP has engaged in harassing behaviors, including repeated phone calls and threats of legal action without proper verification, which constitutes harassment and abuse under the FDCPA.

15 U.S.C. 1692c ( 3 ) Contact After Request for Cease Communication After I requested that Burke Moore Law Group , LLP cease all communication, they continued to contact me, violating this provision of the FDCPA.

15 U.S.C. 1692g Validation of Debt Burke Moore Law Group , LLP has failed to provide proper written validation of the debt within the required timeframe, despite my request for verification.

I have attached an Affidavit of Truth that details these violations and provides supporting facts related to this case. In addition to the violations outlined in the affidavit, I have requested that Burke Moore Law Group , LLP cease all collection efforts until they provide verification of the debt and cease reporting the alleged debt to credit bureaus.

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure that my consumer rights are upheld. I would also like to be notified of any actions or decisions taken in response to this complaint.

Thank you for your attention to this important issue. I look forward to your prompt response and assistance.

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: FL

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 of 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 CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

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 infeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MI

Complaint narrative:
XXXX has felled 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 resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX has felled 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 resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy and validity of certain negative items currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the information reported is accurate and verifiable. After reviewing my credit report, I found multiple discrepancies that I believe require immediate investigation and removal. 

It has come to my attention that : TransUnion is reporting XXXX negative items, XXXX is reporting XXXX negative items, and XXXX is reporting XXXX negative items.

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