vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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 formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 writing 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 using 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 to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing in regard to report an inaccurate credit report entry. This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ). 

1. Dispute of Information I recently reviewed my credit report and identified the following inaccuracies reported by your company : Under the FCRA ( 15 U.S.C. 1681i ), I am requesting that you investigate this matter thoroughly and correct the inaccurate information. Please confirm, in writing, that the corrections have been made and notify all relevant credit reporting agencies ( Equifax, XXXX, and XXXX ). 

2. Request for Validation of Debt ( if applicable ) If this issue concerns a debt that you claim I owe, I am exercising my rights under the FDCPA ( 15 U.S.C. 1692g ) and formally requesting validation of the alleged debt. Please provide : XXXX card A detailed accounting of the alleged debt, including the amount, date incurred, and the basis for the obligation. 
Any signed agreements or contracts that substantiate the debt. 
3. Request for Cease and Desist ( if applicable ) Until this matter is resolved, I request that you cease all collection efforts, including calls, letters, or electronic communications. Continued attempts to collect on this disputed debt may constitute harassment under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
Upon reviewing my consumer reports, I discovered instances of late payments reported on my account with XXXX, Account Number XXXX, which I believe are inaccurate. Consumer Reporting Agencies play a critical role in maintaining the accuracy of reported information, as mandated by the Fair Credit Reporting Act ( FCRA ). It is imperative that my credit history is accurately reflected, as I have consistently upheld my financial obligations. 

I have never missed a payment on this account, this account was paid in full and closed at my request, as reflected in the comments section of the report. 

I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of this payment. If unable to furnish such proof, I demand that the inaccurate late payment entry be promptly removed from my credit file.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable information accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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, XXXXXXXX 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 2025-01-28 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable information accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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, XXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX  of whats on my credit report isnt even my debt or it is I wasnt notified of it being sold to creditors

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 2025-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a complaint with Jp Morgan Chase. I am seeking to open a XXXX & and checking account for a XXXX XXXX. 

Attempted to go into bank to get a XXXX XXXX on a XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX along with notary witness. I was advised by XXXX XXXX  customer service team that I need to go into branch for branch XXXX to assist. 

Bank manager checked with the XXXX XXXX. Manager refused to provide XXXX XXXX Stating i need to have a checking account open for a trust fund open before they can medallion stamp the form. When I attempted to open a XXXX checking account XXXX stated that the bank has refused to open trust checking account from a previous issue i reported to CFPB back in XXXX of XXXX 

Fast forward i was allowed to open a XXXX XXXX XXXXXXXX for my XXXX After I went into bank to try to get XXXX XXXX and was refused. The back office made decision to close the account with no clear reason or explaination as to why the account was being closed. When I log into XXXX XXXX. I am able to see an account XXXX is there but when calling into customer service they are telling me account is no longer active and go into branch to have them assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or releas of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name Furthermore, there are unauthonzed inquines on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

please address this matter prompty and confirm the removal of the disputed entries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I applied for an Income Driven Repayment plan in XXXX, and called Mohela shortly after to confirm that I could switch plans. They said yes, and that I should fill out a new application. I asked if I needed to call in advance to get put into administrative forbearance while they processed the new application and was told I could call any time before the first payment was due if my account did reflect forbearance or acceptance of the IDR application. 

I checked this week ( XX/XX/2025 ), over a month after the initial application was filed and a week after the follow up application, and the initial income-driven repayment application still had not processed. My account still shows that I owe the standard repayment amount on XXXX first. Nothing has. been processed in over a month. 

I called at XXXX today and was quoted a four hour wait time. I was placed on hold for over 8 hours and the call was eventually disconnected. I have no way to get in contact with the company to fix the amount due they are showing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
this is a closed account and is reporting wrong on the account. 

please verify this account, then tell me how the verification process works and what it entails. 
- tell me where is the original doc with wet signature -verify the amounts owed -what is the first date of delinquency or default any info that does not add up or is the same as my credit report is considered inaccurate. 

because of the willful negligence of these companies, I was XXXX XXXX  and XXXX XXXX and was denied credit for further taking care of my household. 

Please provide the debt connection and validation and proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
this is a closed account and is reporting wrong on the account. 

please verify this account, then tell me how the verification process works and what it entails. 
- tell me where is the original doc with wet signature -verify the amounts owed -what is the first date of delinquency or default any info that does not add up or is the same as my credit report is considered inaccurate. 

because of the willful negligence of these companies, I was harmed physical and non physically and was denied credit for further taking care of my household. 

Please provide the debt connection and validation and proof of investigation.

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 2025-01-28 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : 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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX alert. {$280.00} XXXX XXXX. I rejected authorization for this Purchases looked at, did not make XX/XX/XXXX {$100.00} and {$100.00} even purchases XXXX XXXX XXXX XXXX XXXXXXXX called by me XX/XX/XXXX and fraud reported Letter dated XX/XX/XXXX that verified that I benefitted received sometime XXXX and that I can receive copies of research. 

XX/XX/XXXX I called XXXX. Requested proof of my benefitting. Also resubmitted claim. XXXX made online. Inmate package ongoing XX/XX/XXXX XXXXXXXX XXXX call. XXXX left. I call back XXXX pm. No answer. Voicemail left by me. No return call. 

Sometime in between receive rebuttal XXXX. Photos attached of this letter. While provide proof my card information used, do not demonstrate I made this purchase. This answered no to prior question if provided evidence I benefitted. I did not authorize purchase or benefit from it. Someone who stole my information made purchase and benefitted. 

Part of XXXX letter that I had prior purchases. I had overlooked this in original report, but these purchase ALSO not from me. Called XX/XX/XXXX XXXX and added XXXX {$77.00} and {$87.00} XX/XX/XXXX purchases to fraud claim. 

XX/XX/XXXXXXXX XXXX XXXX refunded and closes. 

XX/XX/XXXX letter dated XXXX that XXXX case closed, not in my favor as I benefitted, which I argue I did not as info stole and someone else received services without my authorization. 

XX/XX/XXXX XXXX called regarding case. Told no further escalation and I could file police report. XXXX not physically stolen though or missing, information stolen online which is location less. 

I am not satisfied with response. Argument is that service delivered as card information correctly provided, but my rebuttal is that I did not get a service, did not authorize XXXX purchase, and I dont understand how XXXX XXXX  or XXXX does not question purchase more when I live states away, online location of purchase can be generally pinpointed and XXXX is not a place I visited for over 10 years. With XXXX XXXX, I believe my identity was stolen by criminals and this behooves further investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax XXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to file a formal complaint against Equifax regarding their handling of my credit reporting disputes related to an account with XXXX XXXX XXXX XXXX XXXX 

I have received XXXX responses from Equifax, both of which I find unsatisfactory and uninformative regarding the discrepancies I reported. 

XXXX. **First Response** : This response acknowledged my previous disputes but did not clarify the status or resolution of those disputes. It failed to provide sufficient detail about the actions being taken. 

XXXX. **Second Response** : In this response, Equifax stated that they verified the account as belonging to me and mentioned that certain fields had been modified. However, it also stated that the disputed item is not currently reflected on my credit file. This lack of clarity raises concerns, as it does not address whether the inaccuracies persist or if they are merely not displayed at this time. 

The continued confusion surrounding this account information is damaging to my creditworthiness and financial stability. I have attached all relevant supporting documentation, including my previous communications with Equifax, to substantiate my claims. 

I request that both the CFPB and FTC investigate Equifax 's practices concerning this matter and ensure compliance with regulations governing fair credit reporting. 

Thank you for your attention to this pressing issue. I look forward to your prompt response and action regarding my complaint. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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