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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously disputed this alleged bankruptcy on my consumer reports and have received responses that the alleged bankruptcy was verified/certified as accurate and complete. 

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed along with documentation showing who verified and I have not received proper responses. I only received the generic response of verified I have proof that XXXX deleted the public record from my consumer report along with proof from the US bankruptcy court, stating that they do not verify information for credit bureaus. 

These credit bureaus are using other sources in an attempt to verify without following proper FCRA guidelines, and I request immediate deletion from all of my consumer reports. 

Please see attached documentation from XXXX and the US bankruptcy court. 

I am also aware that CFPB has engaged in in a lawsuit against XXXX for not properly investigating and I assume I am part of the consumers which XXXX is not properly investing. 

As for TransUnion I will assume the same since I have legal documentation showing the bankruptcy has been removed and is not verifiable. 

15 U.S. Code 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}

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: 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 issues align with the recent CFPB findings against Navy federal for similar practices where transactions settled with insufficient balance, 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customers 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is being filed because the XXXX CREDIT CARD ISSUER XXXX and another entity on XXXX XXXX behalf did not address the issue raised or justify the legality of their actions under applicable federal law. 
As my previous complaint stated, I believe the reporting of my non public information violates 15 U.S.C. section 6809 ( 4 ) under the Gramm-Leacch-Bliley Act, which governs the sharing of NPI by financial Institutions . Specifically 1. Improper Disclosure of Nonpublic Personal Information : Nonpublic personal information includes account balances, payment history, and transaction details. while the GLBA permits limited sharing of such information under specific exceptions, their privacy notice and subsequent actions fail to demonstrate that the sharing complies with these exceptions. Additionally Failure to Provide an Opt- Out Option : Under the GLBA, financial institutions are required to provide consumers with a clear and conspicuous notice of their right to opt out of certain information- sharing practices. Their privacy policy does not provide any mechanism or instructions for opting out, as required by law. That omission is a significant concern, as it deprives me of my right to control how my personal information is shared with third parties. FCRA and Accurate Reporting : Their response cited the contract holder agreement and privacy policy as justification for sharing my XXXX. However, no contract can supersede federal law. Furthermore, I believe their reporting practices fail to meet the accuracy standards required under the Fair Credit Reporting Act. I request clarification on the steps taken to ensure compliance with these standards. Inadequate Privacy Policy Transparency : Their Privacy Policy, while outlining potential sharing of XXXX, does not adequately disclose how the institution ensures compliance with federal privacy laws, particularly in relation to reporting to credit bureaus.

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: CA

Complaint narrative:
This complaint is being filed because the XXXX CREDIT CARD ISSUER XXXX and another entity on XXXX XXXX behalf did not address the issue raised or justify the legality of their actions under applicable federal law. 
As my previous complaint stated, I believe the reporting of my non public information violates 15 U.S.C. section 6809 ( 4 ) under the Gramm-Leacch-Bliley Act, which governs the sharing of NPI by financial Institutions . Specifically 1. Improper Disclosure of Nonpublic Personal Information : Nonpublic personal information includes account balances, payment history, and transaction details. while the GLBA permits limited sharing of such information under specific exceptions, their privacy notice and subsequent actions fail to demonstrate that the sharing complies with these exceptions. Additionally Failure to Provide an Opt- Out Option : Under the GLBA, financial institutions are required to provide consumers with a clear and conspicuous notice of their right to opt out of certain information- sharing practices. Their privacy policy does not provide any mechanism or instructions for opting out, as required by law. That omission is a significant concern, as it deprives me of my right to control how my personal information is shared with third parties. FCRA and Accurate Reporting : Their response cited the contract holder agreement and privacy policy as justification for sharing my XXXX. However, no contract can supersede federal law. Furthermore, I believe their reporting practices fail to meet the accuracy standards required under the Fair Credit Reporting Act. I request clarification on the steps taken to ensure compliance with these standards. Inadequate Privacy Policy Transparency : Their Privacy Policy, while outlining potential sharing of XXXX, does not adequately disclose how the institution ensures compliance with federal privacy laws, particularly in relation to reporting to credit bureaus.

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: 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 failed to investigate my claims adequately. They informed me that recovering lost funds are impossible and that tracking the 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX Balance {$15000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$360.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$310.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$4000.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused XXXX XXXX XXXX Balance {$280.00} Updated on XX/XX/XXXX I asked them to remove this off my report because it was not mine and they refused

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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am XXXX XXXX military and an Ohio state resident. I am entitled to relief under Ohio State XXXX benefits for my accounts. I have been denied by XXXX and Bank of America. I submitted my XXXX, state ID, XXXX  contract. They still denied me. Request your assistance in correcting this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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'm writing to formally express my concerns with Zelles handling of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 2025-01-16 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-01-16 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
REGIONALAC ( Bank ) XX/XX/2024 This is a hard inquiry from a company that i did not authorize access to my personal information

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:
I am writing to formally express my concerns regarding Zelles handling of disputes in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking them 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.

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:
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 were unfeasible. the CFPB 'S findings indicate that zelle not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving user 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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
XX/XX/year>, I received a letter from LightStream. They were writing about a loan request and said they needed more information to process the loan. 

Reference number XXXX I want to confirm that I did not submit this application. It is a fraudulent request made by someone who has stolen my personal information. 

On XX/XX/year>, I emailed LightStream to report this matter. I received an email reply that said my application has been escalated to the Fraud and Dispute teams for further review. That was the last I heard from the company.

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