vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: DC

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears to be consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was a few weeks late XXXX payment however I brought it current by XX/XX/XXXX and paid XXXX payment XX/XX/XXXX. When I called in XX/XX/XXXX to make XXXX 's payment I was told that XXXX 's payment was still due. I notified them that I had made the payment already and provided the confirmation # of which they were able to confirm and told me that payment was placed in a pending account. I asked why and was told that it was for payment plan. I told them I was not interested in a payment plan as I was making XXXX payment currently so would not need a payment plan. I was told they would request payment be applied to mortgage and person would contact me on the following XXXX  to confirm payment applied by XXXX. I called back to pnc myself on XXXX  at XXXX as I never received a phone call and was told that payment had not been applied as yet. XXXX indicated request had been made. I called XX/XX/XXXX to make XXXX mortgage payment and was advised by rep that XXXX payment still due. I told them that XXXX payment was paid on XX/XX/XXXX and provided reference #. XXXX payment is still processing. I asked why I was told XX/XX/XXXX that it was processed when XX/XX/XXXX it is still processing? XXXX indicates it was again placed in a special account for loss mitigation payment plan. I have again told rep that I do not wish to be in loss mitigation program. I again advised that I have never requested to be in this program. I received a letter in the mail indicating they are unable to approve my application for financial hardship however I never completed any of the criteria such as submitting a XXXX, pay stubs, documents with household finances, etc requested to pnc so I am unsure how I could be rejected for a application I never submitted. I have been under undue stress feeling like my home is going to be taken from me due to lack of communication. My mortgage increase over $ XXXX w/out any letter of notification and then I am having people indicating they have attempted to call me as well to notify me of this program. I have every phone message in my phone since XXXX and I don't have any message from this single point of contact XXXX. I have attempted to contact her and she never answers her phone. I have talked to multiple people in the loss mitigation department and the last person filed a complaint on my behalf. I spoke w/someone named XXXX on XX/XX/XXXX in customer service who indicated she would be looking into my issues. It would seem to me if you are dealing with someone's home you would do better than calling you would send a certified letter as people change their numbers or the caller may be leaving a message on the wrong voicemail. I don't have my name on my voicemail so how are they certain they did not provide my sensitive information to some unknown person.

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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Bank of America regarding their handling of a disputed transaction involving XXXX. Despite my repeated attempts to resolve this matter, I have been unable to obtain a fair resolution. 

Details of the Complaint : Company Involved : Bank of America ( Credit Card XXXX ) Merchant : XXXX Transaction Date : XX/XX/XXXX Disputed Amount : {$150.00} Nature of the Issue : On XX/XX/XXXX, I attempted to obtain an online tracking number from XXXX. Upon submitting my payment, I encountered an error that prevented me from proceeding to the next page to receive my tracking number. Given the issue, I immediately contacted Bank of America to dispute the transaction. I was advised to wait, as the merchant might reverse the payment. 

I made multiple attempts to contact XXXX, but I was unable to reach anyone. As a result, I proceeded with opening a formal dispute with Bank of America. After their investigation, my claim was denied on the grounds of insufficient evidence, and the case was closed. 

On XX/XX/XXXX, I was finally able to establish communication with XXXX and engaged in active discussions with them for over a month. On XX/XX/XXXX, XXXX confirmed that they would issue a refund due to the error. Armed with this new evidence, I attempted to reopen the dispute with Bank of America. 

However, my efforts to reopen the case and submit additional evidence were met with resistance. After calling Bank of Americas customer service, I was advised to visit a branch in person. Upon visiting the branch, the agent contacted the credit card fraud department, where I was assured that the case would be reopened and that I could submit additional documentation. 

Despite these assurances, I have been unable to formally submit my evidence or get any confirmation from Bank of America that they are reconsidering the dispute. This has caused me financial inconvenience, and I believe that Bank of America has failed in their responsibility to fairly process my dispute claim. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-01-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX tx XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report Dear [ XXXX ] I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being.I am aware of my rights under the fair credit reporting act and request a thorough investigation into the inaccuracies, as required by federal law. Rencently, the consumer financial protection bureau filed a lawsuit against experian for its failure to properly invesigate consumer disputes, citing " sham investigations ' and other unlawful practices.These practices, as outlined by the CFPB, include conducting inadequate investigations that fail to address consumer disputes properly reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigations results effectively .These allegations highlight systemic ifssues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX Sent my relative their allowance via CashApp they received the money however after that my account was closed stating for gambling reasons! when i called the Cash App support phone number, they read from the usual script that I was gambling but could not show any proofs. Account still closed til this day.

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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I filed a police report stating that my account had been fraudulently used. Charges on a card account that I do not recognize with XXXX. I had opened the account almost XXXX years ago but never used the card. Police Report # XXXX, XXXX  XXXX XXXX XXXX.

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: Block, Inc.
State: SC

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 I seek appropriate redress for these violations.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable information 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, 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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filling a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds 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, Transunion 's 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 accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below.

Below are the details of the unauthorized accounts and inquiries I have identified : 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 These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below.

Below are the details of the unauthorized accounts and inquiries I have identified : 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I noticed the false debt in XX/XX/XXXX. From XX/XX/XXXX til present XXXX. Ive been trying to get proof of this debt I never held by XXXX XXXX XXXX XXXX. 
Last reported XX/XX/XXXX {$7600.00} Open balance XXXX XXXX XXXX XXXX. 

I never had relations with this company. 
Please correct. 

Actions I would like is this debt being removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accscient, LLC
State: GA

Complaint narrative:
I am a victim of unfair debt collection practices. The company XXXX XXXX XXXX XXXX XXXX XXXX furnishing false and misleading account information in my name to XXXX XXXX XXXX XXXX, XXXX, and others. The company is stating that I owe a debt to them which I do not owe to them. I do not have any association with the company and never entered into any contracts with the company. The company should not have any of my non public personal information including but not limited to my name, address and phone number. Because I never engaged with the company, it means that my personal information was obtained without prior consent directly from me, which means it was obtained by means of identity theft and deceptive forms. These actions are ruining my credit reputation and are causing damages to my household. I will not tolerate unfair debt collection practices. I am seeking justice and remedy.

Company response to consumer: Untimely response
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: OH

Complaint narrative:
The wrong things are on my credit report from background check to things that arent in collections anymore or that i didnt do and i also have identity fraud report. Also they reported a bankruptcy that was not disclosed for credit due to public recorded. I have a paper stating it was not legally obtain or for public record

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went in my mobile app for BOFA, and it was locked. I tried getting a hold of mobile banking and they havent been answering my calls. I went to the bank and they had me running in circles to se why my account was locked but could not give me any information. I still have no answer on to why my account is locked. 
I cant even see the amount thats in my account nor can I login, or use my card XXXXXXXX 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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

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