vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am disputing an inaccurate XXXX late payment reported by XXXX XXXX  XXXX on my credit report for XX/XX/year>. XXXX has confirmed that this was a system error and provided me with a letter stating that they corrected the error and notified the credit bureaus. However, my credit reports remain unchanged, and this inaccuracy has negatively affected my ability to secure a home loan. 
Please find the attached evidence : 1. XXXX letter. 
2. Credit report showing the error.

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 2025-01-26 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: TX

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 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 '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 ( File No. 2025-CFPB-0002 ) 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. 

This account is inaccurate XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I would like to file a formal complaint against Experian. This is the fifth time since 2023 that I have requested accuracy on my consumer report. However, Experian states that the information is verified accurately. Failing to address these discrepancies, especially where, open dates precede last activity dates or closed dates occur before open dates, last activity dates moving constantly, inaccurate remarks between bureaus, and unverifiable document from creditormay constitute a violation of these FCRA provisions. I am a single widow of XXXX children after the passing of my spouse of 13 years, to XXXX. These inaccuracies have caused a severe hindrance to my life as it has affected my creditworthiness to rebuild my life again. 

FCRA Violations & Requirements 1. 15 U.S.C. 1681e ( b ) You must employ reasonable procedures to ensure the maximum possible accuracy of the information you report.

2. 15 U.S.C. 1681i ( a ) You must investigate disputed items within 30 days and correct or delete any data found to be inaccurate, incomplete, or unverifiable.

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 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made several request to all 3 credit bureau reporting agencies to remove previous addresses, employmer information, and my maiden name as public record on my credit report.

None of this information is ever removed. And because of this, the increased amount of scammer attempting to collect a debt or threatening to sending a processor to my job continues.

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 2025-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have made several request to all 3 credit bureau reporting agencies to remove previous addresses, employmer information, and my maiden name as public record on my credit report.

None of this information is ever removed. And because of this, the increased amount of scammer attempting to collect a debt or threatening to sending a processor to my job continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I wanted to know who they sent my personal information to without my permission and why were they being sued if they didn't do it

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Galaxy Capital Acquisitions, LLC
State: GA

Complaint narrative:
I spoke with a person from XXXX XXXX XXXX  and was told this acct was opened in 2014. More than XXXX yrs ago. I was told it was from a company named Galaxy international. I don't know what kinda company this was and I never opened any acct. with then. I asked for paperwork and more information. It was NEVER sent to me. I also asked how can they put this on my credit report with out verification that this acct is mine??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
XXXX and Experian have put charged off items back on my credit as delinquent.

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
I disputed a charge of {$1100.00} from a hotel I cancelled well within the free cancellation time range hotel manager advised me to dispute the charge rather than getting a refund. I sent MULTIPLE REPUTABLE sources proving that my claim was correct, and I should receive my money back. However chime denied my claim and refuses to tell me why.

This happens to a lot of Chime users and I think it is unfair that chime does not have protection for its customers. Again, I have provided many emails and documents that supported my claim and they still denied it without reasonable explanation Im currently without {$1100.00}. 

I was told by chime I would receive a provisional credit for this mistake today, but they sent me an email yesterday saying they closed the claim AGAIN and I will not be getting a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CADENCE BANK
State: MS

Complaint narrative:
XXXX XXXX discussed with my supervisor ( I also work for this bank ) about not taking my whole incentive this month ( the month of XXXX ) so I could afford my house payment to them. I made a typo and was told the whole incentive of {$720.00} would be taken. I requested a meeting with her supervisor/manager to see if they would show grace for the typo and not take the whole incentive. They allowed me to meet with the servicing manger who was very cold and aggressive towards me due to me stating how I would contribute to the banks delinquent due to not being able to make the payment this month if I didnt get the incentive. He looked me in my face and said well whose fault is that basically blaming me for not being able to make the payment and not asking any questions as to why I couldnt. I have a spouse who only contributes XXXX a month to my XXXX house payment. I also pay all other bills and costs associated with this house. I am doing my best to maintain the bills with very little help. Being told its my fault by the services of my mortgage I feel should not be okay for them to do. Why would you treat not only your borrower with that much disrespect but also your subordinate. They didnt take my whole incentive, I ended up with a little over XXXX from it, however I still did not gain any clarification on the incentive issue due to they do completely different from the incentive sheet that was handed out to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: NY

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX Transunion, Hello I recently received a response to a dispute that i made under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was shocked to learn that you somehow verified the disputed item and they are still on my credit report. If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. 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 I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. I did research on my own and learned that in the case of Cushman V Transunion, Stevenson V.TRW ( XXXX ), and Richardson V. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't Merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! I am in the process of planning a legal case, so I need specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or will expect to see the item in question permanently removed from all records.

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 2025-01-26 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: MI

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 charge fees due last posting of charges and credits this issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settle with insufficient balance is despite initially available funds I believe these practices are unfair, and request an investigation into my 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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report by Experian. This dispute is submitted under the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the consumer financial protection bureau ( CFPB ) have brought to light significant concerns regarding Experian failure to conduct proper investigation. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in Sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items with 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Account Name - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Provide me with all documentation used to verify the accuracy of the disputed information. 

3.Correct or delete any information that can not be verified or is accurate, as mandated by law

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

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 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have paid the vehicle off in XXXX of 2024. I have requested for any derogatory payments be removed from my credit report. After closer looking at my report I see that Capital One have late payments posted on my account

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: 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:
Transunion 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. Transunion 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 all negative accounts that have been disputed and continue to be disputed as Transunion '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 non-monetary relief
Consumer complaint received 2025-01-26 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 compliant against Navy Federal Credit union regarding multiple overdraft fees, I have incured. 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. I have had and still have checking accounts with Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 were unfair and request an investigation into my account and 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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I spoke with a person from First Credit svc and was told this acct was opened in 2014. More than XXXX yrs ago. I was told it was from a company named XXXXXXXX XXXX I don't know what kinda company this was and I never opened any acct. with then. I asked for paperwork and more information. It was NEVER sent to me. I also asked how can they put this on my credit report with out verification that this acct is mine??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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