vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees that have been applied to my account at Navy Federal Credit Union. These fees were assessed despite there being sufficient funds in my account at the time the transactions were authorized. 

The root cause of these charges appears to be the delayed posting of charges and credits, which led to my account being unfairly assessed overdraft fees. This situation has caused significant hardship in my daily life, as I relied on the available balance to cover essential expenses. As a result of the fees, I have faced difficulty managing my finances, including paying bills and meeting other financial obligations. 

This issue is consistent with findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar practices by Navy Federal Credit Union, where transactions were processed as if there were insufficient funds despite the account having adequate balance at the time of authorization. I believe these practices are deceptive and unfair, and I respectfully request that they be reviewed and corrected. 

I am seeking a full refund of the overdraft fees, as well as an immediate review of my account activity to prevent such issues from occurring in the future. I would also appreciate any clarification on how Navy Federal Credit Union plans to address these concerns moving forward to ensure that customers are not unfairly penalized. 

Thank you for your attention to this matter. I look forward to your prompt 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft due to the Equifax data Breach. I contacted the Federal Trade Commission and filed a FTC complaint # XXXX which is attached. There are accounts on my report which have been exposed Equifax data Breach. These accounts are hindering me from obtaining new credit and thus causing me much hardship. the credit bureaus are not listening to anything i say.

Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 { e ) I request that all the information circled on my credit report be blocked from my consumer credit file with your company pending your full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the Credit Bureaus. 

Please remove all accounts from my credit report. Thanks for your help with this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 : INQUIRY : XXXX XXXX  XXXX XXXX  XXXX  XX/XX/year> 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 XXXX 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 CREDIT BUREAU 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 XXXX  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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed information on my credit report and they didnt properly investigate.

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: EQUIFAX, INC.
State: NM

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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: 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:
I am reaching out because my Social Security number has been compromised. I experienced a data breach or was notified of fraudulent accounts linked to me. I filed a complaint with the Federal Trade Commission, which is included at the end of this letter. I request that you provide me with an updated copy of my credit report and remove all fraudulent accounts, incorrect names, addresses, employers, and unauthorized inquiries from my report. 

I am aware that you have delayed addressing numerous consumer complaints and disputes, often assuming that certain customers are working with third-party entities, such as credit repair companies. Such delays are unlawful. Consumers have the right to work with such firms if they choose, and there is no valid justification for delaying the resolution of their cases. To clarify, the tools and guidelines I used to create my letters are accessible to all consumers, and any delay in processing my dispute is a violation of 15 U.S. Code 1681i. This law outlines the obligations of a consumer reporting agency when investigating reasonable disputes and specifies exceptions. Any willful delay in processing my letters will be viewed as a violation of my rights as a consumer. 

There is no provision in the law that allows you to delay processing a consumers correspondence in the hope that a third party might intervene. Be assured that all communications you receive under my name were prepared with my full knowledge and consent, either by me personally or by advisors acting on my behalf. 

Additionally, I am aware that no provision under the FCRA requires me to provide a Power of Attorney or permits you to delay processing consumer disputes due to the absence of such documentation.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint against XXXX XXXX XXXX for inaccurately reporting my payment history to the XXXX major credit reporting agencies, which has caused significant emotional and financial distress. 

I have been a member of XXXX XXXX XXXX and have consistently made all required payments on time. However, XXXX has inaccurately reported a late payment for the month of November ( or specify the month ), despite my having made the payment on time. This reporting error is completely false and does not reflect my actual payment history. 

I strongly suspect that this issue may be linked to a ransomware attack XXXX XXXX XXXX suffered, which caused a system outage that disrupted their operations, including payment processing and reporting systems. I believe that the inaccuracies in my payment history were a direct result of this system failure, and I have reason to believe that this issue affected other members as well. 

The incorrect reporting of this late payment has significantly damaged my credit score, and as a direct result, I have been unable to refinance my home, missing out on more favorable loan terms and interest rates. This has created substantial financial strain. Additionally, this error has caused emotional distress due to the time and energy Ive spent disputing this issue, while knowing the problem originated from a systemic failure at XXXX. 

Background on the Ransomware Attack and System Outage : XXXX XXXX XXXX publicly acknowledged being the victim of a ransomware attack, which led to a complete system outage for an extended period. During this time, many of their services, including payment processing and reporting, were offline, potentially causing errors in the way they managed customer accounts. It is my belief that my payment was not properly processed or reported due to this outage, leading to the inaccurate reporting on my credit file. 

While I understand the challenges posed by cyberattacks, the ongoing impact on my financial health, particularly the harm to my credit score, is unacceptable. The disruption in XXXX systems has directly contributed to my inability to refinance my home, and I am concerned this error has widespread ramifications for other customers.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint against XXXX XXXX XXXX for inaccurately reporting my payment history to the XXXX major credit reporting agencies, which has caused significant emotional and financial distress. 

I have been a member of XXXX XXXX XXXX and have consistently made all required payments on time. However, XXXX has inaccurately reported a late payment for the month of November ( or specify the month ), despite my having made the payment on time. This reporting error is completely false and does not reflect my actual payment history. 

I strongly suspect that this issue may be linked to a ransomware attack XXXX XXXX XXXX suffered, which caused a system outage that disrupted their operations, including payment processing and reporting systems. I believe that the inaccuracies in my payment history were a direct result of this system failure, and I have reason to believe that this issue affected other members as well. 

The incorrect reporting of this late payment has significantly damaged my credit score, and as a direct result, I have been unable to refinance my home, missing out on more favorable loan terms and interest rates. This has created substantial financial strain. Additionally, this error has caused emotional distress due to the time and energy Ive spent disputing this issue, while knowing the problem originated from a systemic failure at XXXX. 

Background on the Ransomware Attack and System Outage : XXXX XXXX XXXX publicly acknowledged being the victim of a ransomware attack, which led to a complete system outage for an extended period. During this time, many of their services, including payment processing and reporting, were offline, potentially causing errors in the way they managed customer accounts. It is my belief that my payment was not properly processed or reported due to this outage, leading to the inaccurate reporting on my credit file. 

While I understand the challenges posed by cyberattacks, the ongoing impact on my financial health, particularly the harm to my credit score, is unacceptable. The disruption in XXXX systems has directly contributed to my inability to refinance my home, and I am concerned this error has widespread ramifications for other customers.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
On XX/XX/XXXX I started a dispute with XXXX about multiple accounts and inquiries on my credit report which were fraudulent and unauthorized. Documents were mailed in to all three credit bureaus. XXXX stated they have XXXX days to investigate the matter which would end on XX/XX/year>. On XX/XX/XXXX, all accounts and inquiries were deleted. ( SEE ATTACHMENTS FOR REPORT NUMBER : XXXX. I then called them to confirm the deletion of stated accounts and inquiries on XX/XX/XXXX. However, on XX/XX/XXXX, XXXX days after said investigation was suppose to be completed, I get an XXXX notification that I just opened another dispute. ( PLEASE SEE REPORT XXXX IN ATTACHED DOCUMENTS ). 

This was fraudulently opened without my will or any documentation being sent in by me. An account named " AMEX  '' which is a business credit card which was fraudulently opened, was re-inserted back on my personal credit file. No documentation ( WHICH WAS REQUESTED ) was sent out verifying the debt owned by me. Today is XX/XX/XXXX, I have finally got connected with XXXX. They stated THEY reopened the account, and that the creditor, AMEX put the account back on. Amex  has not provided any documentation either. 

Also wanting to know why all other accounts were deleted in XXXX  days, when they have XXXX  days to do a full investigation? I have reason to believe that the information was deleted correctly on XX/XX/XXXX, and was wrongfully/illegally re-inserted on the credit report without a correct thorough investigation taking place, and with no proof of the debt belonging to me being mailed to me. The representative for XXXX today also re-opened the dispute, and I informed him of the information being submitted ( AGAIN ) to the CFPB. PLEASE SEE ATTACHED DOCUMENTS.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: AL

Complaint narrative:
I am writing a 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 transaction were authorize. However due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 
The issue appears with recent findings by 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ( XXXX  ) is reporting to the credit agencies the balance in XXXX of my credit card, of the amount of {$42000.00} which is currently under investigation. This was made with stolen credit card info in XXXX, I'm in XXXX. 

I have a active claim with CFPB XXXX regarding these fraudulent charges and the case is also open with Bank of America XXXX They need to remove these charges from my credit while they investigate. 

I'm including phone records to show that I made a call to cancel the credit card after a small purchase in a fastfood restaurant for {$5.00} was made. XXXX  did not close the account and thieves made a huge purchase of {$42000.00} the next day. XXXX  did not stop it, nor call me to verify if it was me. By the way, the limit on the card was {$13000.00}.

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 2025-01-22 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: FL

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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I am seeking your help to investigate accounts from companies reporting late payments inaccurately. Upon reviewing my credit report, I discovered specific accounts marked with late payments, which is incorrect. There should be no late payment records on these accounts.

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: Other transaction problem — 
Company: Block, Inc.
State: NC

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