vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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 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 agged 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 2025-01-16 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: GA

Complaint narrative:
I am writing to file a complaint about navy federal credit union regarding multiple over draft fees that I have occurred. 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 against navy federal credit union, 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 2025-01-16 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: CA

Complaint narrative:
I am writing to formally express my concerns will regarding zelles handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle multiple times in reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible as well as tracking these transactions. The CBPBs findings indicate that zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: SC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
I am filing a complaint against Transunion and the associated information furnisher for inaccurately reporting late payments on my Credit Card account with account number XXXX. 
This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 
1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.

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 2025-01-16 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: GA

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. 

I have also attached an overdraft later showing Ive had the account prior to XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX, with a reported charge-off balance of {$580.00}. This account appeared on my credit report reported by [ XXXX, XXXX, and Transunion ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/2025, XXXX completed their investigation and deleted the XXXX XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.

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 2025-01-16 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: IL

Complaint narrative:
I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX, with a reported charge-off balance of {$580.00}. This account appeared on my credit report reported by [ Equifax, XXXX, and XXXX ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/year>, XXXX completed their investigation and deleted the XXXX XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: KEYCORP
State: WA

Complaint narrative:
Someone from key bank ran my credit in XXXX of 2023. I dont have a bank account with them. I also never authorized this. I did have my car broken into in 2023 so I dont know if the people that broke into it tried to but key bank said they didnt authorize this. I called XXXX they are disputing it. They needed me to get ahold of you though to make it go faster so they can put it on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
This company is reporting inaccurate information, and amount to my credit report without my permission which is causing tremendous damage to my credit.

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-01-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX  XXXX XXXX # XXXX, XXXX  # XXXX, ) ( XXXX XXXX XXXX  ) (, XXXX XXXX  # XXXX ), ( XXXX XXXX  # XXXX, ) ( XXXX XXXX # XXXX, ) ( XXXX XXXX has violated my rights. 
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I sent in a dispute letter via online and certified mail on XX/XX/year> and the account balance was removed but the account is still being reported as " potentially negative '' affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX BALANCED {$10000.00} XXXX  XXXX XXXX BALANCED {$3700.00} XXXX XXXX BALANCED {$5500.00} XXXX XXXX  XXXX BALANCED {$1300.00} XXXX XXXX BALANCED {$1400.00} XXXX  XXXX BALANCED {$3300.00} XXXX XXXX  XXXX XXXX BALANCED {$5900.00}

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 non-monetary relief
Consumer complaint received 2025-01-16 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: CA

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 transparency is unacceptable and raises serious concerns about user safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 lodge a complaint against Navy Federal Credit Union regarding several overdraft fees that have been applied to my account. Despite having adequate funds at the time the transactions were authorized, I was still charged fees due to delays in the posting of charges and credits. This situation seems to reflect the recent CFPB findings against Navy Federal, where transactions were finalized with insufficient balances even though funds were initially available. I believe these practices are unfair and request a thorough 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 2025-01-16 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:
Include dates, amounts, and actions that were taken by you or the company.

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation