vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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 insufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding Against navy federal credit for similar practices, which 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 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I first became aware of this account while reviewing my credit report and immediately took steps to dispute it with Wells Fargo. However, the account remains on my report, and it is negatively affecting my credit. 

To support my dispute, I have enclosed the following documents. A copy of my government-issued ID ( e.g., drivers license or passport ) A copy of a recent utility bill or other proof of address. And still they did not do their proper investigation on this matter! It has been years with this! {$5000.00} i have to pay back that ja not mine!

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 2025-01-19 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: IL

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 2025-01-19 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:
Hello, to whom it may concern, I could write out a bunch of fair credit reporting acts and USC and UCC codes, but I don't want to do that. My issue is simple. The address ' and phone numbers on Experian and XXXX are inaccurate. NON MAILABLE ADDRESSES and the phone numbers are deactivated. I have one address and one phone number and I been employed at one company and will provide that info on request. But first I need that inaccurate info to be removed.

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 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted Portfolio Recovery Associates LLC at their listed phone number of XXXX. After providing my first and last name, the customer service representative informed me that I would need to call another company to deal with the debt I was inquiring about. They informed me they transferred it off to a company called XXXX XXXX XXXX in XXXX of XXXX and gave me their phone number. When I told them that they were listed as the creditor on my credit report, they again told me they were unable to help and that I needed to call XXXX XXXX XXXX to discuss the debt or make a payment. 

I told them that on the Portfolio Recovery Associates site, in very clear language, it says " We only collect on debt that we own and we never resell your debt ''. When I questioned the customer service representative about this, she told me she wasn't able to speak to that matter, she can just see what's on the computer. I then asked for a supervisor. The supervisor immediately told me the exact same thing, that I needed to contact XXXX XXXX XXXX to discuss the debt or arrange payment. When I asked how they were allowed to sell off the debt, she informed me they didn't sell it, but just handed it off for payment collection, but she also informed me that Portfolio Recovery Associates couldn't collect payment or withdraw the collection from that company ( despite the fact they claim they own it still ). When I asked why they did this, she asked a co-worker and the response was " sometimes we just get busy and they need to give accounts to other companies to collect on ''. When I questioned them again on how they sold off the debt, despite their promise on their website, the supervisor told me they didn't sell the debt but again told me to contact XXXX XXXX XXXX with any questions. 

Their claim that they didn't sell off this debt seems like a lie since they are claiming they can't collect payment for it, and don't have the ability to discuss it with me. They said they only control the reporting to the bureaus and said if I pay XXXX XXXX XXXX, they'll let Portfolio Recovery Assets know so they mark it resolved. When I asked them to verify the validity of this debt, again I was told to call XXXX XXXX XXXX because they were unable to do so. It seems if the company who claims to own it, can't verify the debt, it's not a legitimate debt. 

You can find the statement about them not selling accounts on their website at the following link : XXXX XXXX XXXX So in summary, Portfolio Recovery Associates XXXX XXXX they own this debt and are currently reporting it to the credit reporting agencies as unpaid and delinquent, but when I call to speak to them about it, they're claiming it's handled by XXXX XXXX XXXX  and they're unable to verify this debt. This feels like they're doing something incredibly shady, if not downright illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Credit Fresh Holdings Inc
State: AL

Complaint narrative:
In XX/XX/XXXX, I notified XXXX XXXX XXXX XXXX that I was a victim of identity theft and disputed a fraudulent account associated with a credit card ending in XXXX. This account, with a balance of {$1700.00}, was opened in XX/XX/XXXX without my knowledge or authorization while I was incarcerated from XXXX to XXXX. I have never applied for or opened an account with XXXX XXXX XXXX XXXX, nor did I authorize anyone to obtain credit in my name. 

As part of my identity theft claim, I filed a police report and submitted an Identity Theft Report to the Federal Trade Commission ( FTC ). XXXX initially removed the fraudulent account from my credit report in XX/XX/XXXX, but it was placed back on my credit report in XX/XX/XXXX. XXXX later claimed that a member of my household or family, listed as an authorized user on the account, had benefited from the activity. They stated this was a civil matter between myself and the individual involved. 

