vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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 t 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 credit. 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, thank you for your assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Transunion via USPS certified mail tracking # XXXX to address inaccurate items on my credit report. Along with this letter, I provided documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent utility bill with my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : -Details on how the disputed item was verified. 
-The date when Transunion contacted the creditor and furnisher. 
-Contact information for the creditor and furnisher. 
-The name of the individual who verified the item. 
-The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
-Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
I received a response from Transunion dated XX/XX/XXXX with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is wholly unacceptable and constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, Transunion is legally obligated to conduct a reasonable reinvestigation of any disputed items in a consumers file. By refusing to investigate my dispute, despite receiving clear verification documents and a detailed requestTransunion has failed to fulfill its statutory obligations. 
To support my claim, I have attached a copy of my original dispute letter and Transunions response.

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 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX I deposited a tax refund check of the amount of {$3600.00} that I received through the mail by the United States Department of Treasury ( IRS ) to my Citi Bank Savings Account. 

On Thursday, XX/XX/XXXX, when I attempted to login to my account, I was unable to view my account via Citi mobile and when I attempted to use my debit card it declined. I called the bank on Thursday and they said that my account was flagged because I deposited this check. I verified with them my identity, where the check came from, who it came from, and that I received it by mail. I also pointed out that it is a Tex refund check which all of that information is found on the image of the check. They said it will take 24-48hours for them to review my account. I decided to called them on Monday, passed the 48 hours mark and I called the bank was informed that Citi said that my account status is on foreclosure because I violated their term. I was only notified because I called. No email or text alert did I receive with this update. 

They said it will take 30 to 60 days for the process to be complete. However they are withholding all of my funds including the money that I already had in the account ( about XXXX ) prior to depositing this check. I have no access to the account and am unable to pay any bills. 

Unfortunately for me, it is challenging for me to verify with the IRS if they have cleared the check from their end since it will about 6 weeks or longer just to verify. 

However withholding my funds, even money that was already in my checking and savings account prior to me depositing this check is unethical with no real verification or proof that I committed fraud.

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 2025-01-27 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service unfair, practical. Which violates customer consumer financial protection act. ( CFPA ) specifically. Cash app failed to take timely and effective measures to prevent an address fraud on there platform leaving my account vulnerable and unprotected. Further more there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund act ( EFTA ) and regulation E. these actions have called significant. inconvenience and financial loss. and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I am writing to file a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 48 hours or less than 30 days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experian 's actions has also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take immediate action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Reported accounts : XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
Monday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, NC, [ XXXX ] Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Accounts name and numbers listed below : NAME : SXXXX XXXX XXXX  ACCT : XXXX NAME : XXXX XXXX XXXX XXXX ACCT XXXX XXXX NAME : XXXX CARD ACCT : XXXX I have previously disputed these accounts stating : 15 USC 1681e ( b ) ; Experian has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 ; Experian has continued to report inaccurate information after I provided notice to disputes.

15 USC 1681i ( 5 ) ; Experian has reinvestigated and reinserted disputed items without notifying me, as required by law.

15 USC 1681c ( c ) ; Experian has reported obsolete information that should have been excluded from my credit report. 

Recently, I have become aware of the lawsuit filed by the CFPB against Experian on XX/XX/XXXX titled CFPB Sues Experian for Sham Investigations of Credit Report Errors. According to the CFPB, Experain has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues Ive been facing. 

Experians failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, housing and business funding opportunities. 

Please mail me the PROOF of your investigation not through your online portal, who was spoken to, time, date, location, and proof of the negative payment status for this account, or update these payments to ON TIME PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and changed to PAID AS AGREED my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am writing to address a serious issue regarding the reporting of fraudulent information related to my account on my credit report. I previously sent certified mail requesting verification and validation of this account ; however, I have not received any response or documentation from your agency. I am now formally requesting clarification regarding the ownership of this account, as it appears to be pursued under different names, moving from primary ownership to trust and now to Sunrise. This raises significant concerns about the legitimacy of your collection efforts and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I also request validation and a detailed description of the procedures used in your investigations along the documents completed after the investigation. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to send me this documentation within 15 days. If you are unable to provide the necessary verification, I expect the account to be deleted from my credit report. I urge you to address this matter as soon as possible and look forward to your prompt response.

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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am the victim of identity theft. I followed Midland Credit Management 's steps of dispute, and they still refuse to acknowledge the theft. As per their dispute letter, I mailed Midland Credit Management a police report, FTC report, a notarized ID theft report signed by a XXXX  XXXX, as well as a letter. I sent it XX/XX/year>2025, and tracking information showed me it arrived to them XX/XX/year>2025 at the address they provided. Recently, on XX/XX/year>2025, I received another separate notice of dispute, with them stating that they still believe their records are accurate to their knowledge. They did not release all that I have asked for the account. I have reason to believe the address they gave me may not be legitimate or they have not properly reviewed the updated documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Above Lending, Inc.
State: AL

Complaint narrative:
XXXX calls monthly/weekly asking for payment of {$670.00}. Payments were made previously to XXXX XXXX beginning XXXX monthly in the amount of {$670.00} ending XXXX. Total amount paid {$22000.00}. Power of Attorney granted to XXXX XXXX XXXX. XXXX XXXX will not provide any information stated the business affiliation with XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I started sending in disputes to Transunion, XXXX and XXXX in XXXX that the XXXX account for the vehicle was NOT charged off and it is NOT closed. I have been making on time monthly payments all XXXX-current. The credit bureaus are still showing the account as closed/ charged off and last payment as well as balance information is NOT up to date. I have proof of all on time payments as well as that the vehicle is almost paid off and still currently open with XXXX XXXX XXXX as of 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I started sending in disputes to XXXX, Equifax and XXXX in XXXX that the XXXX account for the vehicle was NOT charged off and it is NOT closed. I have been making on time monthly payments all XXXX. The credit bureaus are still showing the account as closed/ charged off and last payment as well as balance information is NOT up to date. I have proof of all on time payments as well as that the vehicle is almost paid off and still currently open with XXXX XXXX XXXX as of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 procedure 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 ( 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 procedure was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Upon using my card with wrong ccv Truist froze my account not just my card and would not help me. I had to pay my truck by XXXX to avoid repo with my cash in account and they would not give me a clear answer on when the freeze would lift. On the interent it seems this is a common issue with truist holding you money!

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 2025-01-27 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This company is continually furnishing my consumer report with falsified information, to which they have not verified according to federal statute. They have consistently and maliciously targeted me and are currently violating my rights to privacy, as they are slandering me in the public by use of my consumer credit report ( s ). They have not proved to have loaned me money and have not verified their claim of having done so. Yet they are slandering me publicly, causing me injury and damage, as Ive been unable to obtain use of my credit through their fraudulent business practices. They have conspired with others to violate my rights. They have violated interstate commerce and have broken federal laws to profit and gain from the illegal use of my private information.

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 2025-01-27 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation