vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I 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 recent CFPB findings against Navy Federal for similar practices, where transactions settled insufficient balances despite initially available funds. I believe these practices are unfair and request 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies and unauthorized inquiries reflected in my credit report dated XX/XX/scrub> 2024. These errors are adversely affecting my financial standing, and I request your immediate attention to resolve these matters in compliance with the Fair Credit Reporting Act ( 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 2025-01-22 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: MS

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. 
Unauthorized Hard Inquiries : XX/XX/XXXXinquired on XXXX/XXXX/XX/XX/XXXX RESIDENT VERIFY inquired on XX/XX/XXXX Incorrect Names and Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX XXXX Account number XXXX .... 

XXXX XXXX, Account XXXX : XXXX .... 
XX/XX/XXXX, Account Number : 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 2025-01-22 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: DE

Complaint narrative:
This morning, I discovered some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I found unexpected discrepancies. I even refreshed my browser to see if it was just a temporary glitch, but the inaccurate accounts remained. Given this situation, I request a thorough review of the documents I have provided to ensure I won't have to worry about this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Received an alert notification of a hard inquiry. I didnt authorize any inquiry onto my credit report. This needs to be removed immediately. on Experian credit report. XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
From XXXX until XX/XX/XXXX Experian hasn't accurately removed information from my credit. They also haven't made sure my credit score is accurate as well.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : Zions Debt Dear Zions Debt, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with Zions Debt authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that Zions Debt provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

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

Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.

- "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
Ive been a victim of fraud and data breach and eqiiifax and XXXX has refused to investigate properly or remove incorrect items from my credit report and this is a violation to my rights I have sent them ftc, police, id, ss, affidavit data breach proof and these items still remain, Accounts, :XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX are not mine Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
In looking over recent financial statements ; There are quite a few discrepancies regarding the balancing of the books. The total amount owed and the financed amount are discouragingly different as well as the monthly finance charge. Please be advised that this is a formal request for GAAP accounting along with the licensed CPA on this account. As well as a request for the CUSIPs ( Committee on Uniform Securities Identification Procedures ) on the instruments associated with this account. 

AS PER 12 CFR 1026.13 Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). 
Official interpretation of 13 ( d ) ( 1 ) Consumer 's Right To Withhold Disputed Amount ; Collection Action Prohibited ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
Official interpretation of 13 ( d ) ( 2 ) Adverse Credit Reports Prohibited ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under XXXX U.S.C. XXXX ( e ) for failure to comply with any of the requirements of this section. 
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

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 CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
More than once I have complained to Cash App why they paid some companys I didnt know that I did not authorized them, and said I wanted to know and find out if I could get my money back is what I wanted to ask and talk to someone but I never received a reply on any of the times, I asked questions about the matters. My XXXX XXXX is XXXX  XXXX and my name is XXXX XXXX I have also wondered about my bank I have canected to to Cash App that was took out of the bank it is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
Experian has over the last 5 years continually refused to remove items from disputes using their app. Stating information updated, or information verified when in fact other bureaus have been removing the same information as unverifiable. The companies in question through direct contact have also refused or been able to verify said debt to myself and to third party repair services. Experian has engaged in illegal act s by gatekeeping negative items while attempting to push it's own alternatives to fix poor credit

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 2025-01-22 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I noticed this on my credit report GOODLEAP and did not apply it. I call XXXX to report the fraud. I spoke with a representative who told me I needed to submit this form to report the scam, I received a call from what was ID on my caller ID as XXXX the person said they were XXXX XXXX XXXX and began to ask me questions about things on my credit report. I informed them that I did not apply for it and then she began to ask me detailed questions and answered them because I was hesitant with the information. This made me look at my credit report for myself and I saw Goodleap, which I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 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: IL

Complaint narrative:
I submitted information regarding a credit account thats being reported on my credit thats not mines. I am not associated with this account. I dont know anything about this account, I have been asking them to remove this information it has been hindering me and I need it removed immediately. 
Account XXXX XXXX Also, theyre reporting incorrect information and status on a vehicle, the amount that they are reporting are incorrect, the vehicle was sold for a certain amount and theyre still charging me for that amount.I no longer owe on this car and I need it to be removed immediately Account number 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 2025-01-22 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: IL

Complaint narrative:
I submitted information regarding a credit account thats being reported on my credit thats not mines. I am not associated with this account. I dont know anything about this account, I have been asking them to remove this information it has been hindering me and I need it removed immediately. 
Account XXXX XXXX Also, theyre reporting incorrect information and status on a vehicle, the amount that they are reporting are incorrect, the vehicle was sold for a certain amount and theyre still charging me for that amount.I no longer owe on this car and I need it to be removed immediately Account number 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One stole interest from me I paid in full every month and they were still billing me the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sold my home due to foreclosure. During the sale process, there were open liens on the property. Upon conducting research, I discovered that the XXXX  with XXXX XXXX XXXX ( BOA ) had been transferred, consolidated, and paid off ( please see the attached letters ). After numerous conversations with XXXX, they finally provided the XXXX transaction history, which clearly shows the account was paid off. However, subsequent internal transactions that I can not reconcile appear to have brought the balance back up again. 

On XX/XX/XXXX, SPS took over a balance on the account ( please see attached letters ). 

Due to the urgency of the foreclosure, I was in a difficult position and had no choice but to pay off the XXXX to satisfy the liens in order to proceed with the sale of my home. Despite having an open dispute with both XXXX and SPS, I decided to move forward with the sale and address this issue afterward. 

I am confident that this issue originated with XXXX. Since initiating communication with them on XX/XX/XXXX, XXXX has resolved several open liens to assist me with closing the sale. However, I still have an open dispute with XXXX and am requesting a resolution. 

Additionally, I contacted SPS via email at XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite this, I only received a response on XX/XX/XXXX, stating that they are still working on the matter. For reference, I have included my email from XX/XX/XXXX, below. 

Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, Transunion and XXXX have not attempted to remove, nor correct any information. XXXX, Transunion and XXXX also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. XXXX, Transunion and XXXX violates my rights as a consumer, as well as federal laws.

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 2025-01-22 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: GA

Complaint narrative:
I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that CFPD has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. XXXX, XXXX and Equifax have not attempted to remove, nor correct any information. XXXX, XXXX and Equifax also failed to remove improper addresses/spelling of name with the excuse " its linked to a collection account '' Im requesting the derogatory remarks be removed or corrected immediately, as it is affecting my changes to purchase a home and vehicle. XXXX, XXXX and Equifax violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation