vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued by the obligor.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filling 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 seek appropriate redress for these violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX told me I must close probate prior to sell of my fathers home. Again on 2 other occasions I was told I am 100 % ready to move to sell the home. I am now being told by the title company the probate must be re openned to sell. I traveled to Alaska to finish everything before close of probate to sell the house and lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues, including its failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of dispute outcomes. 
These failures align with my own experience, where Experian has failed to correct or remove disputed information, instead maintaining that the account is accurate without providing evidence of a thorough investigation. This practice directly violates the requirements of the FCRA, which mandates a reasonable and thorough review of disputes. 
Additionally, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). These violations are consistent with findings in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against similar credit reporting practices. 
I request that the CFPB take immediate action to ensure Experian complies with federal law and provides consumers with documented proof of reasonable investigations, as required by the FCRA and CFPA. 
These are the accounts I want removed : Dept of EducationXXXXXXXX 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 2025-01-22 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: PA

Complaint narrative:
For over twenty four months i have been disputing the completeness and accuracy of the accounts listed below which is inaccurately reporting on my credit file in a very negative manner.

Yet the CRA 1. fail to provide information requested, 2. failed to correct, 3. and failed to delete and remove the disputed accounts.

Instead they sent me notices of deletions, yet the account and inaccuracies remain on credit report ( see the attached exhibit ) they change the name of the Bank as well as other information. 

For example : Experian report # XXXX shows XXXX XXXX XXXX XXXX XXXX XXXX in other instances. 
Experian report # XXXX shows the item deleted 6 times yet it still remains on my credit file with a different name same account number. see the attached Experian report showing the above deletion 6 different times Deletion dates per Experian file : for the same account XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached XX/XX/year> see file attached Please include me in your class action claim against this company ; and require deletion of all disputed items. 

See the numerous disputed submitted as proof. the disputed inaccurate accounts are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all disputed items must be deleted at this point

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 2025-01-22 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: TN

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 2025-01-22 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: MD

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 2025-01-22 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: NJ

Complaint narrative:
My personal information has been compromised resulting in the opening of fraudulent accounts in my name. These accounts are not mine and do not belong to me. I kindly request that these accounts are blocked and removed from my credit report across all 3 bureaus. 

XXXX {$50000.00} Account # XXXX XXXX  {$38000.00} 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 2025-01-22 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'd like to file a complaint against Navy Federal Credit Union for charging me multiple overdraft fees. These fees were incurred even though I had sufficient funds in my account when the transactions were authorized. The fees were charged because Navy Federal lags the posting of charges and credits, which caused my account balance to fall below XXXX. This practice is similar to the one that the CFPB recently found Navy Federal to be engaging in, which resulted in customers being charged overdraft fees even though they had sufficient funds in their accounts when the transactions were authorized. I believe that this practice is unfair and would like you to investigate 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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Name : XXXX XXXX date of Birth : XXXX IDType : identification cardIDNumber : XXXX Address : XXXX XXXX XXXX XXXX KS XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies I dont recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately!

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  ExperianXXXX  Subject XXXX Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Based on the issues outlined below, it appears that Experian has failed to meet its legal obligations, causing harm to consumers like myself.

1. Failure to Properly Investigate Consumer Disputes Experian has demonstrated a lack of thoroughness in investigating disputes submitted by consumers. This failure directly violates the FCRAs requirement to conduct reasonable investigations into disputed information.

2. Failure to Provide Adequate Notice of Dispute Outcomes Consumers are entitled to clear and timely notification regarding the results of disputes, including explanations of actions taken. Experians lack of adequate communication undermines consumers ability to protect their financial standing. 
3. Failure to Forward Relevant Information to Furnishers It has come to my attention that Experian failed to forward all relevant details to furnishers as part of the dispute resolution process. This omission limits furnishers ability to investigate and correct errors.

4. Allowing Inaccurate Information to Remain on Credit Reports By allowing inaccurate information to persist, Experian has compromised the integrity of its reports, creating unnecessary challenges for consumers.

5. Illegal Reinsertion of Inaccurate Information Reinserting previously deleted, inaccurate information into credit reports without proper notification to consumers is a direct violation of the FCRA. This practice causes ongoing harm to individuals relying on accurate credit information. 

These actions not only violate federal laws but also have caused significant distress and financial harm. I request that Experian take immediate corrective action by : Conducting a thorough investigation into these practices. 
Correcting all inaccuracies on my credit report. 
Providing documentation regarding the results of your investigation. 
Ensuring compliance with FCRA and CFPA requirements moving forward. 

If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

I look forward to your prompt response. Please contact me at XXXX for further communication. 

Sincerely, 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am reaching out to formally report that I am a data breach victim and have discovered fraudulent accounts on my credit report that I did not authorize or open. These accounts are erroneous and do not belong to me. On my credit report, the payments are all bad from the first month. XXXX {$3300.00}, XXXX {$2000.00}, XXXX {$1800.00}. According to 15 USC 1681c-2 ( a ), I kindly request that all accounts associated with this fraudulent activity be immediately blocked and deleted from my credit file. For your reference, I have attached supporting documentation. Please confirm once these accounts have been removed and provide me with an updated copy of my credit report. Should you require any additional information, please contact me at XXXX or by replying to this email. 

Thank you for your prompt assistance in resolving this matter.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My Coinbase wallet was hacked for over {$1000.00} at the time. I want my crypto back. I contacted Coinbase at the time and they said too bad all you can do is create a new wallet and buy more crypto. I uploaded a screenshot of the amount and date of the hack.

Company response to consumer: Closed with explanation