vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: NJ

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 2025-01-26 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
My complaint is with XXXX. XXXX is reporting a collections a time barred collections over XXXX years old. The reason I know it is time barred is because Ive been disputing this throughout the years same debt amount different collection agencies always being displayed as new collection in fact its very old.

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 2025-01-26 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: Nelnet, Inc.
State: IN

Complaint narrative:
Refrence : XXXX XXXX XXXX XXXX XXXX case. Contracts secured with XXXX currency is null and void and can not constitute valid consideration in a contact. This debt is illegal and fraudulent. Im not aware of any supreme court ruling affirming that collective belief can assign intrinsic value of XXXX currency. Respectfully, fraudulent or fake things can not be used to support contracts. We can reject the that XXXX currency is a fabrication, forgery, fraud. The supreme courts made it clear with the decision of via XXXX XXXX XXXX issued by XXXX XXXX the systemic fraud, deception and the counterfeit authority that has dominated financial, governmental systems and practices a affective immediately. XXXX currency is prohibited and is false authority. Ive filed a dispute on this matter and am no longer voting or participating in national elections. Ive communicated with others on the fraud of XXXX lending and false authority. 

In addition, law 15 U.S.C168 state that the fair credit reporting : FCRA 'S to ensure that CRAS are fair, impartial and respectful of consumer privacy rights. 
The FCRA finds that unfair credit reporting methods can undermine the publics confidence. The requirements by the FCRA CRA 's to be confidential accurate, relevant and properly utilized information. I respectfully, request the removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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.
State: PA

Complaint narrative:
To Whom It May Concern, This letter serves as confirmation that the debt associated with Account Number : XXXX XXXX XXXX has been fully resolved. The settlement payment of {$54.00} was completed in accordance with the agreed terms, and the balance is now XXXX. 

Please find the details of the settlement below : Debtor Name : XXXX Original Creditor : XXXX Account Number : XXXX XXXX XXXX Settlement Amount : {$54.00} Payment Date : XX/XX/year> This letter also confirms that this account should no longer reflect any outstanding balance and should be reported as Paid in Full or Settled to all relevant credit reporting agencies. 

If you have any further questions, or if additional documentation is required, please do not hesitate to contact me at [ XXXX ] or [ XXXX Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
To Whom It May Concern, This letter serves as confirmation that the debt associated with Account Number : XXXX XXXX XXXX has been fully resolved. The settlement payment of {$54.00} was completed in accordance with the agreed terms, and the balance is now XXXX. 

Please find the details of the settlement below : Debtor Name : XXXX Original Creditor : XXXX Account Number : XXXX XXXX XXXX Settlement Amount : {$54.00} Payment Date : XX/XX/2025 This letter also confirms that this account should no longer reflect any outstanding balance and should be reported as Paid in Full or Settled to all relevant credit reporting agencies. 

If you have any further questions, or if additional documentation is required, please do not hesitate to contact me at [ XXXX ] or [ XXXX Thank you for your cooperation. 

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MECHANICS BANK
State: NC

Complaint narrative:
Company keeps verifying information is accurate that is not from mechanics bank auto! All 3 credit reporting companies XXXX XXXX and XXXX companies reflect INNACURATE INFORMATION FROM THIS COMPANY as well as different balances different missed or made payments when I have not made one payment to this company nor have I been given fair treatment for opportunity of removal due to inaccuracies! FCRA states that any inaccurate reporting has to be removed permanently as it is not reflecting correct and accurate information so I demand it be removed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had a fraudulent charge on my capital one card for {$200.00} and they are refusing to credit my account and telling me that I am responsible and that they will not reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
i was with navy fed for over XXXX  years and one underway i was out to sea some fraud activity had happened contacted navy fed bc they closed my account and took my money that i had to pay them back and i have a car loan w them that hasnt been paid since early last year i contacted them about me opening my navy fed account so it can be easier to pay off my car loan and they wont let me they barely investigated even after i gave them so many fact that it wasnt me and i didnt have internet connection at the time of that happpening my appeal got rejected and the car loan is still not getting payed showing up on my credit as a closed/ charged off account and its making my life hard to get loans of do anything because creditor can see that please do some investigating for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My XXXX XXXX XXXX Account has been closed since XXXX closed XXXX with no reason. Before I made all my payments on time and was never late and they abruptly closed my account claiming I'm supposed to keep a deposit of {$500.00}. I give them the deposit and they kept giving it back to me... For 8 months or since I open the account they had the deposit and I had no access to it because it was not even in my account. Now they are reporting they closed the account in XXXX when they closed it in XXXX. XXXX they are reporting late payment in XXXX when the account been closed since XXXX closed by them with no reason. XXXX they've added many fees to the closed account that every time I make a payment it doesn't make a difference and are using the credit bureaus to hurt my credit. Credit bureau needs to stop bringing my score down on a closed account that the company are reporting on fees they are creating. They are reporting late payment and payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when the account has been closed since XXXX. When the account was closed I was making payments and balance was lower than the credit limit now because of all the fees it is reporting I'm over the limit. This type of practices are not fair. 
Also they need to remove the comment that I dispute the report and it was resolved because they are not doing what the resolution is so the statement are not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
My XXXX XXXX XXXX Account has been closed since XXXX closed XXXX with no reason. Before I made all my payments on time and was never late and they abruptly closed my account claiming I'm supposed to keep a deposit of {$500.00}. I give them the deposit and they kept giving it back to me... For 8 months or since I open the account they had the deposit and I had no access to it because it was not even in my account. Now they are reporting they closed the account in XXXX when they closed it in XXXX. XXXX they are reporting late payment in XXXX when the account been closed since XXXX closed by them with no reason. XXXX they've added many fees to the closed account that every time I make a payment it doesn't make a difference and are using the credit bureaus to hurt my credit. Credit bureau needs to stop bringing my score down on a closed account that the company are reporting on fees they are creating. They are reporting late payment and payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when the account has been closed since XXXX. When the account was closed I was making payments and balance was lower than the credit limit now because of all the fees it is reporting I'm over the limit. This type of practices are not fair. 
Also they need to remove the comment that I dispute the report and it was resolved because they are not doing what the resolution is so the statement are not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
I am writing to file a complaint against Navey Federal Credit Union regarding multiple overdraft fees I have incurred, despite having the sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navey Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request in 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 2025-01-26 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of under account number XXXX that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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 credit. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transaction 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Cosumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent 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 Funds Transfer Act ( EFTA ) and Regulation E.These actions have caused me significant inconvenience and financial loss and I seek appropriate redness for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
my information was stolen when i was in jail and apart of the XXXX data breach. the flagship credit discover and a few more fraud accounts were removed and these creditors have failed to take it off they keep putting them back on after proper paperwork was failed exspecialy experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
In accordance false or misleading representation Stellantis has deceptive or misleading representation or means in connection with the collection of any debt own. Without limiting the general application of the foregoing. the following conduct is a volation of this section. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facesimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt : or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for collection of a debt. therefor im asking XXXX to stop any Repossession do to due section code 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 2025-01-26 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: DISCOVER BANK
State: GA

Complaint narrative:
Discover Bank Credit Card was opened fraudulent without my consent. I have repeatedly asked Discover Financial to remove the account from my credit report. I completed an affidavit with them in the past and they still have not removed it. The account was opened in XX/XX/XXXX and Charged on XX/XX/XXXX. I need this removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax improperly submitted items to my credit report. I wrote, called requesting additional information of the debts. I asked for original contact with my signature and information of the original creditor. The name and address of the person who acquired the debts. I asked for an investigation. They improperly investigated my disputes. I called and was hung up on. Then the customer service representative lowered my score by over XXXX points with in an hour from my call.

Company response to consumer: Closed with non-monetary relief