vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
I am filing this formal complaint against TransUnion LLC, XXXX, AND XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in investigating and correcting inaccurate information on my credit report. Despite multiple dispute requests, TransUnion has refused to properly reinvestigate, update, or remove incorrect data, violating my rights under federal law. 

Complaint Summary : Incorrect Payment Reporting and Misleading Credit Status XXXX XXXX ( Account # XXXX ) has been fully paid**, yet TransUnion continues XXXX report it as derogatory and in collections. 

FCRA Violation : USC 15 1666B A creditor may not treat a payment on a credit card as an open-ended consumer credit plan.

Requested Action : Immediate correction to reflect a positive status or full deletion of the account.

Failure to Maintain Accuracy Across Credit Bureaus The information TransUnion reports does not match my records with other credit bureaus, indicating a failure to uphold standard data accuracy.

FCRA Violation : 15 U.S. Code 1681b ( e ) ( 6 ) Lack of a joint notification system to ensure accuracy.

Requested Action : Immediate deletion of the account due to conflicting and misleading reporting.

Failure to Indicate Disputed Status The Credit bureau violates my right to have disputes acknowledged.

FCRA Violation : 15 U.S. Code 1681i ( c ) Failure to note consumer disputes in the report.

Requested Action : Proper notation of my dispute or removal of the account.

Failure to Conduct a Proper Reinvestigation The Credit Bureau has failed to provide verification of the disputed information and continues to report incorrect details.

FCRA Violation : 15 U.S. Code 1681s-2 ( b ) Failure to reinvestigate disputes as required by law.

Requested Action : If the disputed information can not be verified, it must be deleted immediately.

Reinsertion of Previously Deleted Data Without Notice The Credit Bureau reinserted inaccurate and outdated information without properly notifying me.

FCRA Violation : 15 U.S. Code 1681 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify consumers of data reinsertion.

Requested Action : Remove reinserted data and ensure compliance with reinsertion notification rules.

Legal Basis for Complaint I am aware of TransUnions, XXXX, and XXXX ongoing noncompliance. Furthermore, I am aware of recent lawsuits against the credit bureaus for similar failures to maintain accuracy and comply with FCRA regulations. Their actions amount to willful negligence and ongoing violations of consumer 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 non-monetary relief
Consumer complaint received 2025-02-11 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: AZ

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 the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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 action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NC

Complaint narrative:
I have in years past had a debit card through Navy Federal declined as an ach for being blocked or not enough money in account to make the transfer. I received a text notice in each situation. I sometimes transfer money from paypal to Navy Federal or from Navy Federal to paypal. In addition, I have used a debit card to have automated deductions made from my checking account. I also have direct deposit every 2 weeks at Navy Federal. At no time prior to XX/XX/year> complaints with this agency have I been charged {$29.00} " returned check fee '' for any declined ach. Last month I have 3 {$29.00} " returned check fees '' charge to my Navy Federal Checking account. They were charged on the same day ( XX/XX/XXXX ) as my bi-weekly direct deposit of {$1400.00} for a declined ach of {$4.00} when the previous day had a balance over {$20.00} on the XXXX and they overdrew my account with the first {$29.00} fee then continued to decline the {$4.00} ach even after my direct deposit was credited. They did this by giving these fees a " check # XXXX " and " check # XXXX '' even though I haven't written a check in 30 years and certainly not a check ever with Navy Federal. I guess since the settlement with your agency, they think its ok to charge fees first then credit your deposit and makeup check numbers to legitimize it. JUST AN FYI!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I am typing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite the use of Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: EdFinancial Services
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My payments check was direct deposit on XX/XX/year> because of wells fargo 2 early pay day. I made a mortgage payment in the amount of XXXX on XX/XX/year>. The funds came out of my account on XX/XX/year>. I was charged a overdraft fee of XXXX even though the funds were available.

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 2025-02-11 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Date : XX/XX/year> NCB Management Services , Inc.

Attn : Legal Department XXXX XXXX XXXX XXXX, PA XXXX Re : Cease and Desist from Further Contact, Harassment, and Reporting of Information Dear NCB Management Services, I am writing to formally demand that your company, NCB Management Services, immediately cease and desist all communication with me regarding any alleged debts or lawsuits, including but not limited to phone calls, letters, emails, or any other form of contact.

I am aware that your company has been harassing me with frequent and unlawful phone calls. These calls have included threats of pending lawsuits and verbal abuse, both of which are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, which prohibits harassment, and 15 U.S.C. 1692e, which prohibits false or misleading statements, including threats of legal action that have no legitimate basis.

Moreover, I have not authorized NCB Management Services to store, share, or report any of my personal information, including my name, address, phone number, date of birth, and partial Social Security number. As such, any attempt by your company to report this information to any credit bureau is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and constitutes fraudulent activity.

I have already filed a report with the Federal Trade Commission ( FTC ) regarding identity theft, naming NCB Management Services as one of the companies involved in using my information fraudulently. This constitutes an additional violation of federal law under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

As required by law, I am demanding the following : 1. Immediate cessation of all communication with me : This includes all phone calls, letters, emails, or any other form of contact. Please note that under the FDCPA, I am exercising my right to request that you cease all communication with me as per 15 U.S.C. 1692c ( c ).

2. No further reporting of my information to any credit bureaus : Your company is prohibited from reporting any inaccurate or unauthorized information related to me to any credit reporting agencies under the FCRA, 15 U.S.C. 1681 et seq.

3. Confirmation of your compliance : Within 15 days of receiving this letter, I require written confirmation that you have ceased all communication and reporting concerning my personal information.

Failure to comply with this demand will leave me with no choice but to pursue legal action for violations of the FDCPA, FCRA, and the Identity Theft and Assumption Deterrence Act. This may include seeking monetary damages, injunctive relief, and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. 
Please govern yourself accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: VA

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
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 each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation 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 forward 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 consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation 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 forward 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 consumer.

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 2025-02-11 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Act Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consume Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable reliable response, 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 actions to remove or amend disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-02-11 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

They have put on my credit report that allegedly I was late in XXXX and XXXX for XXXX of my cards and in XXXX for my other card. I would like these to be updated to PAANL ( Paid as agreed, Never late ).

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 2025-02-11 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( XXXX  ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( XXXX ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash app parentheses ( 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 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 2025-02-11 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 am writing to address an account on my credit report that is currently in pending litigation. Given this status, the account is inaccurate and should not be reflected on my credit report.

Company response to consumer: Closed with non-monetary relief