vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash App kept my funds money on XX/XX/XXXX ( my XXXX accounts were link but no longer ) .There was fraud on my account back in XXXX XXXX which my bank took care of. 
My bank reverse the charges after the investigation and cash app took the money out of the bank account a second time. I had to close that card and reopen another. The amount was {$100.00}. Of course the bank did not refund a XXXX time! 
My bank and myself tried to reach them there is no customer service number the offer a chat service but no one is ever online you have to send emails with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a letter from this company stating there a debt collector when i disputed they claim there a lawyer so the letter they sent is a violation of the fdcpa for false representation VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX : Account numbers XXXX,, XXXX XXXX last XXXX ss # XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Forward flow agreement 7. Insurance claim with a wet signature Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX allegedly sold the debt to XXXX XXXX. XXXX is trying to collect on a debt was ruled illegal and continues to get payments on a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The Synchrony Bank website says customers can earn XXXX XXXX interest on high yield savings accounts with balances of {$0.00} to {$4900.00}. I had several such accounts and XXXX with a balance under {$15.00} showed an interest rate under XXXX XXXX it showed XXXX XXXX on the most recent statement. I called the bank on XXXX XXXX and asked why this happened, and no one could give me a clear answer. I asked what the minimum balance should be to earn XXXX XXXX, and they could not tell me an exact number. They suggested {$100.00}, but that is over the {$0.00} shown on the website. I was on the phone with them at least XXXX minutes, and no one could figure it out. The XXXX statement also showed a low balance but the account still earned over 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Experian for XXXX to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), and reporting misleading information that has damaged my credit. 

Failure to Conduct a Proper Investigation I submitted a dispute to Experian regarding an inaccurate account on my credit report. 
Experian illegally refused to investigate my dispute unless I provided a police report, which is not required under the FCRA for a standard dispute. 
Under FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable investigation within 30 days and provide a method of verification ( MOV ) upon request. They failed to do so. 
Failure to XXXX XXXX XXXX Experian did not provide me with any legally binding proof that I am responsible for the disputed account. 
They refused to produce any signed contract or original documentation, violating FCRA 611 ( a ) ( 5 ) ( A ), which requires them to delete information if it can not be verified. 
Misleading and XXXX XXXX XXXX I continue to receive electronic messages stating that a closed and charged-off credit card is over its maximum limit. 
This misleading alert, sent to XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, and Experian XXXX XXXX, falsely inflates my credit utilization, which damages my FICO Score.

Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), Experian must ensure maximum possible accuracy in reporting, yet they continue to report misleading information.

Unfair Stall Tactics I live outside the U.S., making it difficult to file a police report, which Experian knows. 
Experian is using this as a deliberate stall tactic to avoid correcting the errors in my credit report, violating my rights 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 2025-02-01 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: OR

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Subject : Dispute of Duplicate Hard Inquiries on Credit Report by Navy Federal Credit Union Dear Consumer Financial Protection Bureau Representative, I am writing to formally dispute XXXX identical hard inquiries by Navy Federal Credit Union, which appeared on my credit report on XX/XX/2024. Both inquiries were conducted on the same day, for the same purpose, and by the same creditor. These duplicate inquiries have negatively impacted my credit score unfairly, and I am requesting the removal of the redundant inquiry. 

Issue at Hand Upon reviewing my credit report, I noticed that Navy Federal Credit Union performed XXXX separate hard inquiries on XX/XX/2024 in relation to a single application for credit card, or other financial product. However, industry standards and consumer protection laws dictate that duplicate inquiries made for the same purpose on the same day should be treated as a single inquiry.

Applicable Laws & Consumer Rights 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) The FCRA mandates that information on a consumers credit report must be accurate, complete, and fair. The presence of duplicate inquiries artificially inflates the number of hard inquiries on my report, negatively affecting my credit score in a manner that is neither accurate nor fair.

2. Regulation V ( 12 C.F.R. 1022 ) Under this regulation, consumer reporting agencies are required to investigate disputes regarding inaccurate information and remove incorrect, duplicate, or unverifiable records. 
3. Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX scoring models, including FICO and VantageScore , recognize that multiple inquiries made by the same lender on the same day for the same purpose should be consolidated into a single inquiry. However, this duplicate entry has not been treated accordingly.

Request for Action I am formally requesting : 1. A thorough investigation into these duplicate hard inquiries. 
2. The removal of the redundant inquiry from my credit report.

3. Written confirmation of the resolution of this dispute and an updated copy of my credit report reflecting the correction. 

Supporting Documentation I have attached copies of my credit report highlighting the duplicate inquiries for reference. If additional information is required, please contact me at XXXX or XXXX Thank you for your time and attention to this matter. I trust that the CFPB will take the necessary steps to ensure fair and accurate reporting. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recovery Associates call stating they are debt collectors. I ask them to verify to debt with the original documents and payment history. XXXX the supervisor told me he couldnt verify the debt. The bought the account and dont have the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
XXXX different accounts thru american XXXX showing up on credit report been fighting this for years to remove even sent in police report of Identity theft no results with XXXX of removal all XXXX accounts with them in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner harasses me by calling my cell phone three to four times a day. I have asked for a bill and they claim to be paperless, but they send letters requesting that I call them. They send me emails, but do not include my payment amounts, due dates, or payoff information. They are a predatory lender and four phone calls a day is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Ive been a customer since 2009 and Ive assessed so many fees. Ive reached out numerous times and no one seems to care or help. I know I have enough money in my account to cover my expenses and more fees keep coming. My account was frozen by Wells Fargo and my identity was stolen all in the same time period! I ask for team escalation and supervisor assistance but theyre not helpful. I get the rude representatives who say we dont waive fees anymore because how we know youre not lying or fraudulent. I was speechless!!

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 2025-02-01 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: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 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 a 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 to any 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 explanation
Consumer complaint received 2025-02-01 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 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 a 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 to any 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 2025-02-01 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: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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