vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX payments sent incorrrctly and money not refunded

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 2025-01-15 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 where authorized. I was charged fees due to lagged posting of charges and credits, this issue aligns with the recent cfpb findings against navy federal credit union for similar practices where transactions settled with insufficient balance despite initially available funds.i really believe this practice is unfair and I request a 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 2025-01-15 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: NJ

Complaint narrative:
Im reaching out to dispute errors on my Equifax credit report that need to be fixed. The report shows incorrect names, " XXXX XXXX, '' " XXXX XXXX XXXX, '' " XXXX, '' and " XXXX XXXX, '' which do not belong to me. My correct name is " XXXX XXXX XXXX XXXX XXXX. '' The report also lists two incorrect addresses, " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX FL XXXX, XXXX, NJ XXXX. '' The second address is incorrect because it lists " FL 1 '' instead of " XXXX XXXX. '' The correct address is " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. '' Lastly, the report does not reflect my correct employer, which should be "XX/XX/XXXXXXXX XXXX. '' As mentioned in 15 USC 1681e ( b ), the mistakes on my report violate the requirement to maintain the maximum possible accuracy of information. These inaccuracies impact the integrity of my credit file and go against the law 's rules for accurate reporting. I request that my personal information be updated and corrected accordingly. Failure to do so could result in liability under 15 USC 1681n and 1681o, with possible damages of up to {$1000.00} for each mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: AL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-15 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: Experian Information Solutions Inc.
State: PA

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 the 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 Experiam 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 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 2025-01-16 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 a complaint against Navy federal Credit Union regarding multiple overdraft fees I have occurred within my multiple accounts. ( XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ) .MyXX/XX/XXXX account was closed as a result of this. Despite having sufficient funds when transactions was 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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a bank account with citibank on XX/XX/XXXX and on XX/XX/XXXX I tried to withdraw my money and they locked my account I called the bank spoke to a teller and a supervisor account and they told me that I was not able to have access to my account because its locked and they couldnt verify my identity without me having card or account number. So they told me I needed to wait for me to receive card in mail. On XX/XX/XXXX I received card in mail I called to activate card and it said I wasnt able to that its locked. I called bank on XX/XX/XXXX and spoke to a teller and a account supervisor and they told me now that I still cant access my bank account or the money being withheld in that account because I need the account number. I explained that the account is new and the account has locked me out so Im not able to see account number. They refused to assist me I have provided my social, address, phone number, card number as requested first time, I provided email and they refuse to allow me access to the account and I have money inside that account. They basically said there is nothing they can do and hung up on my call.

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

Complaint narrative:
Ive been experiencing the effects of unauthorized credit inquiries from your company on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
On XXXX XXXX I sent a secure message to my mortgage company ( Freedom Mortgage ) requesting XXXX mortgage rate deduction In accordance with the Louisiana Statute 29:312. They responded to me on XXXX XXXX stating that I am not eligible for this benefit because my loan did not originate before I was called to XXXX XXXX and also I wasnt XXXX or called up to XXXX XXXX during the time my mortgage was initiated. I provided them my XXXX XXXX orders and proof of service letter showing I am still XXXX XXXX XXXX XXXX serving at XXXX XXXX in Louisiana, and my home and mortgage is in Lousianna where I reside.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im reaching out to dispute errors on my Experian credit report that need to be fixed. The report shows incorrect names, " XXXX XXXX '' and " XXXX XXXX, '' which do not belong to me. My correct name is " XXXX XXXX XXXX XXXX XXXX. '' The report also lists two incorrect addresses, " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX XXXX XXXX D A, XXXX, NJ XXXX. '' The correct address is " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. '' Lastly, the report lists the wrong employer as "XX/XX/XXXXXXXX XXXX '' and " SELF EMPLOYED. '' My correct employer is XX/XX/XXXXXXXX. '' As mentioned in 15 USC 1681e ( b ), the mistakes on my report violate the requirement to maintain the maximum possible accuracy of information. These inaccuracies impact the integrity of my credit file and go against the law 's rules for accurate reporting. I request that my personal information be updated and corrected accordingly. Failure to do so could result in liability under 15 USC 1681n and 1681o, with possible damages of up to {$1000.00} for each mistake.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing this fraudulent account for months and still no results. Equifax is willingly and knowingly reporting false and inaccurate information to my credit report. I have requested that Equifax to remove the account from XXXX XXXX XXXX and has refused to do so multiple times. experian removed the account for identity theft and so hasXX/XX/XXXX Equifax is willingly committed fraud and identity theft by willingly reporting this information knowing it is fraudulent. I have sent FTC Reports to support claim but XXXX XXXX XXXX ALSO REFUSES TO REMOVE INACCURATE INFORMATION from my credit profile knowing I do not have a contract with them which is considered identity theft.

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

Complaint narrative:
XXXX XXXX XXXX child support was paid off lump sum XX/XX/XXXX. However shows negative marks until XXXX. 
Then they tried to put payments on same account from then til XXXX. But reported paid off and closed XXXX. How's that? 

However XXXX XXXX shows non payment for all years also. XXXX, & XXXX. But payments were garnished from XXXX comp for 4 years, Then unemployment after that. So these payments shouldn't show on XXXX XXXX child XXXX case as payments. 
XXXX, XXXX, TRANSUNION have payment negative marks for these years which has severely damaged my credit. XXXX XXXX Co child Support has frauded me by not sending me a 1099 C and reporting Cashout payout sent from insurance company through workers compensation In XXXX. My lawyer had the check cut directly to them from insurance company. I called them at the time And was told false information from Employee. I believe I've been a victim of XXXX bias. Based off RACE. It's unconstitutional and I will be taking legal actions against them for fraud, & non-monetary losses, and defamation. They're all in violation of 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
XXXX XXXX XXXX child support was paid off lump sum XX/XX/XXXX. However shows negative marks until XXXX. 
Then they tried to put payments on same account from then til XXXX. But reported paid off and closed XXXX. How's that? 

However XXXX XXXX shows non payment for all years also. XXXX, & XXXX. But payments were garnished from XXXX XXXX  for 4 years, Then unemployment after that. So these payments shouldn't show on XXXX XXXX child Support case as payments. 
XXXX, EQIFAX, XXXX have payment negative marks for these years which has severely damaged my credit. XXXX XXXX Co child Support has frauded me by not sending me a 1099 C and reporting Cashout payout sent from insurance company through workers compensation In XXXX. My lawyer had the check cut directly to them from insurance company. I called them at the time And was told false information from Employee. I believe I've been a victim of XXXX bias. Based off RACE. It's unconstitutional and I will be taking legal actions against them for fraud, & non-monetary losses, and defamation. They're all in violation of 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: Chime Financial Inc
State: TN

Complaint narrative:
I purchased some goods from an XXXX XXXX  site. The store owner ended up being a scam artist and took two payments totaling in {$750.00} and never sent the goods that I paid for. I reached out to my bank ( Chime Financial Inc. ) four separate times to file a dispute and each time they denied my dispute claiming there was no error found I sent over 20 documents supporting That I had a case of non-receipt of goods. Currently still, Chime has denied my most recent claim. They also sent me a link, providing documentation from the merchant, which held nothing. I was also told by an agent that they had no information from the merchant to support there was no error found. I have tracking numbers multiple email screenshots and message screenshots from the XXXX XXXX. I also have confirmed that the XXXX XXXX  owner has been removed for doing this scam to multiple people. The scam now is that Chime will not send me my money back after I was taken advantage of.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
3rd Request : I purchased my XXXX XXXX on XX/XX/XXXX and traded my XXXX XXXX the same day. XXXX XXXX has denied the dealer payments for the XXXX XXXX XXXX times that caused to have negative items on my credit. I disputed with XXXX in XXXX and they corrected the matter and I would like the same for Experian.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against Midland Credit regarding the inaccurate reporting of account information on my credit reports. The account in question, originally from XXXX ( Account Number : XXXX ), contains multiple discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The Date Last Reported and Date Last Active are incorrect and do not align with the account activity. Midland Credit has failed to ensure accurate and updated reporting as required under 15 U.S.C. 1681s-2. The payment history reflects monthly activity, which is inappropriate for a collection account. Collections accounts are not installment accounts and should not include payment history reporting. The original creditor, XXXX, was unable to verify this debt, further calling its legitimacy into question. I urge Midland Credit to reference XXXX XXXX XXXX, XXXX, where the court held a collection agency accountable for failing to verify accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Im a victim of identity theft. Someone used my personal information while I was XXXX  to open a credit card in my name. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 and money was removed from my savings account when I specifically ask them not to due to lagged Posting of charges and credits. This aligns with the recent findings against Navy Federal credit Union for similar practices. I 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 2025-01-15 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 transaction 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 and 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