vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting this letter as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate and unverified information being furnished by Affirm , Inc. on my XXXX XXXX XXXX XXXX  credit report. 

The evidence is uncontroverted that AFFIRM has been paid in full for the subject alleged loan via the securitization process. Under settled law both the Uniform Commercial Code and long-standing principles of accord and satisfaction that payment extinguished the debt and discharged XXXX XXXX obligation . The continued maintenance of inaccurate credit reporting and collection efforts by AFFIRM are not supported by any lawful right and are causing ongoing harm to XXXX XXXX. There is no genuine issue of material fact that the debt is satisfied. I file a federal court case for security fraud. SEC Rule 10b-5 / GAAP violations Accounting Fraud, misrepresentation in securitized financial statements. Those claims support restitution or rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX  XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | XXXX : {$0.00} XXXX XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | Balance : {$1700.00} XXXX XXXX XXXX Account No. XXXX | Opened : XX/XX/XXXX | XXXX : {$1500.00} XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | XXXX : {$1100.00} XXXX Account XXXX. XXXX | Opened : XX/XX/XXXX | XXXX : {$3100.00} I dispute the accuracy of these accounts, including balances, dates, and reporting status. I request full verification, including proof of ownership, complete payment history, and authority to report. 

Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recognize or recall authorizing these inquiries and request verification of permissible purpose. 

Late Payments XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unfair information appearing on my Equifax credit report. I am a consumer working to clean up my credit and ensure my report is accurate and complete. 

Charged-Off / Collection Accounts I dispute the accuracy and reporting of the following accounts : XXXX XXXX  Acct XXXX ( XX/XX/XXXX, {$500.00} ) XXXX XXXX  Acct XXXX ( XX/XX/XXXX, {$2000.00} ) XXXX XXXX  Acct XXXX ( XX/XX/XXXX, {$1100.00} ) XXXX XXXX  Acct XXXX ( XX/XX/XXXX, {$1300.00} ) XXXX XXXX  Acct XXXX ( XX/XX/XXXX, {$520.00} ) XXXX XXXX Acct XXXX XXXX XX/XX/XXXX, {$0.00} ) XXXX & XXXX  Acct XXXX XXXX XX/XX/XXXX XXXX {$0.00} ) XXXX Acct XXXX ( XX/XX/XXXX, {$0.00} XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, {$680.00} ) Some of these accounts show XXXX balances but are still reported as charged off, while others appear duplicated, outdated, or inaccurately reported. I am requesting Equifax verify the accuracy of each account, including balance, status, and reporting dates. Any account that can not be fully verified should be corrected or removed. 

Credit Inquiries I am disputing the following inquiries as I do not recognize authorizing all of them and believe some may lack permissible purpose : XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Late Payment Reporting XXXX  Acct XXXX XXXX  Acct XXXX The late payments being reported on these accounts are inaccurate or overstated. I am requesting Equifax investigate and correct or remove any late payments that are not fully accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of two auto loan accounts unauthorized loan account currently appearing on my Experian credit report, as reflected in my XXXX  credit report Upon reviewing my credit file, I identified the following auto loan accounts that are being reported with inaccurate and unverifiable I did not apply for, authorize, or sign any retail installment contracts or auto financing agreements with either Stellantis or Prestige. I have no contractual obligation related to these accounts. 

Additionally, the balances currently being reported for these accounts are inaccurate, misleading, and unverifiable. Reporting an unverified balance constitutes inaccurate reporting under the Fair Credit Reporting Act.

Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into all disputed information. Under 15 U.S.C. 1681a and 1681b, all information reported must be accurate, complete, and supported by verifiable documentation.

I am formally requesting that you : 1. Conduct a full investigation into both disputed auto loan accounts 2. Provide documented proof of my authorization, including signed retail installment contracts 3. Verify the exact balances being reported with original documentation 4. Delete any account or balance that can not be fully verified Furthermore, pursuant to 15 U.S.C. 1681c2, any account resulting from unauthorized activity must be blocked and permanently removed from my credit file and may not be reinserted.

Please provide written confirmation of the results of your investigation and any corrective actions taken. 

Sincerely, XXXX XXXX Date of Birth : XXXX  Address : XXXX XXXX XXXX XXXX XXXX, GA 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverifiable information being reported on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of the accounts, inquiries, and late payment information listed below. Some of these items are reporting inaccurately, lack complete payment history, or have not been properly validated. 

Charged-Off Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | Opened XX/XX/year> | Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened XX/XX/year> | Balance {$0.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following accounts listed by TransUnion as I believe these accounts have been inaccurately reported and do not reflect my actual credit situation. 

Disputed Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$4600.00} XXXX, XXXX, XX/XX/XXXX, {$420.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$19000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$840.00} Inquiries XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/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 2025-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
See attached letter I mailed to Cash App : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX Block , Inc Cash App Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Attention : Appeal Letter, Complaint Process XXXX XXXX XXXX I hope this letter finds you well. I am submitting a formal appeal regarding the decision on XX/XX/year>. The denial email stated that the decision has been reviewed and denied as follows. For my granddaughter XXXX XXXX, XXXX for {$65.00}. We have reviewed your dispute and other activity on your Cash App account. 

A. The account was not compromised when I spoke to the lady over the phone. And there were no other activities. The information taken over the phone was incorrect. 
XXXX XX/XX/year>, XXXXXXXX XXXX  {$65.00} was paid to XXXX XXXX through Cash App ( XXXX ). 
My complaint concerns the fact that XXXX XXXX is no longer linked to XXXX by name, email, phone number, or other contact details. Was unable to reactivate her old account. 

From XX/XX/XXXX to XXXX, XXXX repeatedly contacted the Customer department and XXXX XXXX. I, XXXX XXXX, made multiple calls. Each time, I got a different answer. The XX/XX/year>, call was sent to the access department, but my granddaughter XXXX repeated the process without success. 

Please refund {$65.00}. I was informed that the funds are in XXXX XXXXXXXX XXXX  ( XXXX 's old account. 
XXXX XXXX 's Cash App : XXXX XXXXXXXX. Attached a copy of the denial letter from Cash App. 

Kindly perform the necessary steps. 



XXXX XXXX CC : Financial Protection Bureau CC : Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am disputing the following accounts and late payment information on my Experian credit report because the information is inaccurate, incomplete, and/or can not be properly verified. I am requesting a full investigation and correction or deletion of these items in accordance with the Fair Credit Reporting Act. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$330.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1900.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$13000.00} Late Payment in XXXX Department of Education XXXX XXXX Account # 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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am a consumer who is actively attempting to correct inaccurate information on my credit report. Despite prior disputes, Equifax continues to report information that is inaccurate, incomplete, or not properly verified. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure maximum possible accuracy. I am requesting correction or deletion of the following items. 

Charged-Off Account XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} This account is being reported as charged off while reflecting a XXXX balance. This is misleading and inaccurate. If the balance is truly XXXX, there is no valid basis for this account to continue reporting as a derogatory charged-off account. Equifax has failed to provide proper verification. 

Unauthorized / Unverifiable Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and Equifax has not provided documentation showing a permissible purpose as required by the FCRA. 

Late Payment XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'I am disputing the following accounts and inquiries as they appear on my Equifax credit report. The information reported is inaccurate, misleading, and/or incomplete. Some accounts appear duplicated, improperly updated, or reported with conflicting balances and dates. I am requesting full verification or deletion in accordance with the FCRA.\n\nCharged-Off Accounts (Equifax)\n\XXXX XXXX XXXX XXXXnDate Opened: XXXX\nBalance: XXXX XXXX XXXX XXXXnAccount #XXXX XXXXnDate Opened: XXXXnBalance: XXXX XXXX XXXX XXXX XXXX\nAccount #: XXXXnDate Opened: XXXX\nBalance: XXXX XXXX XXXX XXXX XXXX\nAccount #XXXX XXXX\nDate Opened: XXXXnBalance: XXXX XXXX XXXX XXXX XXXXAccount #: XXXXDate Opened: XXXXnBalance: XXXX XXXX XXXX XXXX XXXXnAccount #: XXXXnDate Opened: XXXX\nBalance: XXXX\nInquiries (Equifax)\n\nXXXX XXXX XXXX XXXXn\nThese inquiries are disputed as unauthorized and/or not permissible under the FCRA.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
XXXX the XXXX I paid my rent my check was XXXX XXXX dollars I paid my rent and got groceries on XXXX the XXXX they took over a XXXX dollars I had no clue until I couldn't pay my bills they said I had a XXXX overdraft fees I never had any knowledge about a overdraft fees I never opt in any program I wasn't notified about the money they stolen until I tried to pay my bills that's when the lady at the bank told me they said my rent payment company didn't process it my rent payment company said they did get the money I'm shocked because I never had a overdraft fees from this bank ever I mean ever it just came out the blue I want to and hope it's a double process error I didn't agree nor knew about this overdraft fees program it wasn't explained to me I just don't understand why

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete information on my TransUnion credit report. 

Charged-Off / Collection Accounts I dispute the accuracy of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$540.00} ) XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$11000.00} ) XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, balance {$270.00} ) XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, balance {$5800.00} ) XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$180.00} ) XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) Some of these accounts appear inaccurately dated, improperly reported, or show XXXX balances while still harming my credit. I am requesting TransUnion verify the accuracy of each item and remove or correct any account that can not be verified. 

Credit Inquiries I am disputing the following inquiries as potentially unauthorized or inaccurate : 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 The late payment reporting on this account is inaccurate and should be reviewed and corrected.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My account by navy federal was closed due to overdrawn account. My identity was breached and I tried disputing charges as Navy federal denied my claims. They had advised me then my account was closed in XX/XX/year>. 

I received a adjustment income tax to my closed account on XX/XX/year>. 
Navy Federal failed to let me know that I received my income tax deposited to a close account what they did was transfer them at money to a supposed savings account and garnish the amount on the overdraft.

Navy Federal had no authority in transferring my income tax to an account that I did not authorize on my taxes. I've reach a dead end advising them that I have not received the right investigation on my accounts I'm requesting my {$1100.00} to be given back to me as Navy Federal took that money and placed it in an account that I did not authorize when doing my taxes.

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