This explanation is both erroneous and unacceptable. I did not authorize any person, whether related to me or not, to open or use an account in my name. XXXX assumption that I may be responsible for the account due to my last name is both unfair and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Steps I have taken : I filed a police report and an FTC Identity Theft Report. 
I have disputed this account multiple times directly with XXXX XXXX XXXX XXXX. 
I provided documentation proving I was incarcerated during the time the account was opened and could not have authorized its creation. 
Despite these efforts, XXXX has failed to resolve this matter. Their actions have caused significant harm to my credit and financial reputation, and they have not provided evidence to substantiate their claim that I am responsible for the account with a balance of {$1700.00}. 

I believe XXXX handling of this matter demonstrates willful negligence and a disregard for my rights as a consumer. I ask the CFPB to intervene to resolve this issue promptly and fairly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill is 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 law suit 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 right 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 2025-01-19 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed 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 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 2025-01-19 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: AR

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-19 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: TN

Complaint narrative:
Experian has failed to fufill 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 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 2025-01-19 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:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and NumbeXXXX : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section XXXX XXXX XXXX XXXX ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose.

Thank you for your prompt attention in this matter. 

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PR

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the past few years, I have repeatedly disputed these accounts with Experian. To date, Experian has neither provided proper verification of the accounts nor issued a 1099 form for the reported accounts.

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Request for Refund of Overdraft Fees Charged on XX/XX/XXXX Complaint Details : On XX/XX/XXXX, Bank of America charged me three consecutive overdraft fees of {$35.00} each, totaling {$100.00}. These charges placed a significant financial burden on me at the time and were a key factor in my decision to close the account. 
At the time, I was an out-of-state college student living on limited financial aid during the challenging circumstances of the XXXXXXXX XXXX. These fees added undue stress to an already difficult period when my financial resources were extremely constrained. 
Since then, Ive learned that Bank of America has updated its overdraft policies to significantly reduce or eliminate such fees. As of XXXX : Non-Sufficient Funds ( NSF ) fees have been eliminated. 
Overdraft fees have been reduced from {$35.00} to {$10.00} per occurrence. 
Overdraft protection transfer fees were also removed. 
These changes reflect an acknowledgment that prior overdraft practices may have been excessive and burdensome for customers. I respectfully request that my case be reconsidered in light of these updated policies and my specific circumstances at the time. I kindly ask that the {$100.00} in overdraft fees charged to my account on XX/XX/XXXX, be refunded as a goodwill gesture. 
Although my account is now closed, I was a loyal customer before these fees were assessed. I believe a refund would not only rectify the situation but also demonstrate Bank XXXX XXXX commitment to fairness and customer satisfaction, particularly during periods of financial hardship like the pandemic. 
Thank you for your time and attention to 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This 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 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 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Jefferson Capital Systems LLC for failing to provide validation of a debt that they claim I owe. I requested verification of this debt, but despite my request, I have not received the necessary documentation to substantiate the debt. 

Here are the details of the dispute : Debt Collector Information : Agency Name : Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Jefferson Capital Systems LLC Account Number XXXX My Request for Debt Validation : I sent a debt validation request to Jefferson Capital Systems LLC , asking for proof of the debt, including the original contract or agreement, a statement of the amount owed, and evidence that the agency is authorized to collect on behalf of the creditor. However, I have not received a response within the time frame required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of Rights : This failure to provide validation violates my rights under the FDCPA, specifically my right to request proof of the debt. Additionally, I believe that Jefferson Capital Systems LLC has continued collection efforts without verifying that I owe the debt or that they are authorized to collect on it. 

Actions Taken : I have attempted to resolve this matter directly with Jefferson Capital Systems LLC, but their failure to respond appropriately has left me with no choice but to escalate the issue. 

I respectfully request that the CFPB intervene in this matter to ensure that Jefferson Capital Systems LLC complies with the FDCPA by providing the requested debt validation. If they can not provide proper validation, I ask that they cease all collection activity related to this debt. 

I am willing to provide any additional information or documentation needed to assist with your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation