vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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 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 2025-03-16 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I received a XXXX XXXX refund. However, it was sent to my old Best Buy Citi account that has been closed. I am sending proof of receipts showing, I was sent the price match refund for my tv. I was told a check would be mailed out with in 3-5 days. It did not happen. My XXXX XXXX refund went to my old Best Buy Citi account ending in XXXX. It should have went to the card ending in XXXX per the receipts. I had a tv go out and took out the 5 year warranty. Best Buy gave me {$1200.00} towards a new tv and l upgraded to a more expensive tv paying the difference of {$1100.00} as shown in the receipts. Again, the {$600.00} XXXX XXXX refund was suppose to go to card ending in XXXX original payment method for that {$1100.00} difference I paid from for the difference. This has been going on for MONTHS with no resolution to this day. Citi says the account was credited on the old account that was closed and I had a balance. Not so, I filed that account in a bankruptcy and was XXXX a few years ago. Citi has no business keeping this account active and not fully closed. Apparently, this scenario has happened to many other customers. Best Buy themselves see this happen frequently. This is very wrong for Citi to continue these practices and get away with it. My local store has been working with me trying to get this resolved. They can not get any where with it. Initially, Best Buy said to contact Citi. I did and opened a dispute. Only for them to send me a letter saying to take it up with Best Buy directly. They are passing it back and fourth leaving me in the middle with no resolution to this day. Citi even acknowledged themselves yes, they received the credit and posted it to that old/closed account ending in XXXX. That is not their money to keep and posted it on the wrong account. My next step is small claims court. It's a slam dunk case and I have all the documents to prove it. Even more documents if requested or needed. I don't want to go that route as this can be easily addressed. Citi is just being difficult for what ever reason.

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 2025-03-16 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: VA

Complaint narrative:
several account were sold to collection agencies with out my consent I do not owe these agencies based on original contract. Due to data breach of credit reporting agencies my person data was breached affecting my credit report. Many of my personal informations are incorrect on my person credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
my information was leaked in a data breach and im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: DISCOVER BANK
State: FL

Complaint narrative:
my information was leaked in a data breach and im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-16 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: IL

Complaint narrative:
Dear CFPB, I am concerned with Equifax, Experian and Transunion with how my private information and consumer privacy has affected the ability to receive fairness, equal opportunity and credit protection/extension. In accordance with the Fair Credit Report Act 15 USC 1861 section 692 states there is a need to insure that consumer reporting agencies exercise exercise their grave responsibilities with fairness, impartiality and respect for consumers right to privacy. These agencies have infringed on my privacy as the consumer in accordance with Privacy Act 1974. I have the right to make sure my information is private and who to disclose the information to or not with my permission. 15 USC 6801. Congress states that financial institutions have an affirmative obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers. In addition, 15 usc 1681 section 604 section 2 states that in general subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; with written instructions of the consumer to whom it relates to. The financial institutions and the consumer reporting agencies have not recieved my permission to report these inaccuracies and disclose this information nor did I give written instructions or consent for this to be done. It is hereby any and all consent to Equifax, Experian, Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. 15 usc 6802. These agencies never informed me of my right to exercise my non disclosure option. It is against law to commit these crimes and report adverse items to my report without my permission. 15 usc 1681 states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to lint the furnishing of consumer reports to the purposes listed under section 1681 b of this title. *FERPA ( Student Loan Removal ). These agencies are not maintaining or regulating proper procedures in accordance with law govern by Congress. Today I am opting out of your reporting services in accordance with 12 CFR 1016.7 and to remove all negative reports, hard/soft inquiries and charge offs.

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 2025-03-16 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The bank put a block on my accounts and will close my savings and checking account on the XXXX of XXXX, XXXX they say it's due to a risky check that I deposited and they do not want to do business with me anymore. I don't know what to do I have no money until when they decide to give me my money which will be XXXX business days after the XXXX of XX/XX/year>. Is there anything someone can do like donate a few XXXX dollars I would appreciate that. My name is XXXX XXXX my number is XXXX. Please contact me as soon as possible please because I don't know how long I'm gon na have this number.

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 2025-03-16 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: FL

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 removeddisputed 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 2025-03-16 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: TX

Complaint narrative:
The inaccurate information that pertains to a Charge off that appears on my credit report, according to the information provided does not belong to me, and I believe it has been mistakenly reported. The specific details of the charge off that I disputed are, 1.Inaccurrate information 2.Comments 3.Payment history 4.Last reported 5.Date open

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 2025-03-16 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XXXX I spoke with XXXX XXXX, and explained to him my payment amounts are different that the contract I signed and Im trying to understand why. He told me my payments should be {$100.00} and I told him on their website when I process a payment they are {$110.00}. He advised me he would reach out to a manager and get it fixed and for me to call back in a week.

2 weeks later I called and spoke with another representative who also advised me they cant figure out why the increase in payment but will have someone call me back. No one ever returned my call. 

On XX/XX/year> I called and spoke with XXXX, he explained the cost is associated with a {$75.00} administrative fee. I explained to XXXX, that this is not stated in the contract as part of my monthly charge and if it is please revise my contract and send over a new one. I told XXXX its illegal to over charge on a contract and that Ive been paying in good faith on time since the start of my loan. He explained hes not sure if its legal but those are the notes that he has. No person from Wilshire Consumer Credit has ever called to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These credit cards are not mines & are fraudulent. XXXX XXXXXXXX XXXX XXXX is not reporting any of these creditors on my profile therefore these credit cards are fraudulent. These credit cards are not verified or valid with XXXX XXXX XXXX XXXX : XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
These credit cards are not mines & are fraudulent. XXXX XXXXXXXX XXXX XXXX is not reporting any of these creditors on my profile therefore these credit cards are fraudulent. These credit cards are not verified or valid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  XXXX XXXX  Account number XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
These credit cards are not mines & are fraudulent. XXXX XXXXXXXX XXXX XXXX  is not reporting any of these creditors on my profile therefore these credit cards are fraudulent. These credit cards are not verified or valid with 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Experian credit report : XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, DEPT OF EDUCATION XXXX  ACCOUNT NUMBER XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Larry H. Miller Group of Companies
State: NJ

Complaint narrative:
This company closed my account reopened to report past due amount then added a new account back on to my report this is illegal everyday its something new this needs to be I have provided the different reporting within days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
am filing a complaint against Equifax and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and Transunion consistently responds 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, Equifax and Transunuons 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 Equifax and Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, I discovered TransUnion Consumer Solutions was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with TransUnion Consumer Solutions, continues to report the erroneously, and the information remains uncorrected, which detrimentally, and adversely affects my creditworthiness. 

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite explaining that the four digits of my Social Security number on the public record do not verify the accuracy of the public record or its completeness. I explained that at best TransUnion Consumer Solutions can merely assume verification of the public record obtained from XXXX. Therefore, TransUnion Consumer Solutions continues and fails to conduct a proper investigation as requested thereby, rejecting the removal of the inaccurate, incomplete, and unverified public record from my credit report.

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