vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding unauthorized transactions on my Navy Federal Credit Union business account. On XX/XX/year>, two fraudulent transactions were processed on my account : one for {$260.00} and another for {$220.00}. These charges were the result of fraud and potential identity theft, possibly stemming from card skimming. 

Upon discovering the unauthorized charges, I immediately filed a dispute with Navy Federal Credit Union, as I believe these transactions fall under their XXXX Liability policy, which promises reimbursement for unauthorized transactions. Unfortunately, despite my efforts, Navy Federal has not resolved the issue, nor have they replenished the disputed funds to my account.

The delay in resolving this matter has caused significant financial hardship, as the account has now been severely overdrafted. The lack of action on Navy Federal 's part has left my business unable to access the funds necessary for its operations. 

I am requesting the CFPB 's assistance in resolving this matter and ensuring that Navy Federal Credit Union adheres to its XXXX Liability policy by reimbursing the fraudulent charges promptly. 

Please feel free to contact me for additional details or documentation regarding this issue. I appreciate your time and attention to this matter and look forward to your assistance in reaching a fair resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
In XX/XX/year>, and XX/XX/year> I use Zell numerous times and the Zelle I sent XXXX to XXXX people and those people didnt receive their money. It took days for them to actually receive money and I had to continue to resend it its been a constant problem from day one and Zell is the only means of transportation for my money for the work that I do so I have to just basically accept these flaws and continue to use Zelle on a daily basis so You know this is actually costing me money it is holding up my process of payment, my process of paying my guys now Im having problems or I cant even send Zelle payment and I just wish that this was resolved and I didnt have to deal with this because Zelle is great and wonderful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX Filing # : XXXX Subject : DEMAND for Immediate Removal of Charge-Off Accounts and Bankruptcy Reporting Complaint Details : I am filing this complaint regarding the unlawful and inaccurate reporting of charge-off accounts and bankruptcy on my credit reports. These actions are in direct violation of consumer protection laws and IRS regulations, and they infringe upon my rights as a consumer and a secured party. 

Charge-Off Accounts : Under IRS regulations XXXX charge-off amounts are classified as income and not as outstanding debt. Reporting these accounts on my credit report is deceptive, misleading, and a blatant violation of the Fair Credit Reporting Act ( FCRA ). Once a debt is charged off and reported as income for tax purposes, it is considered satisfied. Continuing to report these accounts as derogatory entries on my credit report is illegal and has caused undue harm to my financial standing. 

Bankruptcy Reporting : I did not provide consent for any bankruptcy to be reported on my credit report. This reporting constitutes a violation of my rights under consumer protection laws. The unauthorized reporting of this information is defamatory and damaging to my financial reputation. 

Resolution Demanded : To resolve this matter, I demand the following actions : Immediate and permanent removal of all charge-off accounts from my credit report. These accounts are improperly reported as debts when they are considered income by the IRS.

Immediate and permanent removal of any bankruptcy information reported without my explicit consent.

Written confirmation from the credit reporting agencies and the creditors involved that my credit reports have been corrected and brought into full compliance with the law. 
Failure to address these issues promptly and in compliance with the law will leave me no choice but to escalate this matter further. I will file additional complaints with the Federal Trade Commission ( FTC ), state attorneys general, and other regulatory bodies, and pursue legal action if necessary. 

This matter requires your immediate attention. I expect a full response and resolution within 30 DAYS Thank you for addressing this serious issue promptly and ensuring compliance with all applicable laws. 

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 2025-01-22 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-22 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not met its legal duty under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues like not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These issues mirror 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 explanation
Consumer complaint received 2025-01-22 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.

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 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have purchase an item online paying with Direct Deposit from my bank ( XXXX ) to a Citibank branch in XXXX XXXX, TX. 
I never received the item and contacted police and it was concluded that was a scam. 
My bank XXXX XXXX contacted Citibank to stop the transaction. I had provided the police report, account and routing number, name, etc of the scammer. Citibank notified XXXX that the claim was close and they were not going to stop the money going into the account I sent it to. 
XXXX XXXX claim : XXXX / XXXX XXXX TX police report : 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/year>, I opened a checking account, online, with Truist. They were offering a {$400.00} bonus, terms and conditions applied. I Used my XXXX account to initially fund the account and immediately requested my employer to deposit {$500.00} each paycheck into the new Truist account through ACH deposit. The account was set up online, I received confirmation and logged onto the account with the phone app. I checked the account throughout the weekend to confirm funding. Funding never happened. On Tuesday, XX/XX/year>, Monday was a banking holiday, I logged on to find I was blocked. I went downstairs to the bank in person to find out what was going on. I was told they would not be able to help me because XXXX XXXX XXXX flagged my account and Truist made the decision to close my account. I contacted XXXX XXXX XXXX to obtain a report. In the meantime, I contacted a Truist customer service number and spoke to several departments finally speaking with XXXX XXXX. XXXX XXXX told me once I received the report from XXXX XXXX XXXX, she would have a department review it and I could dispute whatever might have been reported as derogatory. XXXX XXXX told me that another financial institute had reported something bad on me. XXXX XXXX then went on vacation and did not call me back. Next I spoke with XXXX XXXX. I told him to review it because I has nothing derogatory on it at all. I also told him I contacted XXXX and pulled my report that also had nothing derogatory on it. I sent the report received to him explaining what happened and he said he would place it with a department to review and would get back with me. He never did. Then I received a standard pad letter like the one I received before saying nothing specific but that Truist declined to open an account. It then took more than a month to receive my {$50.00} initial finding Money and {$500.00} ACH deposit back. With XXXX interest. I have XXXX reports now that have XXXX derogatory remarks but now have a checking account that was closed by the bank withth no explanation. I believe this was very discriminatory and I would like answers. I have XXXX trust in the financial services industry now that I know that XXXX XXXX XXXX is owned by XXXX of the largest banks in the US including, Truist.

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX I am writing to formally dispute inaccurate and unverifiable information on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of the following : Hard inquiries for which no credit or service was extended : XXXX  Basis for Dispute 1. Hard Inquiries Under the FCRA ( 604 ), consumer reporting agencies are permitted to include hard inquiries only if they meet a permissible purpose. Since these inquiries did not result in the extension of credit, they lack a legitimate basis to remain on my report. The Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action against XXXX underscores the need for compliance in verifying the legitimacy and purpose of information furnished on consumer reports.

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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
Subject : Failure to Comply with Debt Dispute Laws and Identity Theft Resolution I am filing this complaint regarding an unresolved fraudulent account reported by [ Creditor/Collector Name ]. Previously, I filed a complaint with the CFPB requesting deletion of the account, as it was not opened by me and constitutes identity theft. Instead, the creditor/collector agreed to close the account and cease collection attempts, but the account remains on my credit report, adversely affecting my creditworthiness.

This situation represents a clear case of willful noncompliance with federal laws, including but not limited to : Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : Failure to provide original purchase agreements, terms, proof of debt ownership, or evidence of authorization to collect.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Furnishing inaccurate information and failing to remove disputed data.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Allowing unauthorized use of my stolen personal information.

Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : Engaging in unfair, deceptive, or abusive practices by misrepresenting resolution terms. 

By agreeing to close the account, I reasonably assumed this meant deletion from my credit report. The continued reporting of this account represents deceptive conduct and a violation of the terms communicated to me. 

This fraudulent and unresolved account is causing ongoing harm to my financial standing, including a negative impact on my credit score and creditworthiness. As such, I am seeking : 1. Immediate deletion of this account from all credit reporting agencies.

2. {$1000.00} in compensation under the Fair Credit Reporting Act ( 15 U.S.C. 1681n ) for willful noncompliance, misrepresentation, and failure to act in good faith.

I demand immediate action and request that the CFPB hold this entity accountable for these unethical practices.

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 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
I submitted an XXXX Plan Request to MOHELA on XXXX asking to have my payments recalculated in light of my XXXX  federal tax return. On the form, I authorized MOHELA to access my financial information from the IRS. 

I received a letter from MOHELA dated XXXX. The letter did not acknowledge my XXXX  Plan Request and directed payment. 

I received a letter from MOHELA dated XXXX. The letter did not acknowledge my XXXX  Plan Request and directed p [ ayment. 

I received a letter from XXXX that was postmarked XXXX. The letter identified XXXX as the guarantor of the loans. I assume this is the start of some sort of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
SEND A DISPUTE LETTER CAME BACK VERIFIED WHAT METHOD WAS USEDIN THIS AGREEMENT DATE OPENED XX/XX/year> HIGH CREDIT {$1.00} DATE OF LAST REPORTED UPDATE XX/XX/year> BALANCE XXXX AMMOUNT PAST DUE XX/XX/year> PLACED FOR COLLECTION {$1.00} PAST DUE XXXX XX/XX/year> PLACED FOR COLLECTION {$670.00} PAST DUE {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I do not recognized this address on my credit report. Please remove from my credit report Thank you XXXX XXXX XXXX. XXXX XXXX, Oh 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 2025-01-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is the second time trying to get a hold of a customer service representative for the same issue. Their website is not helpful and the number on the card isnt either. Luckily I still have the number that helped reissue another card but they were no help ( U.S. Bank ). Couldnt transfer me to anyone or resolve my issue. Looks like the only way to report them. There is a {$120.00} fund on this card and I can not use it.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

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 charging and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
This is not my debt, I don't owe XXXX XXXX XXXX any amount. This debt continues to be reported to the credit bureau. This is the XXXX time that I have had to report this inaccurate collection to the credit bureaus.

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 2025-01-22 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation