vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, I currently bank with navy federal and i have submitted a dispute on fraud on my account, someone gained access to my phone and XXXX  a payment on XX/XX/year>. They advised that they will review my dispute. They made me change my passwords to prevent further fraud. I received a response stating my dispute was denied. I thought as a consumer i would be protected under circumstances. I dont feel safe banking with them anymore if i can not depend on protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 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: MI

Complaint narrative:
I previously submitted this dispute and was advised items were removed, however I am showing XXXX still remain and the follow XXXX items have appeared without my knowledge. I am extremely disappointed that this was not completely resolved. I feel my only option is to seek legal counsel. Please advise once the following is removed. Thank you Accounts; XXXX  / XXXX / XX/XX/XXXX XXXX XXXX XXXX / XXXX / XX/XX/XXXX Please Remove all phones numbers off of my credit report INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/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 2025-01-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax credit reporting agency unlawfully re-inserted an item back on my credit report thats not suppose to be there. XXXX  XXXX credit card account # XXXX. In compliance with 611 ( a ) 5 ( b ) I did not receive legally required notification within 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
XXXX, Equifax and XXXX have 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, Equifax and XXXX has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, Equifax and XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK
State: WA

Complaint narrative:
I try to explained it to them about my situation with my job and the reason why I couldnt make payments on my credit cards. I lost my Job around when the Covid started and also around that time my ex husband was XXXX and i couldnt find anyone to watch my kids at the time, so i spoke with them if they can give me time to get my situation situated then i can start working extra hours to make payments but they didnt want to, They told me that if I dont make payments they are going to reported and it will not be looking good on my credit report, and plus I will not be able to approve for anything and the possibility will go to jail. I am trying to get a car and a house for me and my kids but I cant do that with all debts i have on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
XXXX has failed to properly investigate or show proof that they verified this account and that it is accurate and complete. XXXX XXXX XXXX XXXX account on my credit report XXXX is reporting in accurately and clearly violates FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: First Credit Corporation
State: TX

Complaint narrative:
XXXX has failed to properly investigate or show proof that they verified this account and that it is accurate and complete. The first credit cooperation account on my credit report XXXX is reporting in accurately and clearly violates FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MO

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB 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 2025-01-28 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:
I am filing a complaint against XXXX, Equifax, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, they all consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Equifax, and XXXX comply with federal law and provide consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, fraud claim filed and resolved. Told balance went to XXXX. Don't need to worry about autopay. 

XX/XX/XXXX autopay still went through. My balance went to negative. 

XX/XX/XXXX I asked to get the negative balance refunded. Told this will take no later than Friday of the week. 

XX/XX/XXXX. Nothing happened. Now told this was submitted erroneously. Now it will take TWO BILLING CYCLES to get a {$48.00} refund. 

A few days later, I received an email from XXXX. Replied to the email. No response Balance has now changed to 0. HOWEVER, NO MONEY WAS REFUNDED. 

XX/XX/XXXX Called again. Told it will take ANOTHER 30 DAYS to get the money back. No guarantee. In the meantime, told realistically to get the money back, need to call back AGAIN to request for a supervisor. 

XXXX  : Money shown on account as if it's refunded, but no money was refunded in reality. No realistic timeline or guarantee I will get my negative balance back. Kept being put through the ringer.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I can not access my account, when I call I can not get in touch with a representative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 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 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 user 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 2025-01-28 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: NC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX I sent in a certified letter with proof and they sent back saying they deleted addresses, but none of the address was on my credit report. 
XXXX. XXXX XXXX XXXX XXXX this was link to the address above so they wouldn't delete it even though I sent proof. 
XXXX. XXXX XXXX XXXX XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors.

This failure to conduct a reasonable investigation has caused harm t o my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, and housing ].

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including certified documents showing I sent it to Experian certified letters, Experian 's responses, and supporting evidence, to this complaint for your review.

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 

Sincerely, XXXX XXXX XXXX Please see all attachments

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-01-28 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and noticed several hard inquires that I did not give consent to. These inquires negatively impact my credit profile and were made without my explicit consent, violating FCRA section 604 which mandates permissible purpose for accessing a consumers credit report. Under the provisions of FCRA particularly sections 604, and 611 to dispute the accuracy of hard inquires appearing on my credit report and that the contested legitimacy of inquires. These are the companies and how many times they have inquired and the credit agency. 
XXXX XXXX : XXXX TRANSUNION XXXX : XXXX XXXX XXXX XXXX  : XXXX TRANSUNION XXXX : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, Bank of America processed a payment of XXXX to pay off my credit card balance. However, the credit card only has a balance of {$540.00}. 

The problem statement is Bank of America overpaid this credit card account by {$1600.00}.

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 monetary relief
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are 2 inquiries on my credit report that I authorized my information to be given to XXXX XXXX. I want proof of the 2 most old in XXXX  removed from XXXX XXXX  and XXXX XXXX is old XX/XX/year> and capital XXXX is old XX/XX/year>. Please remove these inquiries they are old and should have been removed. TRANSUNION IS NOT DOING THIER JOB. PLEASE REMOVE THESE INQUIRIES. ALSO PLEASE REVISR MY XXXX XXXX transunion has me at XXXX range and XXXX and XXXX have me at XXXX. Something is Not Right! Thank you

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COMMERCE BANK
State: KS

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$1000.00} cash in a free standing Commerce Bank ATM. The ATM took my {$1000.00} and gave me back {$100.00} because it couldnt be read, the deposit slot closed and the ATM only deposited {$600.00} of the remaining {$900.00}. 
I immediately called customer service at Commerce Bank explaining what had transpired. They said they would investigate the incident and I should receive a {$300.00} temporary credit into my checking account. 
On XX/XX/year> I received the temporary credit of {$300.00}. 
On XX/XX/year> I received a letter from Commerce Bank stating the investigation of the disputed transaction from ATM DEPOSIT in the amount of {$300.00} was declined due to the transaction represented payment for goods and or services received by me. I called customer service again that day and the representative said he would send a request to have the ATM audited. He instructed me to speak to a teller at my local branch. 
On XX/XX/year> I went to my local Commerce Bank XXXX XXXX and spoke with a teller explaining the entire situation again. He tried contacting the customer service and was hung up on the first time. He called back again and spoke to a representative at the dispute center and stated they would follow up with me. 
On XX/XX/year> I called Commerce Bank at the XXXX XXXX again and spoke with the same teller. He again said he would reach out to the dispute center again and someone would contact me. I was given an email to the dispute center and emailed them directly regarding my complaint and missing {$300.00}. The email was sent on XX/XX/year>. I still have not had any additional follow up or status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 address 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeated offenders to exploit the system, leaving vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation