vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: DE

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 2025-02-15 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: Kikoff Inc.
State: GA

Complaint narrative:
XX/XX/XXXX, i was thinking about using this service to boost my credit, filled out the form online but didn't submit it. XX/XX/XXXX, I contacted KIKOFF LENDING LLC, TO INFORM THEM that i never submitted my information and that, i never used the credit line, and that they have me with negative remarks, and collections, and that they need to remove this off my credit report, they agreeded to remove it. Now I have negative remarks for late payments, which i never made, and it is a writeoff which I never used or gave concent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
Noncompliance to Freeze According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) gives consumers the right to place security freezes on their credit reports : Early Warning Services , LLC, a consumer reporting agency jointly owned by XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX, refused my lawful request to place a security freeze on my consumer report. As parent companies, these banks are responsible for ensuring EWS complies with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Their failure to properly supervise EWS resulted in a violation of my rights under the below laws. I am seeking statutory damages, corrective action, and full compliance with federal law. They did not comply with my emailed request to freeze my account. They however replied with the attached pdf. 

According to Fair Credit Reporting Act ( FCRA ) Violations- Right to Security Freeze ( 15 U.S.C. 1681c-1 ( i ) ) o The FCRA gives consumers the right to place a security freeze on their credit reports to prevent unauthorized access. Failure to Provide Accurate Consumer Rights Information ( 15 U.S.C. 1681g )
- Early Warning Services LLC has provided misleading information. Consumer reporting agencies must provide accurate disclosures about your rights.

According to Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6809 ) Early Warning Services is refusing to protect my private data Unfair or Deceptive Practices ( FTC Act - 15 U.S.C. 45 ) The Federal Trade Commission ( FTC ) prohibits unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On or around towards the end of XXXX, I was riding the bus home and the bus was almost at full capacity and all seats were taken. I had to stand along with other people, holding on. When I got home, my wallet was not in any of my pockets. I went to the bus station the next day to see if someone turned it in to the lost and found, but nothing was turned in. I panicked. Now I am a victim of identity theft.

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 2025-02-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-15 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: MT

Complaint narrative:
I submitted a dispute for XXXX XXXX XXXX XXXX XXXX XXXX  ) with XXXX XXXX account number XXXX. I informed them this was an ILLEGAL XXXX XXXX and that XXXX  capped rates at 36 %, the loan could be no more than XXXX and the term 31 days. I had paid over XXXX on a XXXX loan and still owed more than XXXX and the interest rate was over 270 %. This is illegal and they are hiding behind XXXX XXXX. I gave them the lending agreement showing the illegal interest rate as well as documentation taht I had already paid teh loan but it showed I owed XXXX. They refuse to remove it from my report when it is a ) an illegal tribal loan. b ) illegal interest rate and c ) hiding behind XXXX XXXX XXXX  when it is actaully a XXXX XXXX with a 270 % interest rate.

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 2025-02-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
Debt was originally in 2016. It has been 9 years and shouldve been removed 2 years ago. debt continues to be sold and resetting timer on debt. Company debt is for isnt even a company anymore as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
I reported accounts on my credit that are not supposed to be on my 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 2025-02-15 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was in good standing for years with ALL my credit card companies, but then the three letter agencies put a ban on my online and social media accounts... 
This resulted in my XXXX XXXX XXXX XXXX to be shut down, they were XXXX XXXX, because of this I lost my ability to advertise, thus my business and church were shut down... 
I wrote to ALL but one of my credit card companies requesting a 6-month break in payments to find other methods of funding...

Furthermore, I told them if they gave me that break, I would after the 6-month break pay them payments until repaid in full... 
I also told them if they attack my credit score, they would NEVER get paid at all... 
They ALL attacked my credit score, it went from XXXX?? to current XXXX... 
I was summoned to court by a lawyer, whom I've never met, from a corporation I don't know for an amount almost double the credit limit on the card that matched the last four numbers... 
I found the original credit card corporation sold my account to a third party, and they hired the lawyer... 
As I have no contract with either of these corporations, they are committing many types of fraud : bank, mail, securities, etc... 
I wrote, emailed and faxed the three credit score agencies requesting them to send me the metadata showing the change in credit score over time, " XXXX '' XXXX from credit card corporation " XXXX '' from XXXX... 
I want this information to be fair about the amounts I plan to charge in a lawsuit, XXXX XXXX XXXX' amount per point, per corporation, per month, until the credit score is repaired... 
This has been going on for almost 2 years, I've not received any information I requested... 
Also, as I've never had a contract with the third party, how can they report to the credit score corporations??

