vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX requires I ageee to a mobile app. This app allows them to have access to all information on my phone. I told them I did not want to do this. They replied then if I dont get the app I can not get the card. Are they crazy? This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

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 charged 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 2025-01-24 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-01-24 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: GA

Complaint narrative:
I have sent letters asking to fix or delete the information on my credit report and still comes back the same. I understand there are laws and rules but they are not following them and are harming me from moving on in the future. Experian keeps sending back the same info and haven't changed anything from letters and on websites I even called twice a month trying to fix the problem on 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 explanation
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
THERE ARE 3 ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT & INACCRATE PAYMENT HISTORY IN THE MONTHS ON EACH ACCOUNT THAT IS REPORTING. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY FOR VILATION THE FCRA. ( XXXX XXXX XXXX ) ( XXXX  XXXX ) ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
THERE ARE 3 ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE UNVERIFIED, INACCURATE AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT & INACCRATE PAYMENT HISTORY IN THE MONTHS ON EACH ACCOUNT THAT IS REPORTING. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY FOR VILATION THE FCRA. ( 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-24 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information in My Credit Report Dear Experian, I am writing to formally dispute inaccurate and/or unverifiable information included in my credit report as furnished by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent noncompliance.

The following item ( s ) on my credit report are inaccurate and require immediate investigation and correction : XXXX. XXXX XXXX XXXX {$1400.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 
XXXX. XXXX XXXX XXXX {$660.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company.

The inclusion of this inaccurate information has caused harm to my creditworthiness and may have resulted in adverse actions against me, including [ briefly mention harm, such as denial of credit, increased interest rates, etc. ].

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of disputes regarding the completeness or accuracy of any information contained in my credit report. If the disputed information is not verified as accurate, it must be corrected or deleted promptly.

Please provide written confirmation of your receipt of this dispute within 30 days, as well as the results of your investigation. Should you fail to comply with your obligations under the FCRA, I reserve the right to pursue all remedies available to me under the law, including those outlined in 15 U.S.C. 1681o for civil liability due to negligent noncompliance.

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX XXXX If youd like to refine it further or add more details about your case, let me know!

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 2025-01-24 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: LA

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 CFPBs 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 concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed multiple unauthorized hard inquiries on my credit report conducted by lenders associated with the following dealerships : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these dealerships, the inquiries were also pulled by their associated lenders, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 initially contacted the dealerships and spoke to the sales representatives listed above. They denied releasing my personal information, with some stating they were unaware their companies would use my information without consent. Others advised me to contact the credit bureaus. I filed disputes with XXXX, XXXX, and Equifax, on XX/XX/XXXX but they informed me that they could not investigate the matter and directed me to contact the individual lenders. Upon reaching out to the lenders, I was told I had no accounts with them and they could not assist me. I was redirected back to the credit bureaus, who ultimately advised me to file a complaint with the CFPB. 

I am requesting a proper investigation into these unauthorized hard inquiries and their immediate removal. If authorization is claimed, please provide proof of my signed consent and details of the permissible purpose under the Fair Credit Reporting Act ( FCRA Kindly confirm the resolution in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed multiple unauthorized hard inquiries on my credit report conducted by lenders associated with the following dealerships XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these dealerships, the inquiries were also pulled by their associated lenders, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 initially contacted the dealerships and spoke to the sales representatives listed above. They denied releasing my personal information, with some stating they were unaware their companies would use my information without consent. Others advised me to contact the credit bureaus. I filed disputes with Experian, XXXX, and XXXX, on XX/XX/XXXX but they informed me that they could not investigate the matter and directed me to contact the individual lenders. Upon reaching out to the lenders, I was told I had no accounts with them and they could not assist me. I was redirected back to the credit bureaus, who ultimately advised me to file a complaint with the CFPB. 

I am requesting a proper investigation into these unauthorized hard inquiries and their immediate removal. If authorization is claimed, please provide proof of my signed consent and details of the permissible purpose under the Fair Credit Reporting Act ( FCRA Kindly confirm the resolution in writing.

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 2025-01-24 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: VA

Complaint narrative:
Transition, XXXX and XXXX all single investigations into the disputes made by me on my credit reports of false and inaccurate information.

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 2025-01-24 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: VA

Complaint narrative:
XXXX, Equifax and XXXX all single investigations into the disputes made by me on my credit reports of false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MO

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 XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I am experiencing difficulties closing my account with Coinbase, despite meeting all the stated requirements. My wallet balance is {$0.00}, and all transactions have been completed for over a week. I have reached out to their customer service multiple times, including a chat that has kept me on hold for over 4 hours. This delay in processing account closure is unreasonable and unacceptable. I request your assistance in addressing this matter as it seems to violate basic consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I have asked to have XXXX  XXXX removed from my credit report. This loan is in the forgiving stages and previous to that was in the save act remove this from report. It also states payment summary incorrectly and states last payment was XXXX XXXX XXXX should be blank! payment summary is incorrect and last payment is wrong this is causing me great harm. Remove this from my account or I will sue. All 3 bureaus need to be prosecuted for this great harm it is doing to my credit. I have proof from the state that reflects it is being forgiven no payments due. Remove this immediately while you work on obtaining the records needed. I have requested this multiple times. And experian XXXX and XXXX have failed to do their job! I also request a signed letter that I was asked of it was OK with me for this to be reported on my credit report by law I was supposed to consent. I do not give co sent for this installment loan to be on my credit report! I do not give permission.

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 2025-01-24 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: FL

Complaint narrative:
I have asked to have XXXX  XXXX removed from my credit report. This loan is in the forgiving stages and previous to that was in the save act remove this from report. It also states payment summary incorrectly and states last payment was XXXX XXXX XXXX should be blank! payment summary is incorrect and last payment is wrong this is causing me great harm. Remove this from my account or I will sue. All 3 bureaus need to be prosecuted for this great harm it is doing to my credit. I have proof from the state that reflects it is being forgiven no payments due. Remove this immediately while you work on obtaining the records needed. I have requested this multiple times. And XXXX XXXX and equifax have failed to do their job! I also request a signed letter that I was asked of it was OK with me for this to be reported on my credit report by law I was supposed to consent. I do not give co sent for this installment loan to be on my credit report! I do not give permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank closed my credit card account without my consent after I reported a few unauthorized charges. I was expecting them to simply replace the card and investigate the issue, but instead, they shut down the entire account, leaving me with no notice or explanation beforehand. This unexpected action not only caused inconvenience but also negatively impacted my credit score. I had not requested the closure, and the charges in question were still being reviewed. Its frustrating to deal with this lack of communication and understanding from a bank I trusted.

I called two days later without knowing my account had been closed just to make sure the process of investigation had initiated since the agents call failed before she confirmed. When I called 2 days later the new agent mentioned not being able to make the report of the unknown charges. She then put her manager on the phone and he said everything was ok. I went to my app and could no longer find my credit card info. He said everything was fine and they were only making updates on the app and reiterated that everything wad good with my credit card account and to wait for Monday. 

On Monday I called and the agent was having a hard time finding my about. He placed me on hold multiple times and then finally said it looks like youre about has been closed. I couldnt believe and he placed me on hold a few more times. He came back saying this is a hard position to be placed on. He didnt know what to say nor had an explanation and said I would receive a letter and finally said to go to a branch. He seemed unable to understand what had happened and seemed nervous. 

I went to the bank and while to the executives, she quickly went into my account did internally what she needed to do and told me my account was ok. My about was not visible until she did manipulated the computer. I asked to speak with branch manager. He apologized and mentioned they dont run the credit cards only online and he just said sorry. 

My account was indeed closed. I have the report from the bureau and they were surprised to know that a bank would lie knowing the huge mistake they made which had severely impacted my credit score with XXXX points down. They have me a new numbering of a stupid card which they still havent reported to the bureaus. 

TD bank has failed me and they havent done nothing about it! No apologies, not owning their huge mistake and not when sending a report to the credit bureaus to notify their obnoxious ridiculous mistake! 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation