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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX  XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that 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 a 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 2025-01-16 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 the 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX XXXX credit reporting agency and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( {$47000.00} ) XXXX XXXX ( {$45000.00} ) XXXX XXXX  XXXX ( {$10000.00} ) XXXX ( {$17000.00} ) XXXX XXXX XXXXXXXX ( {$11000.00} ) XXXX XXXX XXXXXXXX ( {$17000.00} ) XXXX XXXX  ( {$3100.00} ) XXXX XXXX ( {$7200.00} ) XXXX ( {$10000.00} XXXX XXXX XXXX ( {$5000.00} XXXX XXXX ( {$990.00} ) XXXX XXXX ( {$3600.00} ) XXXX XXXX ( {$330.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency , TransUnion credit reporting agency and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( {$47000.00} ) XXXX XXXX ( {$45000.00} ) XXXX XXXX XXXX ( {$10000.00} ) XXXX ( {$17000.00} ) XXXX XXXX XXXXXXXX ( {$11000.00} ) XXXX XXXX XXXXXXXX ( {$17000.00} ) XXXXXXXX XXXX ( {$3100.00} ) XXXX XXXX ( {$7200.00} ) XXXX ( {$10000.00} XXXX XXXX XXXX ( {$5000.00} XXXX XXXX ( {$990.00} ) XXXX XXXX  ( {$3600.00} ) XXXX XXXX  ( {$330.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-01-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( {$47000.00} ) XXXX XXXX ( {$45000.00} ) XXXX XXXX XXXXXXXX ( {$10000.00} ) XXXX ( {$17000.00} ) XXXX XXXX XXXXXXXX ( {$11000.00} ) XXXX XXXX XXXXXXXX ( {$17000.00} ) XXXXXXXX XXXX  ( {$3100.00} ) XXXX XXXX ( {$7200.00} ) XXXX ( {$10000.00} ) XXXX XXXX ( {$5000.00} XXXX XXXX  ( {$990.00} ) XXXX XXXX ( {$3600.00} ) XXXX XXXX ( {$330.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
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: SC

Complaint narrative:
I reported my card lost after my purse was stolen with my important documents my card was over drafted XXXX plus dollars without my knowledge until I got a letter in the mail

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and Im unsure how they got there. I checked my report as I usually do, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Because of this, Im requesting a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: CO

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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 wasn't reimbursed any of my money from the erroneous fees which lead to bill payments to be sent back to the companies stating " insufficient funds '' even though funds were in the account ( i.e. money market/savings )

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : XXXX 's Failure to Investigate Disputes in Violation of the FCRA Description of the Issue : I am filing this complaint because XXXX has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : - 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

- 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

- 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

- 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

To make matter worse, I have learned about the recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Credit Report Errors ). which highlights that XXXX has documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. 

XXXX XXXX : XXXX. XX/XX/year> - I called XXXX and disputed this item as inaccurate and sent the proof that I paid or was credited an amount XXXX. XX/XX/year> - I went through CFPB and sent proof of inaccuracy and XXXX has not answered as of yet. 

Impact on me : As a result of XXXX 's non-compliance : - My XXXX XXXX remains inaccurate, affecting my ability to secure housing, get a loan, etc. 
- I have been subjected to undue stress and financial hardship. 

Requested XXXX : - Require XXXX to fully investigate and correct the inaccuracies in my credit report. 
- Impose penalties on XXXX for non-compliance with FCRA provisions. 
- Ensure that XXXX implements proper procedures to comply with their obligatoons. 

I have attached all relevent documentation to support 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 non-monetary relief
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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : XXXX 's Failure to Investigate Disputes in Violation of the FCRA Description of the Issue : I am filing this complaint because XXXX has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : - 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

- 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

- 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

- 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

To make matter worse, I have learned about the recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Credit Report Errors ). which highlights that XXXX has documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. 

XXXX XXXX : XXXX. XX/XX/year> - I called XXXX and disputed this item as inaccurate and sent the proof that I paid or was credited an amount XXXX. XX/XX/year> - I went through CFPB and sent proof of inaccuracy and XXXX has not answered as of yet. 

Impact on me : As a result of XXXX 's non-compliance : - My Credit score remains inaccurate, affecting my ability to secure housing, get a loan, etc. 
- I have been subjected to undue stress and financial hardship. 

Requested XXXX : - Require XXXX to fully investigate and correct the inaccuracies in my credit report. 
- Impose penalties on XXXX for non-compliance with FCRA provisions. 
- Ensure that XXXX implements proper procedures to comply with their obligatoons. 

I have attached all relevent documentation to support my claim.

Company response to consumer: Closed with non-monetary relief
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: LA

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C . 1681b, 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 non-monetary relief
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: 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 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: 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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: 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 my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation