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: TX

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 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
THE DEALER COMMIT FRAUD AND MISREPRESENT BY SOLD ME A DEFECTIVE PIECE OF XXXX BY HIDING AND RESET THE CAR COMPUTER WHICH SHOWED UP THE SECOND DAY OF PURCHASE. UNABLE TO PAY LOAN OFF FOR JUNK CAR! 
I want to share my bad experience I became a victim of fraud. They misrepresented and sell me a defective piece of junk by remove and reset the fault code pop up in the dashboard. These faults popped up the second day after purchased ( Throttle body fault and car doesn't go above XXXX miles per hour, oil light popping up on and off with disturbing bell sound keep running, ) these faults hides by reset the car computer. From the first day, tire showed low air pressure. They told me we will fill some air then it will be ok and I was convinced but it started appearing every day even fill up an air and the tire was busted in the middle of highway. When I called the service they replaced the tire and showed me remaining tires having nails on it. 
I left car in the dealership possesion and decided to pursue this matter into the civil court for being a victim of fraud. I returned this junk to them. I realized that these people buy cars from auctions and wholesale and there is high risk with these vehicles and once they purchase the pain in the XXXX vehicle then they play tricks to sale. I lost my deposit also because stop making payments on this car my credit is compromised.

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 monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I get repeated phone calls, about XXXX times a day. I tried to ask them to stop calling. They have not

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 2025-01-21 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MN

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 due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances, despite initially having 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: 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-21 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: OH

Complaint narrative:
I recently review a copy of my credit report and notice I had some fraudulent accounts on my report. Please removed these accounts from my report they are hurting my ability to obtain credit

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 2025-01-21 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 foward 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 I 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 consumers.

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
A subscription service I had with XXXX renewed on XX/XX/year>. They charged my American Express credit card on XX/XX/year> for this renewal subscription. I attempted to cancel the subscription with XXXX on the XXXX and XXXX based on the increased price of the service ( which they would not discount ). XXXX informed me that they would not cancel the subscription and the full amount charge would continue for the full year from the charge a few days earlier. I disputed this charge with American Express. They took weeks to investigate and ultimately have concluded that I must pay XXXX ( for a subscription that I attempted to return within a few days of the charge ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

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 bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and tracking these transactions was infeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NV

Complaint narrative:
XXXX XXXX  Today, the Consumer Financial Protection Bureau ( CFPB ) sued Experian, the nationwide consumer reporting agency, for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.

When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, said CFPB Director XXXX XXXX. Credit reporting errors can have serious consequences for a familys finances, and it is critical that credit reporting giants follow the law.

I have submitted over twelve complaints in which they came back as verified without knowledge of who verified and whom they spoke to that investigated.

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 2025-01-21 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: MD

Complaint narrative:
I am writing to you in hopes that you can assist me with proper credit reporting laws and the violations that these companies keep doing to me. Ive read where you have sued XXXX for not properly investigating and reasserting thing back onto consumers credit reports. These companies have violated my rights and are now threatening me all the while they are inaccurately reporting information on my consumer credit report. Please help me as I am facing underwriting for a home and this jeopardizes my likelihood to acquire shelter for my foster children.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
I am writing to you in hopes that you can assist me with proper credit reporting laws and the violations that these companies keep doing to me. Ive read where you have sued XXXX for not properly investigating and reasserting thing back onto consumers credit reports. These companies have violated my rights and are now threatening me all the while they are inaccurately reporting information on my consumer credit report. Please help me as I am facing underwriting for a home and this jeopardizes my likelihood to acquire shelter for my foster children.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was on Section eight housing, and the apt company I was renting from was stealing rent money sent by the housing authority. When brought to my attention I was told housing didnt send over their portion. I received late fees and notices on my door about eviction, I went down to the housing authority and my caseworker showed me in the system that they sent a check out and it was indeed cashed.The prior landlord was stealing money from tenants and thats why she is no longer with the company XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I am writing to formally revoke my prior request dated XX/XX/XXXX, regarding the blocking and deletion of the XXXX XXXX account from my credit report. Upon further review, I have determined that the account in question is not fraudulent and does not meet the criteria for removal under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Details of the Account Previously Reported : Account Holder : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2100.00} Please reinstate the account to my credit file in its original state. I understand the importance of maintaining accurate information on my credit report and wish to ensure that my file reflects truthful and up-to-date data. 
If you require additional information to process this revocation, please do not hesitate to contact me at XXXX. 
Thank you for your attention to this matter. I look forward to your confirmation of the reinstatement of the account. 
Sincerely, XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Im filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app fails 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 Regulations 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 2025-01-21 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: CA

Complaint narrative:
I am writing to formally revoke my prior request dated XX/XX/XXXX, regarding the blocking and deletion of the XXXX XXXX account from my credit report. Upon further review, I have determined that the account in question is not fraudulent and does not meet the criteria for removal under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Details of the Account Previously Reported : Account Holder : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2100.00} Please reinstate the account to my credit file in its original state. I understand the importance of maintaining accurate information on my credit report and wish to ensure that my file reflects truthful and up-to-date data. 
If you require additional information to process this revocation, please do not hesitate to contact me at XXXX. 
Thank you for your attention to this matter. I look forward to your confirmation of the reinstatement of the account. 
Sincerely, XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I am writing to formally revoke my prior request dated XX/XX/XXXX, regarding the blocking and deletion of the XXXX XXXX account from my credit report. Upon further review, I have determined that the account in question is not fraudulent and does not meet the criteria for removal under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Details of the Account Previously Reported : Account Holder : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2100.00} Please reinstate the account to my credit file in its original state. I understand the importance of maintaining accurate information on my credit report and wish to ensure that my file reflects truthful and up-to-date data. 
If you require additional information to process this revocation, please do not hesitate to contact me at XXXX. 
Thank you for your attention to this matter. I look forward to your confirmation of the reinstatement of the account. 
Sincerely, XXXX XXXX XXXX XXXX XXXX CA 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Noticed my account was restricted from withdrawing funds and from adding payment methods & external accounts to withdraw funds in XXXX. All existing external accounts also were removed from my Coinbase account. 

I went through multiple rounds of identify verification on their support page by requested documents ( drivers license ). After identify verification, the Coinbase website indicated that my account was under review. 

After a couple weeks, specifically on XX/XX/XXXX, I reached to Coinbase support on XXXX ( @ coinbase ) to inquire about my account review since I have not heard back with an update. The Coinbase customer support rep on XXXX created a ticket for me with case number XXXX. The next day on XX/XX/XXXX, I've received an email saying buy/deposit/send services remain XXXX without any additional context as to why. They also stated I can sell/receive any cryptocurrency I have on the account and withdraw funds to my existing payment methods, however all my payment methods were removed from my account from Coinbase. 

On XX/XX/XXXX, I submitted another identity verification on Coinbase to start an account review yet again. I reached out to their support page on XXXX again to create a support ticket ( case number XXXX ). They mentioned a XXXX will conduct a review. At this point, I have around {$17000.00} in my account that I am not able to access. 
On XX/XX/XXXX, I reached out again to the Coinbase support account on XXXX. They replied saying their are still investigating. 
On XX/XX/XXXX, I received an email related to my support case, asking for my current location. On XX/XX/XXXX, I replied with my location as well as some additional context on my location ( I have XXXX addresses, my primary and secondary address ). 

I have reached out to support on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each time they respond saying that I need to wait until my account has been reviewed. 

As of XX/XX/XXXX, Coinbase is allowing me to deposit funds but I am unable to withdraw any funds from my account! I still have around {$17000.00} in my account that I am unable to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Transfers being canceled or withhold, not able to detect scamming until after payments are being sent out and not being able to be refunded and no longer being able to have access to send or receive funds

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation