vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: MO

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 2025-01-23 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:
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 consumers-provided evidence to furnishers, accepting unreliable responses, and failing 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 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of 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 2025-01-23 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: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary 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 non-monetary relief
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary 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 2025-01-23 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 8 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-23 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 receptive 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 2025-01-23 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have sent letters to Ally Financial and XXXX XXXX XXXX along with XXXX, XXXX and XXXX. In regards to several accounts on my credit report that does not belong to me. Ally financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
This account is on my XXXX account which is part of a data breach and there are two accounts on my credit report. I have disputed this account multiple times and they are refusing to delete these accounts and proper investigation. XXXX is under investigation for refusing to delete accounts that are inaccurate and need to be deleted. I have two accounts that are associated with opportun or XXXX  that don't belong to me as they can't provide a contract with my signature or any documents per FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom mortgage has taken over as servicer of a mortgage according to them in XXXX of XXXX. We never received any information. Ive requested copies of what they sent and have not received said copies. 

We continued making payments to old mortgage servicer. I received my first notice in email to change my password from Freedom Mortgage on XX/XX/year>. I ignored it as I had no other correspondence from Freedom mortgage and determined it was spam. On XX/XX/XXXX I received a notice from Freedom mortgage via email that a letter regarding my loan was available, again, I had no knowledge or notification that my load was ever transferred. We continued making payments to the old mortgage servicing company. On XX/XX/XXXX, we received a notification that a mark had been out against my wifes credit. We also noticed at that point that the XXXX payment only was returned to our bank from the old mortgage servicer. We called them, learned what happened and made payment in full same day. I also contacted freedom mortgage to try and learn more about how we were notified. All they could tell me is that we had been notified. Ive provided bank statements to show this was an error and that payments were made. Theyve determined the the report to our credit must stand. This is wrong and to this day, they will not confirm when or how I would have received a notification for something as important as needing to send our payments to an entirely new servicer. 

Thank you for your consideration, XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-23 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX : Credit Card NoXXXX XXXX XXXX XXXX XXXX Dear Fraud Operations Recovery Team, I am writing in response to your letter dated XX/XX/XXXX, regarding the fraudulent charge of {$9800.00} on my credit card account. I must assert that I, XXXX XXXX XXXX XXXX, did not authorize this charge, nor did I receive any merchandise from the merchant associated with this transaction. 

Your letter states that your original determination of no billing error stands ; however, I respectfully request the documentation and evidence you relied upon to reach this conclusion. This information is necessary for me to understand the basis of your decision and to further support my claim of fraud. 

I would also like to reference the specifics of the Credit Card Arbitration Agreement, which typically states that any disputes regarding unauthorized charges can be resolved through arbitration instead of litigation. This may include a mutually agreed-upon arbitration process that is intended to be a faster and more efficient way to settle disputes. As this charge has been determined to be fraudulent, I expect a prompt and thorough resolution in accordance with our agreement.

Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I have the right to dispute billing errors, including unauthorized charges. Specifically, the relevant codes for billing disputes include : - Billing Error Definition ( 15 U.S.C. 1666 ) : A charge that is not authorized by the cardholder.

- Consumer Liability ( 15 U.S.C. 1643 ) : Consumers are generally not liable for unauthorized charges if they report them within a reasonable time frame, typically within 60 days of the statement date.

Given these protections, I am requesting an immediate credit of the disputed charge, as well as any associated fees incurred as a result of this charge. I expect this credit to be processed within 30 days of your receipt of this correspondence, which will be my third request for dispute resolution on this matter. 

Thank you for your attention to this issue. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Enclosure ( s ) Police Report/ Second Denial Letter/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) XXXX. XXXX  ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The credit bureaus XXXX, XXXX and TransUnion have failed to prove that the debt in my credit report is in my name. I have sent multiple dispute letters without resolution and I would like them to remove the incorrect information that is in my credit report and only report what should be under my legal name.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting old and inaccurate addresses on my credit report the only addressee that i have has been XXXX XXXX XXXX XXXX md XXXX please remove all other incorrect addresses please. the law states incorrect and inaccurate items must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Climb Credit Inc.
State: MI

Complaint narrative:
Dispute Letter to CFPB CFPB XXXX XXXX XXXX XXXX, Washington , DC XXXX Phone : ( XXXX ) XXXX Website : www.consumerfinance.gov Dear CFPB Disputes Department, I am writing to formally dispute inaccurate information on my credit report. The items below are erroneous or unverifiable, and I am requesting their immediate correction or removal under the Fair Credit Reporting Act ( FCRA ) : 1. Account Name : CLIMB Credit Issue : Listed as charged off, but no verification of this status has been provided. 
Requested Action : Verify and provide supporting documentation within 4 days or delete. 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
2. Account Name : XXXX XXXX XXXX XXXX : Marked as 'paid repossession, ' but was settled without repossession. 
Requested Action : Correct remarks to reflect 'settled in full. ' Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Under FCRA Section 611, you are required to investigate my claims and respond within 30 days. 
However, due to the urgency and the impact of these inaccuracies, I request your response and resolution within 4 business days. If these items can not be verified, they must be removed promptly per FCRA guidelines. 
Enclosed, I have included copies of my credit report with disputed items highlighted, as well as proof of identity. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide me with a copy of the updated credit report once the errors have been addressed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 an 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 air resolution requirements under the electronic fund transfer act ( efta ) And regulation E these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-01-23 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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