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 2025-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nexus Nova LLC
State: FL

Complaint narrative:
My loan was just transferred to XXXX XXXX around XX/XX/year>. I had an issue with my payment increasing without notice. XXXX XXXX my payment was XXXX My loan was XXXX recently transferred again and it's another sister company Rosegate and payment issue. My payment has increased again without notice. My payment was XXXX. I went online to pay my mortgage today and the payment has increased to XXXX which is incorrect. My mortgage has increase without notice less than 12 months and there is a serious problem with payment increasing without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Data breach and corrupted, I have mortgage loan hard pulls that were never authorized, request of debt validation, chain of custody with original contract and signature which Equifax, Experian, Trans Union claim to have verified but did not share this information with me over a 60 day window yet they still report the inaccuracies verified by companies that I have a active freeze in place.. My bankruptcy was amended due to clerical mistakes and account inaccuracies and upon contacting the XXXX XXXX XXXXXXXX states my records have not been verified by any of the 3rd party affiliates which claimed the verification ever occurred I have made several attempts at disputing these items which are public record to which my information was 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 non-monetary relief
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
bject : Request for Removal of All Items Due to CFPB Lawsuit and Data Breach To Whom It May Concern, I am writing to formally request the removal of all negative and inaccurate items from my Experian credit report due to the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) and Experians recent data breaches. Given the serious allegations regarding improper credit reporting practices and the exposure of consumers personal data, I believe my credit file has been compromised and may contain erroneous or unverifiable information.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any item on my credit report that can not be verified as accurate and lawfully reported. In light of the CFPB lawsuit and data breach, I demand that Experian : 1. Immediately remove all negative and disputed accounts that may have been affected by inaccurate reporting or unauthorized data exposure.

2. Conduct a thorough reinvestigation of my credit report to ensure that all listed accounts are fully compliant with federal regulations. 
3. Provide written confirmation of the actions taken regarding this request within 30 days of receipt of this letter.

Failure to comply with my request may result in further action, including filing a complaint with the CFPB and pursuing legal remedies. I expect Experian to uphold its obligations under the FCRA and ensure my credit profile is free from errors caused by negligence or data mishandling.

Please consider this letter as my formal dispute and removal request. I have enclosed a copy of my identification ( such as a drivers license or utility bill ) to verify my identity. I appreciate your prompt attention to this matter and look forward to your confirmation of REMOVAL

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 2025-02-15 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding 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 2025-02-15 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating my account is accurate without providing any evidence of a thorough investigation. This violate the FCRA. They also contravene the CFPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I noticed a fraudulent inquiry on my credit report. Someone stole my information and has been trying to open up credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
My name is XXXX, I'm reaching out to request for assistance in matters pertaining apartment lease. 
At about the beginning of 2021, I was going back to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My mom and my grandma were trying to get a place for me. They happened to find this apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. Apparently they applied but we never got qualified. The requested we find a guarantor or else we would not qualify. unfortunately, were were not successful in getting a guarantor. For that reason we were disqualified. All this was carried out by my grandma. It was almost 2 years later i found out through my credit report that this complex had sent my information to a debt collector. I immediately contacted all the XXXX credit bureau to dispute it. XXXX of the credit bureau removed it. i kept disputing with the one that rejected the dispute, unfortunately it's been unsuccessful. 
This year i checked my credit again and found out that the debt collector posted this information on XXXX credit bureau. I have been very frustrated because it's damaging my credit. I'm subject to unfair treatment on something that was not in my control. I have tried everything until I decided to reach for this agency to help me out. I think this is crazy to be asked to pay almost XXXX for a place i never lived in while trying to pursue my education. 
I would like them to remove this information and clear my name because its pure absurd. 
Thanks and Hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX : XXXX, has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report 7 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 accurate.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
charge off of XXXX on auto loan still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 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 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