vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: AZ

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 2025-02-05 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 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 2025-02-05 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records

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 2025-02-05 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: CA

Complaint narrative:
Ive noticed that this XXXX  is not reported with the maximum possible accuracy, and this is a violation of my rights.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize this company to pull my credit, and this fraudulent inquiry is completely unacceptable. I demand immediate removal of this unauthorized inquiry 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I'm reporting FNB Pennsylvania for fraud. I deposited a check for {$2700.00} XX/XX/year>, been a non business day, my check was supposed to process and clear XX/XX/year> according to the bank policy. 

XX/XX/year> came and my check was cleared, I tried getting some money off my account and the bank wouldn't let me. I spoke with customer service and the manager of the XXXX branch the morning of the same day they told me my check would have to wait for 10 business days.

I waited and 10 business days was supposed to be due XX/XX/XXXX, XX/XX/XXXX I was at the branch and I was given a letter which I will be attaching to this complaint. My account was closed a day before my check actually " clear 's ''??? I got the check from a relative for an old debt, I called my relative and asked if his XXXX XXXX  maybe called the check back, they didn't because he actually authorised the check and sent it by billpay to me. 

FNB closed my account with my {$2700.00} in it till today without any reason other than my account was closed. I need justice as I'm living paycheck to paycheck and my rent has just been increased. The branch manager is XXXX XXXX and I spoke to her and she assured me I'd get access to my money after the 10 days hold, they lied to me and scammed me out of {$2700.00}. 

They did not give me my money, they also did not return the money to my relative. 

I am with another bank but I want justice to get my money back. I will be attaching the check and the letter I got from the bank here, thank you to everyone and anyone seeing this daylight fraud and robbery by FNB Pennsylvania XXXX branch. I advise anyone to not do any business with them ever again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: UT

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Experian, Equifax, and transunion which has engaged in unfair and/or deceptive financial practices that have negatively impacted me.

Complaint Details : Name : Equifax, Experian, TransUnion Steps Taken to Resolve the Issue : I have attempted to resolve this matter directly with Equifax, Experian, TransUnion but they 
have failed to provide a satisfactory resolution. I have : 1. Contacted their customer service on XX/XX/year>, and I was told XX/XX/year> XXXX. Sent written communication mail on XX/XX/year> but I have not received a response or an appropriate resolution. 
3. I have filed complaints with other agencies, disputing charges, or contacting legal help Desired Resolution : I am requesting that Equifax, Experian, TransUnion take the following corrective action : cancellation of charges, correction of records, deletion of any inaccurate inquiry, etc. 

I believe this companys actions violate consumer protection laws, and I request that the CFPB investigate this matter. I appreciate your prompt attention to this issue and look forward to your response. 

Thank you for your time and assistance. Please feel free to contact me at XXXX if you require any additional information. 

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
today, XX/XX/XXXX, i went to use my apple pay and seen my account was restricted. my fiance sent me {$30.00} and XXXX cant put it in my bank account or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
My name was XXXX XXXX and I legally changed my name to XXXX XXXX XXXX XXXX XXXX. The debt with XXXX XXXXXXXX XXXX XXXXXXXX Na was sold to a 3rd party Debt Collector and the Creditor can no longer collect on this debt and the Collector sold this debt to the Debt Collector and I was not notified or aware of this by the Original Creditor. I dispute this debt, I ask that this debt be deleted from my credit report. Pursuant the Fair Debt Collection Practices Act USC 1692. The Account number with the Original Creditor is # XXXX. I don't know who the Debt Collector is because I didn't agree to anything with them. I still further dispute this debt and ask that it be deleted from my Credit Report and further since I'm disputing this debt with the collection agency I no longer have to pay this debt. Pursuant to United States Code 1692. Also ask to delete debt from my credit report pursuant to UCC Article 3. I further ask the debt collections deleted pursuant to 25 U S Code 1692 ( g ) and also pursuant to 15 U S. Code 1692 ( c ) and also pursuant to 15 U.S. code 1681 ( e ) and also pursuant to U.S. code 1681 ( c ) this account is old. Thanks for your time and help and understanding on this urgent matter. Please respond back ASAP. Respectfully XXXX XXXX XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my email address is XXXX and my phone number is XXXX. Ps. The Debt Collectors Name on this Collection Account is Portfolio Recovery. It's illegal to report anything on my Credit Report without my permission please remove this negative item from my Credit Report. I further also state that this debt does not have to be paid to come off my Credit Report. UCC -2-302, 15U.S.code 1681b ( 2 ) and FCRA section 605B. I've never received the following from the Debt Collection Agency the following : 1. A copy of the Purchase Agreement of this debt., 2. A copy of the Insurance Claim of Debt from the Collection Agency., 3. Never received a copy of the XXXX with original creditor. Thanks for your time and help and understanding. Please respond back ASAP. Respectfully XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-02-05 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 2025-02-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian - Legal Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information My Credit Report Dear Experian XXXX Legal Department, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previous disputes and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being reported :

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 2025-02-05 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: MO

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred with lead to them closing my checking account. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged evidence after making and atm deposit there machine took my money {$800.00}. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. My checking account is now closed and Im not allowed to make a new checking account I only have a savings account with them now. I believe these practices are unfair and request for me to be able to open a new checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts that have been reported on my credit report. I believe these accounts may not belong to me or may be inaccurate. Please investigate these items as required by the Fair Credit Reporting Act ( FCRA ) and provide me with your findings. 

UNKNOWN ( Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Date Last Active : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Date Last Active : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX AZ ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Date Last Active : XX/XX/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 2025-02-05 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts that have been reported on my credit report. I believe these accounts may not belong to me or may be inaccurate. Please investigate these items as required by the Fair Credit Reporting Act ( FCRA ) and provide me with your findings. 

UNKNOWN ( Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Date Last Active : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Date Last Active : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX AZ ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Date Last Active : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I am requesting that you certify all the data on this account belongs to me. If you are unable to verify the accuracy of this information, I demand that you delete the entire account 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 2025-02-05 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:
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 2025-02-05 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: PA

Complaint narrative:
Dear CFPB I used Experian to file disputes and the didnt file any of them right just said the information was verified and information on there was wrong I never lived at 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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I currently bank with SoFi Bank and I recently received a refund in the form of 2 checks from the government for a student loan. I tried to deposit my refund checks {$2700.00} and {$55.00} by mobile deposit on XX/XX/year> and was told my check XXXX were fraudulent and I was in violation of member service agreement. XXXX at no point in time asked me any additional information regarding verification of my identity or validity of the checks and decided to close my account XXXX is withholding my money and has given me no response to how I can withdraw what was in my account prior to the situation at hand

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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: UT

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Experian, Equifax, and transunion which has engaged in unfair and/or deceptive financial practices that have negatively impacted me.

Complaint Details : Name : Equifax, Experian, TransUnion Steps Taken to Resolve the Issue : I have attempted to resolve this matter directly with Equifax, Experian, TransUnion but they 
have failed to provide a satisfactory resolution. I have : 1. Contacted their customer service on XX/XX/year>, and I was told XX/XX/year> XXXX. Sent written communication mail on XX/XX/year> but I have not received a response or an appropriate resolution. 
3. I have filed complaints with other agencies, disputing charges, or contacting legal help Desired Resolution : I am requesting that Equifax, Experian, TransUnion take the following corrective action : cancellation of charges, correction of records, deletion of any inaccurate inquiry, etc. 

I believe this companys actions violate consumer protection laws, and I request that the CFPB investigate this matter. I appreciate your prompt attention to this issue and look forward to your response. 

Thank you for your time and assistance. Please feel free to contact me at XXXX if you require any additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation