vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: OH

Complaint narrative:
XXXX XXXX engaged in unlawful and deceptive financial practices that resulted in significant credit damage. XXXX : 1. Misrepresented itself as a credit-building service while failing to extend any actual credit ( TILA 1605, UCC 3-104 ).

2. Failed to disclose the risk of negative reporting, m
isleading consumers ( TILA 1666, FDCPA 1692e, CFPA 5536 ( a ) ).

3. Settled an account unilaterally without notice or consent, violating disclosure laws ( TILA 1666, FDCPA 1692f ).

4. Reported a " sales contract '' with no financial transaction, violating FCRA 1681s-2 ( a ).

5. Altered credit reporting post-dispute ( removing balances but keeping negative marks ), proving its own reporting was inaccurate. 


Financial Harm : Due to a thin credit profile, XXXX false reporting had an outsized negative impact on my financial standing. 

Credit loss, increased loan rejections, and inability to access financing. 

XXXX unauthorized reporting and inability to substantiate financial consideration constitute a significant breach of consumer protection regulations. Their actions violate multiple federal consumer protection laws, necessitating CFPB enforcement.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Loans and accounts were opened that weren't of my doing. A vehicle loan in XXXX. I live in XXXX XXXX. Loan attempts made in my name. Some sort of lease created in my name. It's ridiculous.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Credit Karma deleted my account and effectively removed all forms of contact information to resolve issue. Called a researched hotline phone number and it briefly states " number has changed please go to website for new number ''. A " new '' number does not exist on the website. I had bank accounts, credit card accounts, etc linked to the credit karma account and important personal information stored their with no recourse for recovery or confirmation directives to delete bank account information, links, etc from their servers. Deeply alarmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I made a transfer from a XXXX  checking account to an XXXX  cd, however a pending transaction took my balance below the amount i requested to transfer. the transaction didnt go through, then i funded the cd from my XXXX  savings account. then another automatic transfer attempt was made from the XXXX  account to the already funded cd in the amt of {$1200.00}, that XXXX  says they never received and XXXX  is saying they sent it to XXXX. Upon requesting information from both banks as to where the funds are and why they haven't been returned to my XXXX  account since the transfer to the CD was denied due to it already being funded I've received the following. XXXX XXXX  is saying that they've not received anything and I need to contact chase. XXXX is saying that the amount of XXXX was debited by XXXX XXXX XXXX and is need to contact them. XXXX has given me the ach tracking number of XXXX. When I called XXXX  and gave them this number I was told they did not execute this ach payment and that it was actually a company called fiserve. I've been unable to get in contact with the ach department there despite leaving multiple messages on an automated line where they say they'll get back to you. It's been months with no resolution. They've not contacted me after repeated calls

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 2025-02-09 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I was sent a letter informing they were lowering my credit line on my paypal mastercard for a list of false reasons They claimed I have a XXXX  r account, i do not, they claim i have had returned bank payments on my PayPal and I absolutely do not. There was an issue with a payment to XXXX that a rep returned without my authorization after I asked for the payment method to be changed. The representative spotted the error and corrected it the same day after she read the chat and saw what the paypal rep did and apologized for the error. 
They claim the balances on other cards are too high, they are not and I can provide a copy of what my balances are to my credit limits. 
I was a target of their risk reduction and I've never been at risk of being in default. 
They use transunion, a CRA known for inaccurate and outdated information. 
At this point I'd like to file a lawsuit against synchrony bank for the damage they are doing to my credit without warrant. 
They should not be able to harm consumers on a hunch, especially if they've been proven wrong before. They have don'e this to me before a year ago on my Amazon store card and my XXXX master card stating the use of their sound scoring systems prediction that i would default ... ..only that sound system failed them because none of those accounts ever went into deafault nor were at risk of being in default and always paid on time every time. 
I have not 1 missed payment.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
on XX/XX/year> i mailed a letter stating that there was inaccurate information being reported an my consumer report, an i wont the company to update it with new information delete all old information 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) have 30 days to investigate and respond to a consumer dispute. Its been over 35 days an still has not got a response back

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 2025-02-09 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:
This credit bureau 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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian '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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received my XXXX XXXX credit card statement, it read {$390.00} balance. So I made a {$150.00} ; payment, because I had damage to my home because of the California windstrom on XX/XX/XXXX. I couldn't pay the minimum payment of XXXX. The charged me XXXX fees. There business practice are not right. They are not considering any assistance for my hardship. They continue to impose very high fees. Please help me to review there business practices to the 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 explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ) and XX/XX/XXXX ( CFPB Complaint XXXX XXXXXXXX ), I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit ( FTC Report Numbers : XXXX, XXXX, XXXX, and XXXX ), proof of address, social, and a government-issued ID. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Experian 's failure to uphold consumer protections 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 2025-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding an account that I have with them. I am seeking documentation to verify key details of the account.

Specifically, I request the following documents and details related to the account in question : Account balance : The current balance owed, including any interest or fees added to the account.

Collection purchased date : The date the account was charged off, if applicable.

Payment history : A complete record of all payments made on the account, including amounts, dates, and whether they were applied toward principal, interest, or fees.

Account statements : Any relevant statements from the time the account was opened through its closure or charge-off date.

Documentation of any modifications to the account : Including any settlement or payment arrangements that may have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS , LLC The collection agency is reporting a debt that is not mine. I have been a victim of identity theft, and this account is not me account. I have contacted the collection agency, and they remove the debt and they put it back. This account is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I am reaching out for the 2ND time to CFBP & FTC I don't know what else to do but keep fighting. There is no one else to reach out to that would have the authority to hold the credit burred accountable for continually violating my American Consumer Rights over and over. Please make them do the right thing and REMOVE THIS ACCOUNTS. I have attached all documents including how they are violation multiple of the Consumer Finance Protection Bureau law and my right. I have provided evidence for a prompt response. Thank you DO NOT CLOSE COMPLAINT WITHOUT COMPLETE RESOLVE

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was trying to dispute a transaction with cash app and instead of. Them investigating or handling the dispute they just basically took my money and closed my account no warning no info just case closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I found out my account was frozen and going to be closed. I call CITI banks customer service and was denied access to any information regarding my account and the freeze. I went into two different branches and both declined my request to withdrawal my funds and refused to disclose the reason for the freeze. They told me Id have to wait up to 60days for my funds to be returned to me via mail. I did absolutely nothing wrong and only made my normal monthly deposits. Research has showed me theyve done this to multiple people. I feel it should be illegal to withhold my entire hard earned money from me for up to two months I need it to live

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 2025-02-09 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: GA

Complaint narrative:
Experian, XXXX and XXXX, herein referred to as CRA 's are required by law to properly investigate and correct any inaccurate information on a person 's credit report. However, the CRA 's have not fulfilled this legal obligation under the Fair Credit Reporting Act ( FCRA ). They have failed to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ), a government agency that oversees consumer protection laws, has filed multiple lawsuits against the CRA 's for violating previous agreements with the CFPB in relation to failure to ensure accurate credit reporting for tenants and has not adequately notified consumers about the outcomes of their disputes. 

These failures align with my personal experience. Despite providing evidence to support my disputes, the CRA 's have neither corrected nor removed the disputed items from my credit report. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action from the CRA 's to remove or amend the disputed accounts from 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 non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Experian, XXXX and XXXX, herein referred to as CRA 's are required by law to properly investigate and correct any inaccurate information on a person 's credit report. However, the CRA 's have not fulfilled this legal obligation under the Fair Credit Reporting Act ( FCRA ). They have failed to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ), a government agency that oversees consumer protection laws, has filed multiple lawsuits against the CRA 's for violating previous agreements with the CFPB in relation to failure to ensure accurate credit reporting for tenants and has not adequately notified consumers about the outcomes of their disputes. 

These failures align with my personal experience. Despite providing evidence to support my disputes, the CRA 's have neither corrected nor removed the disputed items from my credit report. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action from the CRA 's to remove or amend the disputed accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: SC

Complaint narrative:
I have tried disputing this account several times with the credit bureaus and they have ignored my claim and proof that this account is inaccurate and violating my rights. This is my final attempt to have XXXX cooperate before proceeding with legal action.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried disputing this account several times with the credit bureaus and they have ignored my claim and proof that this account is inaccurate and violating my rights. This is my final attempt to have XXXX cooperate before proceeding with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MD

Complaint narrative:
XXXX XXXX ( XXXX ), ( XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Dept Of EDXXXX {$2700.00} Dept Of ED-XXXX {$2200.00} Dept Of EDXXXX XXXX {$6300.00} XXXX XXXXXXXX {$700.00} XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief