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

Complaint narrative:
I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX  Account # : 34XXXX XXXX XXXX Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under XXXX U.S.C. XXXX, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data. 

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.

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: NY

Complaint narrative:
I disputed XXXX accounts with XXXX and equifax and requested the accounts be removed from my account as per the fair credit act. They fixed the XXXX XXXX XXXX amount on the account only for XXXX XXXX XXXX to update the account again even though they were in violation of the XXXX and NY banking laws. I disputed it again and once again XXXX and equifax didn't remove the account. XXXX XXXX XXXX also continues to violate the XXXX and NY banking laws by falsely reporting on my account. 

XXXX Report Number XXXX Report Number XXXX I do not have the Report numbers for equifax but they were done at the same time. 

XXXX never responded to my dispute

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: PA

Complaint narrative:
Issued disputes on Experian and XXXX XXXX regarding errors on my credit report which were not corrected nor properly investigated

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
MY NAME : XXXX XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
XXXX  CREDIT BUREAUS HAVE HAD DATA BREACHES, AND XXXX  ( cra 's ) ARE CORRUPT WITH HACKERS AND SCAMMERS. 
XXXX  CRA 'S HAVE VIOLALTED THE PRIVACY ACT = IS IDENTITY THEFT AND FRAUD AND FAKE CREDIT REPORTS WITH FAKE ACCOUNTS, FAKE SOFT INQUIRIES BY XXXX  XXXX SCAMMERS. 
DELETE ALL FAKE NAMES, DELETE FAKE PHONE NUMBER XXXX & DELETE ALL INFO & DELETE FAKE XXXXXXXX XXXX XXXX  IS NOT MINE XXXX AND XXXX FOR XXXX  CRA 'S ARE MISUSING MY SOCIAL SECURITY NUMBER IS A VIOALTION OF The Privacy Act. 
POLICE REPORTS ATTACHED. 
BLOCK FCRA 605B ALL MY CREDIT REPORTS FCRA 605B & Delete all soft inquiries ARE NOTPERMISSABLE WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX Fraudulent charges to my Home Depot Credit Card account XXXX disputed charges with HD Rep by phone. rep stated it was obvious these were fraudulent charges appearing to be an inside job. 
XX/XX/XXXX HD credited fraudulent charges to my account Later HD denied charges as fraud charges stating a chip card was used. 
we have two cards and were in our possession and no unauthorized use was made by the two card holders XXXX XXXX I reopened claim and no response My attorney filed a demand letter XX/XX/XXXX with no response. later contacting HD by phone and was told they would look into the claim. still no response XX/XX/XXXX Attorney filed another demand letter with an appeal to open the claim. 
no response to date. 
Total amount of Fraudulent charges {$6600.00} plus accumulated interest {$3200.00} totals {$9800.00}.

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 2025-01-15 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: VA

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 I request an investigation into my account transactions.

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

Complaint narrative:
send a zelle payment and by eror got sent to a wrong person and never got a refund back

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I requested that Experian update my personal information that was incorrect and no further actions was taken

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes. 
particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. They need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Capital One apparently charged me multiple fees on a credit card account which I kept XXXX balance and have never paid late. I only found out because they reported a late payment on the account in XXXX 2024. I never received an email, letter or call from Capital One indicating the account was past due or had a balance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
At XXXX EST on XX/XX/year>, I received notification, I was on my account, and sent an email that my Robinhood account was temporarily restricted because of Unusual Activity, and they want me to provide documents to remove the restriction. I have not responded, nor sent any documents as this is a scam to steal my assets. 

I then received a call from ( XXXX ) XXXX but did not answer and received a voicemail. 
After a quick internet search, I have found this is not a legitimate XXXXobinhood customer service phone number. I have not called the number back as many people are claiming it is a scam phone number.

I came right to the CFPB website to file a complaint on Robinhood and need action taken as soon as possible to get my account unrestricted and move my assets.

I have submitted a call request on Robinhood 's website but am in a que. That phone number is ( XXXX ) XXXX. I also read that they do not call back from the legitimate phone number in a timely manner, some people claiming it's been weeks and still no call back.

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: PNC Bank N.A.
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution PNC and XXXX failed to investigate my claims adequately. They informed me that they would be denying to recover lost funds.

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 express my concerns about Zelles approach to handling disputes, especially in light of the recent lawsuit filed by the CFPB, which uncovered major issues with the platform. Despite using Zelle several times and reporting discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. They told me that recovering the lost funds was not possible and that tracking these transactions was not feasible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users exposed to potential scams. The absence of accountability and transparency is deeply concerning and raises significant questions about the safety of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had an ING account before it became Capital One. After converting to Capital One, I opened other 360 Savings accounts. I am disappointed in learning Capital One intentionally not rolling over customers to their newer 360 XXXX XXXX account. This would have been the appropriate action. Please advise next steps. Thank you, existing Capital One consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

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 fee due to lagged posting of chargings 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 a investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian was notified that I had identify fraud I even provided an FTC report & they are still denying my claim.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DataMax Corporation
State: CO

Complaint narrative:
Attached to this letter is a copy of my FTC Identity Theft Report, which provides details regarding the fraudulent activity. In addition, I am invoking my rights under the following legal provisions : 1. 15 USC 6802 The Gramm-Leach-Bliley Act, which mandates that consumer reporting agencies take appropriate action to prevent identity theft and ensure that consumer information is protected.

2. 15 USC 1681b Under the FCRA, a credit reporting agency may not report information if it is determined to be a result of identity theft. I request that you remove all fraudulent information from my credit report.

3. 18 USC 1028A This statute criminalizes identity theft and provides a legal framework to help consumers protect themselves from fraudulent activity. I am actively pursuing this matter in line with this law and expect your full cooperation in removing the fraudulent information. 

I request that you take immediate action to block any fraudulent accounts from my credit report. As required by the FCRA, please complete your investigation within 30 days and notify me in writing of the results, along with any actions taken to resolve this matter. 

Please also provide me with written confirmation that the fraudulent accounts have been removed from my credit report. If you need any further documentation to assist in your investigation, please inform me promptly. 

Thank you for your cooperation in ensuring that my rights under the law are upheld. I look forward to your prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: 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 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to inform your company that I want to dispute the following items below on my credit profile. Your company was sued by the CFPB, for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
I have been disputing a balance from XXXX XXXX for the last two years. Each time I receive notice from Experian stating that the information has been verified as accurate without any evidence. As well as the apartment complex stating they can not find my account or even recognize myself as a tenant. The creditor XXXX XXXX also has not been able to provide proper documentation, such as a ledger with all fees associated with the XXXX balance. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

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 ( 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 2025-01-16 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: CA

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 2025-01-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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: PA

Complaint narrative:
I would like to initiate an investigation into these accounts, as there appears to be an issue with their accuracy on my credit report. They were removed in the past but have been re-added without my awareness. I did not receive any notification or correspondence about their return.

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